It’s a fact that car insurance companies want to keep your business as long as possible. People who do rate comparisons will most likely buy a new policy because they stand a good chance of finding more affordable rates. A study showed that drivers who regularly compared rates saved over $865 annually compared to policyholders who never shopped around for cheaper prices.
If finding the most affordable auto insurance in Oakland is why you’re here, then having a grasp of how to shop and compare insurance premiums can save money and time.
If you want to save money, the best way to find low-cost prices for Audi S6 insurance is to start comparing prices yearly from different companies who provide auto insurance in Oakland. You can shop around by following these steps.
- Step 1: Try to learn a little about what is in your policy and the things you can control to lower rates. Many rating factors that result in higher prices like careless driving and your credit history can be controlled by making minor changes to your lifestyle.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
An important note is to try to compare identical coverages on every quote request and to quote with all possible companies. This helps ensure a fair rate comparison and a complete selection of prices.
Finding the cheapest auto insurance coverage in Oakland is not that difficult. Nearly every person who wants cheaper auto insurance will most likely find a lower-cost company. Although California drivers do need to learn the way insurance companies calculate their prices.
When comparison shopping, there are several ways to obtain and compare prices from auto insurance companies in your area. The easiest way to find the lowest Audi S6 rates is to perform an online rate comparison. Just remember that obtaining a wide range of quotes helps improve the odds of finding better pricing. Not every company provides Oakland S6 insurance quotes over the internet, so it’s recommended that you also compare price quotes from them as well.
The companies shown below are ready to provide price comparisons in California. If you want cheap auto insurance in Oakland, we suggest you get price quotes from several of them to get the most affordable price.
Car insurance rates and discounts
Car insurance companies don’t always advertise every discount in an easy-to-find place, so we break down both the well known and the more hidden savings tricks you should be using when you buy Oakland car insurance online.
- Telematics Data – Insureds that choose to allow driving data collection to look at driving manner remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
- Paperless Signup – Certain car insurance companies give back up to $50 shop Oakland car insurance on the web.
- Passive Restraint Discount – Factory options such as air bags or motorized seat belts may get savings of more than 20%.
- Save over 55 – Seniors may receive better car insurance rates.
- Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
- College Student – Youth drivers who attend college more than 100 miles from Oakland and don’t have a car may be able to be covered for less.
- Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
You can save money using discounts, but some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.
The chart below visualizes the comparison of Audi S6 auto insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, multi-car, and safe-driver discounts applied.
Some companies that may have these money-saving discounts may include but are not limited to:
When getting free Oakland car insurance quotes, it’s a good idea to every insurance company which discounts can lower your rates. All car insurance discounts may not be offered in Oakland. To locate insurance companies that can offer you the previously mentioned discounts in California, follow this link.
Audi S6 insurance rate analysis
The rate information shown next outlines different insurance costs for Audi S6 models. Knowing how rates are formulated can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S6 Quattro 4-Dr Sedan | $298 | $670 | $500 | $30 | $150 | $1,648 | $137 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in garaging location in Oakland which can raise or lower insurance rates significantly.
The chart below illustrates how choosing a deductible and can affect Audi S6 insurance premiums for different categories of driver ages. The data assumes a married male driver, full coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The example below shows how traffic citations and accidents drive up Audi S6 car insurance rates for different age categories. The data is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Ratings for Oakland car insurance companies
Finding the right auto insurance provider is hard considering how many choices drivers have in California. The ranking data in the next section may help you select which providers you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Smart Consumers Save Money
Smart consumers have a good feel for the factors that come into play when calculating your policy premiums. If you know what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs.
The itemized list below are most of the major factors companies use to determine premiums.
Teen vs. mature drivers – Inexperience drivers are statistically proven to be inattentive and easily distracted in a vehicle so car insurance rates are higher. Having to add a beginning driver onto a policy can really hurt. More experienced drivers are shown to be more cautious, are lower risk to insure, and are safer drivers.
The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Know your credit score – An insured’s credit score factor in calculating your premium rate. Insureds that have very good credit scores tend to file fewer claims than drivers who have bad credit. If your credit score is lower than you’d like, you may save money insuring your Audi S6 if you improve your credit rating.
Small frequent claims are not good – If you file a lot of claims you can expect higher rates. Car insurance companies in California give better rates to people who are claim-free. Auto insurance is designed for larger claims.
Insurance rates in urban areas – Choosing to live in less populated areas of the country is a positive aspect when it comes to car insurance. Fewer drivers means less chance of accidents and lower theft and vandalism rates. People who live in big cities have to deal with more traffic problems and more time behind the wheel. Longer commute distances statistically corresponds to a higher accident and claim rate.
Don’t skimp on liability coverage – Your car insurance policy’s liability coverage will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so do not skimp.
Insurance rates are higher for high performance vehicles – The make and model of the car you are buying insurance for makes a big difference in your rates. Lower cost passenger models receive the most favorable rates, but that’s not the only thing that factors into the final price.
The next chart uses these variables: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Audi S6 policy rates compared to other makes and models that have a range of performance rating factors.
Audi S6 insurance loss statistics – Car insurance companies analyze the history of losses when they set coverage costs for each model. Models that the data determines to have higher prevalence or dollar amount of losses will cost more to insure.
The next table illustrates the insurance loss data used by companies for Audi S6 vehicles. For each policy coverage, the loss probability for all vehicles combined as an average is considered to be 100. Values under 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or tendency to have larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S6 4dr 4WD | 228 | 52 | 294 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years