To save the most money, the best way to find cheaper Audi Allroad insurance in Oakland is to regularly compare quotes from insurance carriers who sell auto insurance in California. Rate comparisons can be done by following these guidelines.
- Spend a few minutes and learn about how companies set rates and the things you can change to lower rates. Many rating criteria that are responsible for high rates such as accidents, careless driving, and a lousy credit rating can be improved by making minor changes to your lifestyle. Continue reading for the details to prevent high prices and get additional discounts.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agents can provide prices from multiple companies. View a list of agents
- Compare the new rates to your existing rates and determine if there is any savings. If you find a lower rate quote, make sure there is no lapse in coverage.
- Give notification to your current company of your intent to cancel your current car insurance policy and submit payment and a completed application to your new agent or company. As soon as you can, keep your new proof of insurance certificate somewhere easily accessible.
The most important part of shopping around is that you’ll want to compare identical coverage information on every quote request and and to get rate quotes from as many carriers as you can. This enables a level playing field and the best price quote selection.
A recent car insurance study revealed that a large majority of consumers renewed their policy with the same company for four years or more, and just short of a majority have never compared rates with other companies. Many drivers in California could save about 35% every year, but they just assume it’s a time-consuming process to compare rate quotes.
If you’re already insured, you should be able to find the best rates using the ideas you’re about to read. Our goal is to let you in on the best way to quote coverages and also save some money in the process Although California consumers must know the methods companies use to calculate your policy premium and use this information to your advantage.
Low Cost car insurance in Oakland, CA
The providers in the list below offer quotes in California. To buy cheap auto insurance in Oakland, it’s highly recommended you compare several of them to get a more complete price comparison.
Cheap Audi Allroad insurance in Oakland
Auto insurance is expensive, but you may find discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but some must be specifically requested prior to receiving the credit.
- Discount for Life Insurance – Some insurance carriers give a discounted rate on car insurance if you buy a life insurance policy as well.
- Bundle and Save – If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn nearly 15% which can help you find the cheapest Audi Allroad insurance in Oakland.
- Theft Deterrent – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
- College Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
- New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.
- Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
- Homeowners Savings – Owning your own home or condo can save you money because of the fact that having a home shows financial diligence.
- One Accident Forgiven – Not a discount per se, but some insurance companies will let one accident slide without raising rates as long as you don’t have any claims prior to the accident.
You should keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
If you would like to view companies that offer discounts in California, click here.
Smart Buyers Can Cut Insurance Costs
Many things are part of the equation when premium rates are determined. Some factors are common sense like your driving record, although others are less apparent like your continuous coverage or your vehicle rating.
- Cheaper to insure women? – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. They both cause auto accidents at a similar rate, but the males have accidents that have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
- Do you save by driving less? – The higher the mileage driven every year the higher the price you pay to insure it. A lot of companies rate vehicles based on their usage. Autos that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is rated on annual mileage, because improper ratings can cost you money. An incorrectly rated Allroad is throwing money out the window.
- Good credit scores equal low costs – Having a good credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your Audi Allroad if you improve your credit rating. Insureds with high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings.
- Frequent policy claims increase auto insurance rates – If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Companies in California provide cheaper rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of more catastrophic claims.
Do I need a local insurance agent?
A small number of people would rather go talk to an agent and that can be a smart move The biggest benefit of comparing insurance online is the fact that drivers can get cheaper premium rates and also buy local.
By using this form (opens in new window), the coverage information gets sent to participating agents in Oakland who will give you quotes for your business. You won’t need to do any legwork due to the fact that quote results will go to the email address you provide. You can find the lowest rates and a licensed agent to work with. If you need to compare rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.
Finding the right company should include more criteria than just a low price. Below are some questions you should ask.
- How will an accident affect your rates?
- Will they give you a referral list?
- How experienced are they in personal risk management?
- Do they specialize in personal lines coverage in Oakland?
- How long have they been in business?
- What is the financial rating for the quoted company?
- If independent agents, which companies do they recommend?
- Are they paid to recommend certain coverages?
If you prefer to buy insurance from a local Oakland insurance agent, there are two different agency structures and how they can write your policy. Insurance agencies can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Exclusive insurance agents have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents. Many people buy from the same agent for years mostly because of the brand instead of buying on price only.
The following is a list of exclusive agencies in Oakland that can give you price quote information.
- State Farm: Grantland Bailey
2115 MacArthur Blvd – Oakland, CA 94602 – (510) 482-7700 – View Map
- Judy Chambers – State Farm Insurance Agent
1305 Franklin St #400 – Oakland, CA 94612 – (510) 832-2195 – View Map
- Farmers Insurance – Mike Clauson
859 Clay St – Oakland, CA 94607 – (510) 839-3276 – View Map
Independent Insurance Agencies
Independent agents are not required to write business for one company so they can write business with many different companies and get you the best rates possible. If they find a lower price, they simply switch companies in-house which makes it simple for you.
When searching for an agent, you absolutely need to get rate quotes from a few independent agents to maximize your price options. They often place coverage with small regional insurance companies that may have much lower rates than larger companies.
The following is a list of independent agents in Oakland who can help you get price quotes.
- Thandi Insurance Brokerage
2859 Mandela Pkwy – Oakland, CA 94608 – (510) 452-1566 – View Map
- Bucheku Insurance Agency
1714 Franklin St Suite 305 – Oakland, CA 94612 – (510) 655-6969 – View Map
- Cook Disharoon and Greathouse Insurance Brokers
1942 Embarcadero – Oakland, CA 94606 – (510) 437-1900 – View Map
After receiving positive responses for all questions you ask as well as a price you’re happy with, it’s possible that you found an auto insurance agent that is professional and can properly service your insurance policy.
Be persistent and save
When shopping online for insurance, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price.
Some insurance companies may not have price quotes online and many times these smaller companies only sell through local independent agents. Cheaper insurance in Oakland can be purchased online in addition to many Oakland insurance agents, and you need to price shop both to have the best selection.
We covered some good ideas how to shop for Audi Allroad insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates are with a small local company.
Helpful learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for a Dodge Ram in Oakland? (FAQ)
- Who Has the Cheapest Oakland Auto Insurance Quotes for Business Use? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Understanding Car Crashes Video (iihs.org)