Auto Insurance Rate Quotes for an Audi S4 in Oakland

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Insurance rates Audi S4 in OaklandIf saving the most money is your goal, then the best way to get the cheapest car insurance rates in Oakland is to regularly compare quotes from different companies in California. You can compare rates by completing these steps.

  • First, read about how insurance works and the things you can change to drop your rates. Many rating criteria that increase rates like accidents, careless driving, and your credit history can be rectified by making minor changes to your lifestyle.
  • Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple sources. Start a quote
  • Third, compare the new rate quotes to the price on your current policy to see if cheaper S4 coverage is available. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
  • Fourth, provide written notification to your current company of your decision to cancel your current auto insurance policy and submit any necessary down payment along with the completed application for your new coverage. When you receive it, place the new certificate of insurance with the vehicle registration.

One important bit of advice is to compare identical coverage information on every price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a complete selection of prices.

It's amazing but almost 70% of drivers kept their coverage with the same insurance company for more than four years, and approximately 40% of consumers have never taken the time to shop around. With the average insurance premium being $1,390, Oakland drivers could save an average of up to $470 each year by just comparing rate quotes, but they feel it's too difficult to do a rate comparison.

If you have a current insurance policy, you stand a good chance to be able to find the best rates using the ideas covered in this article. Locating the best rates in Oakland is actually not that difficult if you follow our advice. But California vehicle owners should learn how the larger insurance companies calculate their prices because it can help you find the best coverage.

Most companies make it easy to get insurance quotes online. Obtaining pricing for Audi S4 insurance in Oakland is very simple as all you need to do is type in the coverage amounts you desire into the quote form. When complete, the company's rating system automatically retrieves information on your driving record and credit history and provides a quote based on the information you submitted. This simplifies rate comparisons, and it's absolutely necessary to do this if you want to find affordable auto insurance pricing.

In order to find out if lower rates are available, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy deductibles and limits exactly as shown on your declarations page. This helps ensure you will receive comparison quotes using the same coverage and limits.

The companies shown below are ready to provide comparison quotes in California. If you want to find cheap car insurance in Oakland, CA, it's a good idea that you visit several of them to get a more complete price comparison.

Choosing the best Audi vehicle insurance in California is an important decision

Despite the high cost, insurance is required in California but it also protects you in many ways.

  • Most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your vehicle, most banks will require that you have insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may insure your Audi for a lot more money and make you pay for it.
  • Insurance safeguards both your assets and your Audi. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having auto insurance greatly outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $700 annually so shop around every year to ensure rates are inline.

Detailed insurance information

The rate information below outlines detailed analysis of insurance prices for Audi S4 models. Being able to understand how insurance policy rates are calculated can aid in making smart choices when purchasing an insurance policy.

Audi S4 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $390 $812 $386 $22 $116 $1,726 $144
S4 Quattro 4-Dr Sedan $390 $812 $386 $22 $116 $1,726 $144
S4 Quattro 4-Dr Sedan $430 $812 $386 $22 $116 $1,766 $147
S4 Quattro 4-Dr Sedan $430 $812 $386 $22 $116 $1,766 $147
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in vehicle location which can modify premiums significantly.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is the level to set your comp and collision deductibles. The tables below can help illustrate the differences in premium rates between low and high physical damage deductibles. The first set of rates uses a $100 deductible and the second set of prices uses a $500 deductible.

Audi S4 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $478 $1054 $376 $22 $112 $2,067 $172
S4 Quattro 4-Dr Sedan $478 $1054 $376 $22 $112 $2,067 $172
S4 Quattro 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
S4 Quattro 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
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Audi S4 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in zip code location which can impact insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $41 more each month or $492 for a full year than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 10 months between claims, you would save more money if you decide on a higher deductible.

Audi S4 insurance discounts in Oakland

Some providers don't always advertise all discounts in an easy-to-find place, so the next list breaks down some of the more common and the more hidden discounts that you may qualify for.Discount insurance

  • Data Collection Discounts - Insureds that choose to allow driving data collection to monitor where and when they drive by using a telematic data system such as Progressive's Snapshot may get a rate reduction if they have good driving habits.
  • Early Payment Discounts - By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Drive Safe and Save - Drivers who don't get into accidents can save up to 40% or more on their Oakland auto insurance quote compared to accident prone drivers.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Multi-policy Discount - If you have multiple policies with the same insurance company you could earn a discount of as much as 10 to 15 percent.

While discounts sound great, it's important to understand that most discounts do not apply to the whole policy. Some only apply to individual premiums such as medical payments or collision. So when the math indicates it's possible to get free car insurance, companies don't profit that way.

The illustration below visualizes the comparison of Audi S4 auto insurance rates with and without discounts. The premiums are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

A partial list of companies that may offer quotes with most of the discounts above may include but are not limited to:

When quoting, ask each company the best way to save money. Some credits might not be available to policyholders everywhere. To locate insurers who offer online Audi S4 insurance quotes in California, click here to view.

California auto insurance companies

Selecting the best car insurance provider is difficult considering how many companies are available to choose from in California. The ranking data listed below can help you pick which coverage providers to look at when shopping your coverage around.

Top 10 Oakland Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Top 10 Oakland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%