Best Ways to Save on Oakland Audi A5 Insurance

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The recommended way to save money on auto insurance rates in Oakland is to start comparing prices yearly from companies in California.

  1. Get an understanding of how insurance works and the measures you can take to prevent expensive coverage. Many policy risk factors that drive up the price such as multiple speeding tickets and poor credit rating can be improved by making minor changes in your lifestyle.
  2. Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple companies.
  3. Compare the new rates to your existing policy to determine if you can save on A5 insurance in Oakland. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide written notification to your current company to cancel your current car insurance policy and submit the application along with any required down payment to the newly selected company. Once coverage is bound, safely store the proof of insurance certificate in an easily accessible location.

A good tip to remember is that you'll want to compare similar coverage information on each price quote and and to get price estimates from as many companies as possible. This provides a level playing field and a complete selection of prices.

Insurance for Audi A5It's an obvious statement that auto insurance companies don't want you to look for cheaper rates. Insureds who do rate comparisons are highly likely to buy a new policy because they have good chances of finding lower rate quotes. A recent auto insurance study revealed that drivers who compared rates once a year saved as much as $865 a year as compared to drivers who never shopped around for better prices.

If finding budget-friendly car insurance is your objective, then learning a little about the best ways to shop for insurance premiums can help make the process easier and more efficient.

The quickest method to compare insurance rates from multiple companies is to realize all the major auto insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is give them some information such as if you require a SR-22, how old drivers are, what your job is, and if you went to college. The data is submitted instantly to all major companies and they return rate quotes with very little delay.

To get price quotes for your car now, click here and see if a lower rate is available in Oakland.

The companies shown below can provide price comparisons in Oakland, CA. If multiple companies are listed, it's highly recommended you get rate quotes from several of them to get the lowest price.

Coverage analysis

The coverage information shown next highlights detailed analysis of policy rates for Audi A5 models. Understanding more about how prices are formulated can be valuable when making smart policy decisions.

Audi A5 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $370 $764 $424 $26 $128 $1,712 $143
A5 2.0T Quattro Premium Plus 2-Dr Coupe $370 $764 $424 $26 $128 $1,712 $143
A5 3.2 Quattro Prestige 2-Dr Coupe $370 $866 $424 $26 $128 $1,814 $151
A5 3.2 Quattro Premium Plus 2-Dr Coupe $370 $866 $424 $26 $128 $1,814 $151
A5 2.0T Quattro Prestige 2-Dr Coupe $370 $866 $424 $26 $128 $1,814 $151
A5 2.0T Premium 2-Dr Convertible $370 $866 $500 $30 $150 $1,916 $160
A5 2.0T Premium Plus 2-Dr Convertible $370 $866 $500 $30 $150 $1,916 $160
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $406 $866 $424 $26 $128 $1,850 $154
A5 2.0T Prestige S-Line 2-Dr Convertible $406 $866 $500 $30 $150 $1,952 $163
A5 2.0T Prestige 2-Dr Convertible $406 $866 $500 $30 $150 $1,952 $163
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $406 $966 $424 $26 $128 $1,950 $163
Get Your Own Custom Quote Go

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can increase or decrease auto insurance rates significantly.

Auto insurance deductibles

When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The following insurance rates can help show the premium difference when you buy lower versus higher physical damage coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Audi A5 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
A5 2.0T Quattro Premium Plus 2-Dr Coupe $430 $780 $376 $22 $112 $1,745 $145
A5 3.2 Quattro Prestige 2-Dr Coupe $430 $882 $376 $22 $112 $1,847 $154
A5 3.2 Quattro Premium Plus 2-Dr Coupe $430 $882 $376 $22 $112 $1,847 $154
A5 2.0T Quattro Prestige 2-Dr Coupe $430 $882 $376 $22 $112 $1,847 $154
A5 2.0T Premium 2-Dr Convertible $430 $882 $442 $26 $132 $1,937 $161
A5 2.0T Premium Plus 2-Dr Convertible $430 $882 $442 $26 $132 $1,937 $161
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $474 $882 $376 $22 $112 $1,891 $158
A5 2.0T Prestige S-Line 2-Dr Convertible $474 $882 $442 $26 $132 $1,981 $165
A5 2.0T Prestige 2-Dr Convertible $474 $882 $442 $26 $132 $1,981 $165
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $474 $986 $376 $22 $112 $1,995 $166
Get Your Own Custom Quote Go
Audi A5 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
A5 2.0T Quattro Premium Plus 2-Dr Coupe $266 $490 $376 $22 $112 $1,266 $106
A5 3.2 Quattro Prestige 2-Dr Coupe $266 $556 $376 $22 $112 $1,332 $111
A5 3.2 Quattro Premium Plus 2-Dr Coupe $266 $556 $376 $22 $112 $1,332 $111
A5 2.0T Quattro Prestige 2-Dr Coupe $266 $556 $376 $22 $112 $1,332 $111
A5 2.0T Premium 2-Dr Convertible $266 $556 $442 $26 $132 $1,422 $119
A5 2.0T Premium Plus 2-Dr Convertible $266 $556 $442 $26 $132 $1,422 $119
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $292 $556 $376 $22 $112 $1,358 $113
A5 2.0T Prestige S-Line 2-Dr Convertible $292 $556 $442 $26 $132 $1,448 $121
A5 2.0T Prestige 2-Dr Convertible $292 $556 $442 $26 $132 $1,448 $121
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $292 $620 $376 $22 $112 $1,422 $119
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can decrease or increase rates significantly.

Based on this data, using a $250 deductible will cost in the ballpark of $43 more each month or $516 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 17 months between claims, you would save money by selecting a higher deductible.

The illustration below highlights how deductible selection and can increase or decrease Audi A5 yearly insurance costs for each different age category. The rates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Impact of violations and accidents on rates

The information below highlights how speeding tickets and fender-benders can influence Audi A5 car insurance rates for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Insurance is an important decision

Even though it's not necessarily cheap to insure an Audi in Oakland, insuring your vehicle is required for several reasons.

  • Most states have mandatory liability insurance requirements which means the state requires a minimum amount of liability in order to be legal. 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 lien on your Audi A5, more than likely the lender will require that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender will be forced to insure your Audi at a more expensive rate and require you to reimburse them for it.
  • Insurance preserves your Audi A5 and your assets. Insurance will pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. On average, a vehicle owner in Oakland overpays more than $850 per year so compare rate quotes each time the policy renews to help ensure money is not being wasted.

How You Can Control Audi A5 Insurance Premiums

An important part of buying insurance is that you know some of the elements that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can help you get lower premium levels.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

Rates may be higher where you live - Choosing to live in less populated areas has definite advantages when buying insurance. Fewer drivers corresponds to lower accident rates and a lower car theft rate. Drivers who live in large California cities have much more traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.

Lower premiums for cars with good safety ratings - Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles protect occupants better and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If the Audi A5 has at least four stars on Safercar.gov you may be receiving a better rate.

Getting married can lower rates - Having a spouse can actually save you money when buying insurance. Having a significant other may mean you are more mature than a single person it has been statistically shown that being married results in fewer claims.

How do annual miles impact prices? - The more you drive your Audi in a year's time the higher the price you pay to insure it. The majority of insurers calculate rates based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than those used for commuting. It's a good idea to make sure your insurance policy is showing how each vehicle is driven. An incorrectly rated A5 can result in significantly higher rates.

Liability insurance is critical - The liability coverage on your policy is the coverage that protects you if ever you are ruled to be at fault for damages caused by your negligence. It will provide you with a defense in court to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Maintain insurance coverage - Driving with no insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage could earn you a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the California DMV.

Audi A5 insurance loss probability - Companies analyze the history of losses as a way to help calculate a profitable premium rate. Models that the data shows to have high amounts or severity of claims will cost more for coverage. The table below demonstrates the insurance loss data used by companies for Audi A5 vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

Audi A5 Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi A5 2dr 4WD 196 92 140 73 83 100
Audi A5 Convertible 4WD 147 73 140 56
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

California auto insurance companies ranked

Finding a highly-rated company can be rather challenging considering how many choices drivers have in California. The company rank data shown next may help you select which companies you want to consider shopping your coverage with.

Top 10 Oakland Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

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+

Don't give up on affordable coverage

Consumers switch companies for many reasons like delays in paying claims, lack of trust in their agent, policy cancellation or unfair underwriting practices. It doesn't matter why you want to switch switching auto insurance companies is not as hard as you think.

There are still a few companies who do not provide the ability to get quotes online and these small, regional companies only sell coverage through independent agents. Low-cost Audi A5 insurance in Oakland is attainable from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from.

In this article, we presented a lot of ways to get a better price on Audi A5 insurance in Oakland. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small local company.

Additional auto insurance information can be read at these links: