How long has it been since you compared quotes for low-cost auto insurance rates in San Diego, CA? San Diego buyers have lots of choices when searching for the lowest priced Audi A8 insurance. They can either spend hours driving around to compare prices or save time using the internet to get rate quotes.
There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Audi and locate the lowest price.
A recent auto insurance study discovered that almost 70% of drivers in California renewed their policy with the same company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. American drivers could save about 46.5% each year just by comparing rates, but they just assume it takes a lot of time to find cheap auto insurance rates.
If you have a policy now or just want a better rate, you can follow these tips to reduce premiums and possibly find even better coverage. Our goal is to introduce you to how to get online quotes and how you can save the most money. You just have to know the tricks to buy car insurance from many companies at once.
Ways to get Audi A8 insurance quotes in San Diego, CA
Cutting your San Diego auto insurance rates is not rocket science. The only requirement is to invest a few minutes to compare rate quotes to discover which company has the cheapest Audi A8 rate quotes.
The companies in the list below offer free quotes in California. If more than one company is shown, we recommend you compare several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $444 | $976 | $416 | $24 | $124 | $1,984 | $165 |
| A8 4.2L Quattro 4-Dr Sedan | $266 | $568 | $416 | $24 | $124 | $1,398 | $117 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can revise coverage prices considerably.
Can higher deductibles save money?
One frequently asked question is which deductibles should you choose. The premium rates below highlight how much more rates are when you buy lower versus higher policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $576 | $1176 | $442 | $26 | $132 | $2,377 | $198 |
| A8 4.2L Quattro 4-Dr Sedan | $624 | $1298 | $442 | $26 | $132 | $2,547 | $212 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $420 | $794 | $442 | $26 | $132 | $1,814 | $151 |
| A8 4.2L Quattro 4-Dr Sedan | $456 | $878 | $442 | $26 | $132 | $1,934 | $161 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can alter coverage rates considerably.
Based on the data above, we can derive that using a $100 deductible costs roughly $49 more each month or $588 each year than buying the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 8 months between claims, you would save money if you choose a higher deductible.
Liability only or full coverage
The illustration below visualizes the comparison of Audi A8 annual premium costs when comparing full coverage to liability only. The premiums assume no violations or claims, $1,000 deductibles, married female driver, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no clear-cut rule to stop buying full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Audi A8 replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Illustration showing the impact of accidents and violations
The information below illustrates how speeding tickets and at-fault claims impact Audi A8 annual premium costs for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Cheaper Audi A8 insurance in San Diego
Insurance is easily one of your largest bills, but you might find some hidden discounts that many people don’t even know exist. Certain credits will be shown when you get a quote, but occasionally some discounts must be specifically requested before you get the savings.
- Accident Waiver – Not necessarily a discount, but a few companies such as State Farm and Allstate will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
- Active Military Service – Being deployed with a military unit may lower your rates slightly.
- Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
- Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
- Life Insurance – Select insurance companies reward you with better premium rates if you take out some life insurance in addition to your auto policy.
Discounts lower rates, but most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce the premium cost.
To find providers with the best Audi A8 insurance discounts in San Diego in California, follow this link.
How Insurers Calculate Audi A8 Insurance Prices
The best way to find cheaper auto insurance is to take a look at some of the elements that go into determining your auto insurance rates. When you understand what determines base rates, this enables informed choices that may result in cheaper rates.
The items below are some of the items that factor into prices.
- More performance means more cost – The type of car you are buying insurance for makes a significant difference in your rates. The lowest premiums are usually found on low performance passenger models, but other factors influence the final cost greatly. Because the Audi A8 falls in the luxury sedan class, insurance will be more as compared to the average rate in San Diego.
- Job stress can make you pay more – Did you know your career choice can influence rates? Occupational choices like judges, airline pilots, and dentists tend to have higher rates than the rest of us because of intense work requirements and extremely grueling work hours. On the other hand, occupations such as professors, engineers and homemakers get better rates.
- Why do you need liability coverage? – A critical coverage on your policy, liability insurance will afford coverage if you are responsible for damages caused by your negligence. Liability provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
- More traffic equals higher premiums – Living in a rural area is a positive aspect when talking about auto insurance. Residents of big cities have more road rage incidents and a longer drive to work. Less people living in that area means less chance of accidents.
- Avoid tickets and save – How you drive impacts your car insurance rates tremendously. Careful drivers pay less for auto insurance than their less careful counterparts. Having just one chargeable violation can increase rates to the point where it’s not affordable. Drivers who have gotten multiple violations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
- Higher deductibles save money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Audi. Some instances where coverage would apply are collision with another vehicle, vandalism, and having your car stolen. Comprehensive and collision coverage deductibles define the amount you are required to spend before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the less your auto insurance will be.
- Theft deterrents lower auto insurance rates – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
- Younger drivers pay more – Teen drivers in California are statistically shown to be inattentive when behind the wheel therefore auto insurance rates are much higher. Parents adding a beginning driver to your auto insurance policy can really hurt. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and receive fewer citations.
- Loss statistics for an Audi A8 – Companies take into consideration insurance loss statistics for every vehicle as a tool for profitable underwriting. Models that are shown to have higher claim frequency or loss amount will have higher premium rates.
The table below outlines the historical loss data for Audi A8 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are 100 or greater point to more frequent losses or an increased probability of a larger loss.
Audi A8 Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A8 4dr 4WD 289 108 261 Audi A8L 4dr 4WD 300 88 279 62 Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agencies near you
Many people prefer to sit down and talk to an agent and doing that can be a smart decision Professional agents can help determine the best coverages and will help you if you have claims. A good thing about getting free rate quotes online is that you can obtain cheap car insurance rates but also keep your business local. Buying insurance from small agencies is especially important in San Diego.
To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to local insurance agents who will give you quotes for your business. You never need to leave your house since price quotes are sent to you. If you want to quote rates from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.
When looking for a good insurance agency, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. San Diego agents are classified as either exclusive or independent (non-exclusive). Either one can sell and service car insurance coverage, but it’s good to learn the difference in how they write coverage because it can impact the selection process.
Independent Agents
These agents often have affiliation with several companies and that gives them the ability to insure with a variety of different insurance companies and get the cheapest rates. If your agent finds better pricing, they simply switch companies in-house which is easy for the insured.
When comparison shopping, you will want to contact at least one independent agent so that you have a good selection of quotes to compare. Many can place coverage with smaller regional carriers which can be an advantage.
Featured below is a list of independent insurance agents in San Diego that can possibly get you price quote information.
- Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578 – View Map - Rubin Insurance
6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 – View Map - Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map
Exclusive Insurance Agents
These type of agents can only quote rates from one company like Allstate, Farmers Insurance or State Farm. They generally cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from exclusive agents primarily because of the prominence of the brand rather than having the cheapest rates.
Below are San Diego exclusive agencies that are able to give price quote information.
- R J Blake – State Farm Insurance Agent
1040 University Ave B201 – San Diego, CA 92103 – (619) 681-0060 – View Map - Mike Davis – State Farm Insurance Agent
2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412 – View Map - Lazaro Neto – State Farm Insurance Agent
4444 El Cajon Blvd #13 – San Diego, CA 92115 – (619) 229-6799 – View Map
Choosing the best car insurance agent requires more thought than just a cheap quote. Any good agent in San Diego should know the answers to these questions.
- Are there any extra charges for paying monthly?
- If you have an accident, will your rates go up?
- What is the financial rating for the quoted company?
- How long have they been in business?
- Is the quote a firm price?
- Is insurance their full-time profession?
- Is coverage determined by price?
- Will you work with the agent or an assistant?
Brand name doesn’t guarantee savings
Consumers in California can’t avoid all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all have a common claim about how much you will save if you get a free San Diego auto insurance quote and switch your policy.
How do they all offer you a better deal on Audi A8 insurance in San Diego? This is how they do it.
Companies have specific guidelines for the type of driver that makes them money. One example of a profitable insured might be described as over the age of 35, has never had a policy lapse, and does not commute to work. Anyone who matches that profile will get a cheap rate quote in San Diego and will most likely pay quite a bit less when switching companies.
Potential customers who are not a match for this ideal profile will probably have to pay a higher premium with the end result being the customer not purchasing. Company advertisements say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make claims that they all have the best premium rates.
Each company has different criteria, so you really should compare price quotes frequently. It’s just too difficult to predict which insurance companies will have the lowest rate quotes.
Compare but don’t skimp
Insureds leave their current company for many reasons like delays in paying claims, extreme rates for teen drivers, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.
When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.
Lower-priced insurance in San Diego can be bought on the web and from local insurance agents, so you need to shop San Diego auto insurance with both to have the best selection. Some insurance providers may not have online rate quotes and these regional insurance providers only sell coverage through local independent agencies.
To learn more, feel free to browse the articles below:
- Car Insurance FAQ (Trusted Choice)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in San Diego? (FAQ)
- Who Has Cheap San Diego Auto Insurance for Uber Drivers? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Property Damage Coverage (Liberty Mutual)