Auto Insurance Quotes for an Audi Q5 in Irvine

Truthfully, the best way to get discount Audi Q5 insurance in Irvine is to start comparing prices yearly from insurance carriers that sell auto insurance in California.

Step 1: Try to learn about car insurance and the changes you can make to prevent expensive coverage. Many risk factors that drive up the price like traffic citations, accidents, and a substandard credit score can be improved by making minor driving habit or lifestyle changes.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save money, make sure there is no lapse in coverage.

Step 4: Notify your agent or company to cancel your existing policy and submit a completed policy application and payment to your new carrier. When you receive it, safely store the certificate of insurance in an easily accessible location in your vehicle.

A valuable tip to remember is to use similar deductibles and liability limits on every quote request and and to get price quotes from as many car insurance companies as possible. Doing this helps ensure a level playing field and a complete price analysis.

It’s a fact that insurance companies want to keep your business as long as possible. People who get price quotes annually will probably switch auto insurance companies because of the good chance of finding more affordable rates. A recent auto insurance study revealed that drivers who made a habit of comparing rates saved $72 a month compared to people who never compared prices.

If finding budget-friendly Audi Q5 insurance in Irvine is why you’re here, then having a good understanding how to get rate quotes and compare insurance can help you succeed in saving money.

If you are already insured, you stand a good chance to be able to shop for the lowest rates using these techniques. Our objective in writing this article is to instruct you on the best ways to compare prices and some tricks to saving. Although California vehicle owners can benefit by having an understanding of how big insurance companies calculate their prices because it varies considerably.

Seven discounts for cheaper auto insurance quotes

Auto insurance is expensive, but you might find some hidden discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but a few must be specially asked for before you will receive the discount.

• Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts as opposed to accident-prone drivers.
• More Vehicles More Savings – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same company you may save up to 20% off your total Q5 insurance premium.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better auto insurance rates if you take out life insurance.
• Government Employee Discount – Simply working for the federal government can save as much as 8% with some auto insurance companies.
• Good Drivers – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

The example below visualizes the comparison of Audi Q5 yearly insurance costs with and without discounts applied to the premium. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.

A few popular companies and some of the premium reductions they offer are outlined below.

• State Farm may have discounts that include student away at school, safe vehicle, defensive driving training, passive restraint, multiple autos, Drive Safe & Save, and anti-theft.
• Liberty Mutual may include discounts for multi-policy, hybrid vehicle, new vehicle discount, preferred payment discount, new move discount, newly retired, and newly married.
• American Family has discounts for mySafetyValet, accident-free, air bags, defensive driver, early bird, and Steer into Savings.
• Progressive policyholders can earn discounts including online quote discount, online signing, homeowner, continuous coverage, and multi-vehicle.
• Farmers Insurance may offer discounts for pay in full, electronic funds transfer, good student, multi-car, and mature driver.
• Auto-Owners Insurance includes discounts for multi-policy, safe vehicle, anti-theft, multiple vehicles, good student, company car, and teen driver.
• SAFECO offers premium reductions for anti-theft, teen safe driver, homeowner, anti-lock brakes, safe driver, and drive less.

If you need lower rates, check with each insurance company which credits you are entitled to. Savings might not be available to policyholders in Irvine. To find insurers offering auto insurance discounts in Irvine, click this link.

When quoting car insurance, remember that getting more free quotes increases the chance that you will find more affordable rates. Not every company does online price quotes, so you should also compare prices from them, too.

The following companies provide price quotes in California. If you wish to find the best auto insurance in California, we recommend you compare several of them to get the best price comparison.

Coverage statistics and figures

The rate information shown next outlines a range of insurance coverage prices for Audi Q5 models. Having knowledge of how insurance quotes are formulated can help you make smart choices when choosing a car insurance company.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Irvine location which can decrease or increase insurance rates substantially.

Policy deductibles

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

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in specific zip code location which can influence rates noticeably.

Based on this data, using a $100 deductible costs roughly $39 more each month or $468 annually averaged for all Q5 models than selecting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 10 months between claims, you would save more money if you choose the higher deductible.

The diagram below illustrates how choosing a deductible and can change Audi Q5 yearly insurance costs for each different age group. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.

Rate comparison of male drivers versus female drivers

The example below illustrates the difference between Audi Q5 premium costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

When should I contact a local insurance agent?

Many drivers still prefer to sit down with an agent and doing that can be a smart decision The best thing about comparing rate quotes online is that you can obtain cheap rate quotes and still buy from a local agent. Buying from local insurance agents is definitely important in Irvine.

After filling out this form (opens in new window), your insurance coverage information is immediately sent to companies in Irvine that give free quotes for your insurance coverage. You don’t have to drive around as quotes are delivered to the email address you provide. You can find lower rates and work with a local agent. If you wish to compare prices from a specific auto insurance provider, you just need to find their quoting web page to submit a rate quote request.

When narrowing the list to find a good insurance agency, it helps to know the two types of insurance agents and how they can service your needs differently. Auto insurance agents are considered either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies or Brokers

Independent insurance agents can quote rates with many companies and that gives them the ability to insure with multiple insurance companies and find you the best rates. If they quote lower rates, your agent can switch companies and you don’t have to switch agencies. If you need lower rates, you should always include price quotes from independent agents to ensure the widest selection of prices. Most also write with less well-known companies which may provide better rates.

Listed below are Irvine independent insurance agents that can possibly get you free price quotes.

• Wells Fargo Insurance Services: Harper James
  2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map
• Peter Green Insurance Agency LLC
  3151 Airway Ave Suite F203 – Costa Mesa, CA 92626 – (714) 258-2800 – View Map
• Journey Insurance
  9541 Irvine Center Dr – Irvine, CA 92618 – (888) 323-7480 – View Map

View more agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot shop your coverage around so keep that in mind. Exclusive agencies are highly trained on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy from the same agent for years mainly due to the prominence of the brand rather than having low rates.

Shown below are Irvine exclusive agents willing to provide price quotes.

• State Farm: Jane Lee
  30 Corporate Park – Irvine, CA 92606 – (949) 223-5020 – View Map
• Allstate Insurance: Kay Yang
  4255 Campus Dr A270 – Irvine, CA 92612 – (949) 509-2888 – View Map
• Mike McCain – State Farm Insurance Agent
  1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300 – View Map

View more agents

Finding the right insurance agent shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.

• How much will you save each year by using a higher deductible?
• Can glass repairs be made at your home?
• Does the company allow you to choose your own collision repair facility?
• Is there any savings for paying the full premium?
• Do they have cheaper tiers of coverage?
• Do they carry Errors and Omissions coverage?

Insurance coverage considerations

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, vandalism and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, driving through your garage door, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible on your Q5 in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi Q5.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liability limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as rehabilitation expenses, surgery, doctor visits, EMT expenses and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things such as structural damage, medical services, court costs, attorney fees and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but drivers should carry better liability coverage.

The next chart demonstrates why buying low liability limits may not provide adequate coverage.

Get the best coverage at the most affordable price

Cheaper car insurance in Irvine can be found from both online companies and with local Irvine insurance agents, so you need to shop Irvine auto insurance with both to have the best rate selection. Some companies may not have online rate quotes and usually these small insurance companies work with independent insurance agents.

We’ve covered a lot of ways to find lower-cost Audi Q5 insurance in Irvine. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest prices come from the least-expected company.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

More information can be read at the links below

• Choosing a Car for Your Teen (State Farm)
• What Auto Insurance is Cheapest for Infrequent Drivers in Irvine? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers with Bad Credit in Irvine? (FAQ)
• Who Has Cheap Auto Insurance for Safe Drivers in Irvine? (FAQ)
• How Much are Irvine Car Insurance Quotes for Unemployed Drivers? (FAQ)
• Who Has the Cheapest Irvine Car Insurance for a Honda Accord? (FAQ)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)