How many years has it been since you compared the cheapest Audi R8 insurance in Bakersfield? Finding low-cost insurance for your Audi R8 in California could be difficult, but you can follow the following methods and make it easy.
There is a right way and a wrong way to find insurance online and we’ll show you the best way to compare rates on a Audi and find the lowest possible price.
Pricing the lowest-priced protection in Bakersfield is not as confusing as people think. If you have insurance now or just want cheaper coverage, you can use these tips to reduce the price you pay while maintaining coverages. Drivers just need to know the tricks to compare different rates using one simple form.
Finding cheaper auto insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes to find out which insurance company has the cheapest Audi R8 rate quotes.
The providers in the list below can provide quotes in California. If more than one company is shown, we recommend you visit as many as you can to get the cheapest price.
Auto insurance quotes and discounts
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain credits will be shown when you quote, but some must be inquired about before they will apply.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Bakersfield auto insurance quote.
- Onboard Data Collection – Bakersfield drivers who agree to allow their auto insurance company to monitor driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
- Senior Discount – Seniors are able to get a discount up to 10%.
- E-sign Discounts – A handful of larger companies may give you up to $50 for buying a policy and signing up on the web.
- Multiple Cars – Drivers who insure multiple cars or trucks on one policy could earn a price break for each car.
- Active Military Service – Having a deployed family member could qualify you for better prices.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
- Student Discounts – Being a good student may save as much as 25% on a Bakersfield auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
- Home Ownership Discount – Owning a house in Bakersfield may trigger a policy discount on auto insurance because maintaining a house shows financial diligence.
Drivers should understand that some credits don’t apply to the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.
The illustration below illustrates the difference between Audi R8 insurance rates with and without discounts. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-policy, and multi-car discounts applied.
A list of companies and a partial list of their discounts can be read below.
- GEICO has discounts for multi-policy, driver training, multi-vehicle, emergency military deployment, membership and employees, daytime running lights, and anti-theft.
- Mercury Insurance offers discounts for good driver, multi-policy, age of vehicle, good student, ease of repair, accident-free, and location of vehicle.
- Farmers Insurance policyholders can earn discounts including alternative fuel, good student, homeowner, teen driver, and mature driver.
- Auto-Owners Insurance offers premium reductions for paperless, multi-policy, student away at school, paid in full, air bags, anti-lock brakes, and teen driver.
- Liberty Mutual may have discounts that include new move discount, hybrid vehicle, newly married, newly retired, and new vehicle discount.
- SAFECO includes discounts for homeowner, drive less, bundle discounts, safe driver, anti-lock brakes, teen safety rewards, and teen safe driver.
- Progressive discounts include online quote discount, homeowner, multi-policy, multi-vehicle, continuous coverage, online signing, and good student.
- USAA may offer discounts for military installation, annual mileage, good student, multi-policy, and loyalty savings.
If you need affordable Bakersfield auto insurance quotes, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available everywhere. To see a list of auto insurance companies who offer online Audi R8 insurance quotes in Bakersfield, click here.
Coverage information
The coverage table shown next covers estimates of rate quotes for Audi R8 models. Having a better idea how insurance premiums are determined can be of help when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $344 | $860 | $464 | $28 | $138 | $1,834 | $153 |
| R8 4.2 Quattro | $344 | $860 | $464 | $28 | $138 | $1,834 | $153 |
| R8 5.2 Quattro 10Cyl | $414 | $1018 | $464 | $28 | $138 | $2,062 | $172 |
| R8 5.2 Quattro 10Cyl | $414 | $1018 | $464 | $28 | $138 | $2,062 | $172 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can lower or raise price quotes noticeably.
Physical damage deductibles
When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below can help you visualize the rate differences when you buy lower versus higher physical damage deductibles. The first set of prices 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 |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $722 | $1666 | $442 | $26 | $132 | $3,013 | $251 |
| R8 4.2 Quattro | $722 | $1666 | $442 | $26 | $132 | $3,013 | $251 |
| R8 5.2 Quattro 10Cyl | $870 | $1972 | $442 | $26 | $132 | $3,467 | $289 |
| R8 5.2 Quattro 10Cyl | $870 | $1972 | $442 | $26 | $132 | $3,467 | $289 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $528 | $1126 | $442 | $26 | $132 | $2,254 | $188 |
| R8 4.2 Quattro | $528 | $1126 | $442 | $26 | $132 | $2,254 | $188 |
| R8 5.2 Quattro 10Cyl | $634 | $1332 | $442 | $26 | $132 | $2,566 | $214 |
| R8 5.2 Quattro 10Cyl | $634 | $1332 | $442 | $26 | $132 | $2,566 | $214 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in your specific Bakersfield location which can affect price quotes greatly.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $69 more each month or $828 a year across all Audi R8 models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 6 months between claims, you would save more money going with the higher deductible.
How to determine if higher deductibles are a good idea
| Average monthly premium for $100 deductibles: | $270 |
| Average monthly premium for $500 deductibles (subtract): | – $201 |
| Monthly savings from raising deductible: | $69 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $69 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 6 months |
One thing to be aware of is that higher deductibles results in a higher out-of-pocket expense if you have a claim. That will force you to have enough money in the bank in order to pay the deductible for vehicle repair.
The illustration below demonstrates how deductible levels and can raise or lower Audi R8 insurance prices for different ages of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Men versus women drivers and insurance cost
The information below illustrates the comparison of Audi R8 premium costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Audi R8 full coverage rates compared to liability only
The example below illustrates the difference between Audi R8 insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.
When to switch to liability coverage only
There is no exact formula for phasing out full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Audi R8 book value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually to have full coverage, then you may need to consider dropping full coverage.
There are some situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Auto insurance agents can give valuable advice
A small number of people prefer to have an agent’s advice and there is nothing wrong with that. Experienced insurance agents are very good at helping people manage risk and help you file claims. A good thing about comparing rates online is you may find the lowest rates but also keep your business local. Putting coverage with local insurance agencies is important particularly in Bakersfield.
After completing this short form, your insurance coverage information is transmitted to companies in Bakersfield who want to provide quotes and help you find cheaper coverage. You never need to find an agent on your own since rate quotes are delivered immediately to your email address. If you want to compare rates from a particular provider, just go to their quote page and complete a quote there.
When researching a local Bakersfield insurance agency, there are a couple of different types of agencies from which to choose. Bakersfield agents are categorized either independent or exclusive. Either type can sell affordable car insurance policies, but it’s good to learn how they differ since it can impact which type of agent you select.
Independent Car Insurance Agents (or Brokers)
Agents of this type are not restricted to one company so they can insure your vehicles with any number of different companies and help determine which has the cheapest rates. If prices rise, they simply move your policy to a different company which makes it simple for you. When comparing rates, we recommend you include price quotes from multiple independent agents so that you can do a thorough price comparison. Most can insure with smaller regional carriers that may provide cheaper car insurance rates.
Shown below is a partial list of independent agencies in Bakersfield who can help you get cheap rate quotes.
- Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map - Baldwin Georgenton Insurance
4200 Truxtun Ave # 102 – Bakersfield, CA 93309 – (661) 327-8010 – View Map - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
Exclusive Insurance Agents
These type of agents have only one company to place business with such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are usually well trained in insurance sales which helps offset the inability to provide other markets. A lot of people use the same exclusive agent primarily because of the brand legacy rather than having low rates.
Listed below is a list of exclusive agents in Bakersfield that can give you price quote information.
- Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map - Abir M Pulskamp – State Farm Insurance Agent
1100 Mohawk St #240 – Bakersfield, CA 93309 – (661) 322-3338 – View Map - Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140 – View Map
Choosing the best car insurance agent shouldn’t rely on just a cheap price. These are some questions your agent should answer.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do you qualify for any additional discounts?
- What is the financial rating for the quoted company?
- Can glass claims be handled at your home?
- Do you work with a CSR or direct with the agent?
- Is the agent properly licensed in California?
- Is the agency involved in supporting local community causes?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Insurance Cost Influencing Factors
Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious like your driving record, although others are more obscure such as whether you are married or your vehicle rating. When buying insurance it’s important to understand the factors that help determine the level of your policy premiums. If you understand what influences your rates, this enables you to make decisions that could result in lower premium levels.
More than one policy can earn a discount – The majority of insurance companies allow better rates to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to shop around to make sure you are getting the best deal.
Certain vocations raise rates – Careers such as real estate brokers, architects, and accountants have higher premiums than the average policyholder attributed to job stress and long work days. On the flip side, occupations such as scientists, engineers and the unemployed have the lowest average rates.
Lower rates for married couples – Having a spouse may save some money when shopping for insurance. Having a spouse generally demonstrates drivers are more mature and responsible and it’s proven that married couples file fewer claims.
Teen drivers are expensive to insure – Teen drivers in California tend to be less responsible when behind the wheel so they pay higher insurance rates. Having to add a teenage driver to your insurance policy can really hurt. Mature drivers tend to be more responsible, statistically cause fewer accidents, and receive fewer citations.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Safer the car lower the rate – Vehicles with high crash test scores tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Audi R8 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Insurance does more than just protect your car
Even though Bakersfield R8 insurance rates can get expensive, insuring your vehicle serves a purpose in several ways.
- Most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability 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 your vehicle has a lienholder, most lenders will stipulate that you carry insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Audi for a lot more money and force you to pay for the expensive policy.
- Insurance preserves both your car and your personal assets. It will also provide coverage for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If your Audi gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your car more than offset the price you pay, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying over $830 a year so you should quote rates at every policy renewal to help ensure money is not being wasted.
Cheap car insurance rates are possible
In this article, we covered some good ideas how to find affordable Audi R8 insurance in Bakersfield. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may even find the lowest priced car insurance comes from a lesser-known regional company.
Consumers switch companies for a number of reasons such as being labeled a high risk driver, delays in paying claims, poor customer service or even lack of trust in their agent. Regardless of your reason, finding a new company is easier than you think.
When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. In many cases, someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
How to quote cheaper Audi R8 insurance in Bakersfield
It takes a little time, but the best way to get affordable Audi R8 insurance is to start doing an annual price comparison from insurance carriers in Bakersfield.
- Step 1: Spend some time learning about how car insurance works and the modifications you can make to drop your rates. Many things that cause rate increases like traffic citations and a less-than-favorable credit score can be amended by making minor changes in your lifestyle.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can quote rates for many different companies.
- Step 3: Compare the new rates to your existing rates to see if a cheaper price is available in Bakersfield. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your company or agent to cancel your current auto insurance policy. Submit payment and a completed application for the new coverage. As soon as you have the new policy, put the new certificate verifying coverage in an easily accessible location in your vehicle.
The critical component of shopping around is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote and and to analyze as many companies as feasibly possible. This ensures the most accurate price comparison and a better comparison of the market.
Additional information
- How to Avoid Common Accidents (State Farm)
- How Much are Auto Insurance Rates for a Honda Accord in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Requiring a SR22 in Bakersfield? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 50 in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Car Insurance Rates for a 20 Year Old Female? (FAQ)
- Red Light Cameras (State Farm)
- Auto Theft Statistics (Insurance Information Institute)