Auto Insurance Quotes for an Audi A4 in Bakersfield

Remarkably, a study showed that nearly 70% of drivers have remained with the same auto insurance company for at least four years, and nearly 40% of drivers have never shopped around. Many drivers in California could cut their rates by as much as 35% a year by just comparing quotes, but they don’t invest the time required to find cheap rates by getting comparison quotes.

Really, the only way to find lower priced Audi A4 insurance in Bakersfield is to start doing a yearly price comparison from companies who can sell car insurance in California.

Step 1: It will benefit you to learn about the coverage provided by your policy and the steps you can take to prevent rate increases. Many factors that increase rates like high-risk driving behaviors and a negative credit score can be amended by making minor changes in your lifestyle.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of companies.

Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available in Bakersfield. If you can save money and switch companies, make sure there is no lapse in coverage.

Step 4: Give notification to your agent or company to cancel the current policy and submit the required down payment along with the signed application for the new policy. Make sure you store the proof of insurance paperwork along with your vehicle registration.

One thing to point out is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from as many companies as you can. This ensures a fair rate comparison and maximum price selection.

The companies shown below offer price quotes in Bakersfield, CA. If more than one company is shown, it’s highly recommended you visit several of them in order to find the lowest rates.

Audi A4 coverage statistics

The data table shown below showcases a range of insurance premium costs for Audi A4 models. Having a better understanding of how rates are formulated can be of help when making informed decisions.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific location information which can impact coverage prices considerably.

The example below highlights how deductible choice and can affect Audi A4 premium costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Audi A4 insurance rates by gender

The information below compares Audi A4 annual premium costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Audi A4 liability-only versus full coverage

The illustration below illustrates the difference between Audi A4 car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no violations or claims, $500 deductibles, drivers are single, and no policy discounts are applied.

Should you be buying full coverage?

There is no definitive formula of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Audi A4 settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your deductible. If premiums are more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Bakersfield Insurance Rates are Influenced by These Factors

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are less apparent like your continuous coverage or your commute time.

• Save money by having multiple policies – Many companies afford a discount to policyholders that buy multiple policies, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
• Your car’s features help determine premiums – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.
• Better credit means lower premiums – An insured’s credit score is likely to be a major factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could save money insuring your Audi A4 by improving your credit score. People that have excellent credit scores tend to file fewer claims than those with poor credit scores.
• Drive fewer miles and save – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices partially by how you use the vehicle. Autos that do not get driven very much cost less to insure than cars that get driven a lot. Incorrect rating for your A4 is throwing money out the window. Verify your car insurance policy is rated on the correct usage for each vehicle, because improper ratings can cost you money.
• Low comp and collision deductibles cost more – The deductibles define the amount you are required to spend if you file a covered claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims are rear-ending another vehicle, vandalism, and damage from wind. The more damage repair cost the insured has to pay upfront, the less your car insurance will be.
• Being married can lower prices – Walking down the aisle may cut your premiums on your car insurance bill. Marriage means you’re more mature and responsible and it’s statistically proven that drivers who are married are more cautious.

• Audi A4 insurance loss statistics – Companies use statistical claims data to calculate a price that offsets possible losses. Vehicles that statistically have increased claim numbers or amounts will cost more for coverage.

  The next table illustrates the loss history for Audi A4 vehicles. For each coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Values below 100 represent a good loss history, while percentages above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

  
  

  Insurance Loss Ratings for Audi A4 Vehicles

  Specific Audi Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A4 4dr 2WD	179	107	103	80	112	100
  Audi A4 4dr 4WD	160	94	118	66	68	77
  Audi A4 Allroad Station Wagon 4WD	145	84	110	47	47	70

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance protects more than just your car

Despite the high cost of buying insurance for a Audi A4 in Bakersfield, paying for auto insurance is required by state law in California and it also provides benefits you may not be aware of.

First, almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability protection if you drive a vehicle. 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.

Second, if you took out a loan on your A4, it’s most likely the lender will require that you have insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Audi at a more expensive rate and require you to fork over much more than you were paying before.

Third, auto insurance preserves your Audi A4 and your assets. It will also cover medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. Unknowingly, the average driver is currently overpaying as much as $855 a year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

California car insurance company ratings

Picking a high-quality car insurance company can be challenging considering how many companies provide coverage in Bakersfield. The ranking information in the next section could help you choose which coverage providers to look at when shopping your coverage around.

Top 10 Bakersfield Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Top 10 Bakersfield Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide