Auto Insurance Rates for an Audi S4 in Bakersfield

Insurance quote for Audi S4 in BakersfieldIf you want to save the most money, the best way to find cheaper prices for Audi S4 insurance is to compare prices once a year from providers that sell auto insurance in Bakersfield. You can shop around by completing these steps.

  1. Try to learn about what is in your policy and the steps you can take to prevent expensive coverage. Many things that increase rates such as speeding tickets, accidents and a substandard credit history can be amended by paying attention to minor details. Read the full article for instructions to help reduce prices and find more discounts that you may not know about.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple sources.
  3. Compare the price quotes to your existing rates and see if you can save money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
  4. Notify your agent or company to cancel your current coverage. Submit payment and a completed application to the new company. Once the paperwork is finalized, place the new certificate verifying coverage in an easily accessible location.

The key aspect of shopping around is to use the same liability limits and deductibles on each quote and and to get quotes from every insurance company. This helps ensure a fair price comparison and a complete selection of prices.

Surprisingly, a recent survey revealed that 70% of consumers kept buying from the same company for at least four years, and almost 40% of drivers have never compared car insurance rates at all. Consumers in the U.S. could save $850 every year just by shopping around, but most just don’t grasp the large savings they would see if they bought a different policy.

Finding affordable auto insurance coverage in Bakersfield is not as difficult as people think. If you are insured now or want to find a cheaper company, take advantage of these tips to shop for the lowest rates without having to cut coverage. Smart buyers just have to learn the proper way to shop their coverage around from many companies at once.

How You Can Control Audi S4 Insurance Costs

Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although some other factors are less apparent like where you live and annual miles driven. An important part of buying insurance is that you know some of the elements that help calculate your premiums. When you understand what influences your rates, this helps enable you to make changes that can earn you lower car insurance prices.

More annual miles equals more premium – Driving more miles annually the more you will pay for car insurance. A lot of companies apply a rate based upon how the vehicle is primarily used. Cars not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. Double check that your policy reflects the correct usage. Having an incorrect usage rating on your S4 is just wasting money.

Prevent theft and save – Owning a car with advanced anti-theft systems can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.

Your address can impact price – Living in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. People in densely populated areas regularly have more aggressive driving styles and more severe claims. Fewer people means fewer accidents.

Rates go up with performance – The make and model of the car you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. Lower cost passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.

The following chart uses these assumptions: married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Audi S4 insurance premiums compared to other models that have different risk factors.

Do you have a tough employer? – Careers such as military personnel, social workers, and emergency personnel have higher premium rates due to intense work requirements and lots of time spent away from family. On the other hand, occupations like scientists, engineers and the unemployed receive lower rates.

Safeguard your assets with liability protection – Your car insurance policy’s liability coverage is the protection if ever a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Insurance loss data for an Audi S4 – Insurance companies use past loss statistics for each vehicle in order to profitably underwrite each model. Vehicles that are shown to have increased losses will have higher rates.

The table below shows the insurance loss data used by companies for Audi S4 vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Values that are below 100 represent a good loss history, while values over 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Auto Insurance Loss Data for Audi S4 Models
Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi S4 4dr 4WD 206 78 182 51 57 75

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

Coverage analysis

The information shown next showcases estimates of insurance prices for Audi S4 models. Understanding more about how auto insurance prices are established can aid in making decisions when choosing a new policy provider.

Audi S4 Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $318 $656 $386 $22 $116 $1,498 $125
S4 Quattro 4-Dr Sedan $318 $656 $386 $22 $116 $1,498 $125
S4 Quattro 4-Dr Sedan $350 $656 $386 $22 $116 $1,530 $128
S4 Quattro 4-Dr Sedan $350 $656 $386 $22 $116 $1,530 $128
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in Bakersfield location which can change premiums significantly.

Car insurance deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The comparison tables below can help illustrate the differences in premium rates between high and low comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Audi S4 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $430 $882 $376 $22 $112 $1,847 $154
S4 Quattro 4-Dr Sedan $430 $882 $376 $22 $112 $1,847 $154
S4 Quattro 4-Dr Sedan $474 $882 $376 $22 $112 $1,891 $158
S4 Quattro 4-Dr Sedan $474 $882 $376 $22 $112 $1,891 $158
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Audi S4 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can impact coverage rates substantially.

Based on these figures, using a $250 deductible will cost you approximately $23 more each month or $276 every year than quoting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 11 months between claim filings, you would most likely save money if you decide on a higher deductible.

Impact of speeding/accidents on Bakersfield car insurance rates

The information below demonstrates how traffic citations and at-fault claims can raise Audi S4 car insurance costs for each different age category. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The example below illustrates the difference between Audi S4 auto insurance costs with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There isn’t a written rule for dropping full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Audi S4 settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying your policy deductible. If premium cost is more than $700 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, 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 event your current vehicle is totaled, you should maintain full coverage.

Do you qualify for discounts on Audi S4 insurance in Bakersfield?

Companies don’t always advertise all their discounts very well, so we took the time to find both well-publicized as well as some of the hidden credits available to bring down your rates.Discount auto insurance

It’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

The chart below compares Audi S4 insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Before you buy a policy, ask every prospective company how many discounts you can get. Discounts may not be offered in your area.

Best auto insurance company in California

Buying coverage from the top insurer can be a challenge considering how many companies provide coverage in Bakersfield. The company ratings listed below can help you analyze which companies you want to consider buying from.

Top 10 Bakersfield Car Insurance Companies Overall

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

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

Quote often and quote early

Budget-friendly insurance in Bakersfield is possible from both online companies in addition to many Bakersfield insurance agents, so you need to shop Bakersfield car insurance with both to get a complete price analysis. Some insurance companies do not offer online quoting and usually these smaller companies only sell through independent insurance agents.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, delays in paying claims, policy cancellation or delays in responding to claim requests. Whatever your reason, switching companies is not as hard as you think.

When shopping online for insurance, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Even more information can be read in these articles: