Save on Audi A6 Insurance in Bakersfield

If you want to find the absolute lowest rates, then the best way to find cheaper prices for Audi A6 insurance in Bakersfield is to compare prices once a year from companies in California.

Step 1: Get an understanding of how insurance companies determine prices and the changes you can make to lower rates. Many factors that cause high rates such as speeding tickets, careless driving and a poor credit score can be amended by making small lifestyle or driving habit changes. Later in this article we will cover information to keep prices down and get bigger discounts.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.

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

Step 4: Notify your current company of your decision to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for your new policy. Don’t forget to safely store the certificate verifying proof of insurance in your vehicle.

One key aspect when comparing rates is to try to compare the same deductibles and limits on each price quote and and to get quotes from every insurance company. This helps ensure a level playing field and many rates to choose from.

Unbelievable but true according to a study a large majority of drivers kept their policy with the same company for well over three years, and practically 40% of insurance customers have never compared rates with other companies. California drivers could pocket approximately 35% a year, but they underestimate the actual amount they would save if they switch to a new company.

Informed Consumers Save Money

Smart consumers have a good feel for some of the elements that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

Do you save by driving less? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles that have low annual miles cost less to insure than vehicles that have high annual mileage. It’s always a good idea to double check that your auto insurance policy shows the proper vehicle usage. Improper usage on your A6 can result in significantly higher rates.

Better prices on cars with good safety ratings – Safe vehicles tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.

Bad credit will cost you – Having a good credit rating can be an important factor in determining what you pay for auto insurance. If your credit history can be improved, you may save money insuring your Audi A6 by taking the time to improve your credit score. People that have high credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings.

Women pay lower premiums – Statistics show that women are safer drivers than men. It does not mean women are better drivers. Women and men are responsible for fender benders in similar percentages, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Young males generally have the highest accident percentage and therefore pay the highest rates.

The illustration below shows the difference between Audi A6 insurance premiums for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Lower premiums with theft deterrents – Buying a car with a theft deterrent system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Insurance loss statistics an Audi A6 – Insurance companies analyze past claim statistics to calculate a price that offsets possible losses. Models that are shown to have higher prevalence or dollar amount of losses will cost more for specific coverages.

The table below illustrates the insurance loss data used by companies for Audi A6 vehicles. For each insurance policy coverage type, the loss probability for all vehicles compiled together is equal to 100. Numbers shown that are under 100 represent a good loss history, while percentage numbers above 100 point to more frequent losses or a tendency for claims to be larger.

When quoting car insurance, remember that comparing more quotes will enable you to find the best price. Some insurance companies are not set up to provide rate quotes online, so you also need to get quotes from the smaller companies as well.

The companies shown below can provide comparison quotes in California. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Premium rates and analysis

The premium information displayed next showcases detailed analysis of policy rates for Audi A6 models. Having a better understanding of how car insurance prices are formulated is important for making informed coverage decisions.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in garaging location in Bakersfield which can alter coverage prices greatly.

Can higher deductibles save money?

One common question asked by Bakersfield drivers is the level to set your comp and collision deductibles. The tables below may help to conceptualize the price difference when you select higher and lower policy deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in your specific Bakersfield location which can modify premiums greatly.

We can derive from the above data that using a $250 deductible will cost you approximately $24 more each month or $288 every year than opting for the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 10 months between claims, you would probably save some money if you choose the higher deductible.

Auto insurance rates are higher with tickets and accidents

The information below illustrates how violations and at-fault accidents drive up Audi A6 yearly insurance costs for each age group. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Three good reasons to insure your Audi vehicle

Even though Bakersfield A6 insurance rates can get expensive, insurance is required by state law in California and it also provides benefits you may not be aware of.

• Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance 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.
• If you have a loan on your Audi, more than likely the lender will stipulate that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Audi for a lot more money and force you to reimburse them the higher premium.
• Insurance preserves both your assets and your Audi. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your A6 more than offset the price you pay, particularly if you ever have a claim. An average driver in America is overpaying over $820 a year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.

Lower rate quotes with discounts

Companies that sell car insurance don’t always list all discounts in a way that’s easy to find, so the next list breaks down both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Bakersfield auto insurance online.

• Low Mileage – Low annual miles could earn cheaper car insurance rates.
• Senior Citizens – Older drivers can get reduced rates.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
• Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of at least 10 to 15 percent or more.
• Sign Online – A handful of companies will give a small break just for signing your application digitally online.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will reduce the premium cost.

The diagram below illustrates the comparison of Audi A6 auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no tickets, 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 claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts are outlined below.

• Progressive includes discounts for good student, multi-vehicle, online quote discount, online signing, homeowner, and continuous coverage.
• GEICO offers discounts including membership and employees, air bags, defensive driver, anti-lock brakes, five-year accident-free, and anti-theft.
• State Farm may have discounts that include multiple policy, multiple autos, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, good driver, and accident-free.
• Esurance policyholders can earn discounts including good student, multi-car, safety device, claim free, Pac-12 alumni, multi-policy, and anti-theft.
• The Hartford offers discounts for good student, driver training, bundle, vehicle fuel type, defensive driver, and anti-theft.

Double check with every insurance company which discounts they offer. Discounts might not apply in your state.

Shop online but buy locally

Certain consumers still prefer to go talk to an agent. An additional benefit of comparing car insurance online is you can get cheap car insurance quotes but still work with a licensed agent.

Upon completion of this quick form, your insurance coverage information is sent to insurance agents in Bakersfield that give free quotes for your coverage. There is no need to search for an agent due to the fact that quote results will go immediately to your email address. It’s the lowest rates without a big time investment. If for some reason you want to get a rate quote from a specific company, just visit that company’s website and give them your coverage information.

Picking the best company should depend on more than just a cheap quote. Any agent in Bakersfield should be willing to answer these questions.

• Is there any savings for paying the full premium?
• How experienced are they in personal risk management?
• Are all drivers listed on the coverage quote?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• If you are a high risk driver, do they have special markets for your coverage?
• Will your rates increase after a single accident?

If you prefer to buy car insurance from a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies are categorized either exclusive or independent.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training in insurance sales which aids in selling service over price. A lot of people buy from exclusive agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Listed below is a short list of exclusive insurance agents in Bakersfield that can give you price quote information.

• Allstate Insurance: Ana M. Arreola
  6649 Ming Ave – Bakersfield, CA 93309 – (661) 633-2633 – View Map
• Dennis Stitt – State Farm Insurance Agent
  1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 – View Map
• Rosie Schweer – State Farm Insurance Agent
  4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map

More insurance agents

Independent Agencies or Brokers

These agents are not locked into one company and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company and you don’t have to switch agencies. If you are comparing car insurance prices, you absolutely need to include rate quotes from several independent agencies for the best price selection. They also have the ability to place coverage with small mutual carriers which may have better rates.

Below is a list of independent insurance agents in Bakersfield that are able to give comparison quotes.

• El Dorado Insurance Agency, Inc.
  2809 Unicorn Rd # 102 – Bakersfield, CA 93308 – (800) 221-3386 – View Map
• Tony Camarena Insurance Agency
  324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
• Nationwide Insurance: Mountain Pacific Insurance And Financial Services
  3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map

More insurance agents

There’s no such thing as the perfect auto insurance policy

When buying insurance from an agent or online, there really isn’t a “best” method to buy coverage. Your financial needs are unique and your auto insurance should be unique as well.
Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

• How much underlying liability do I need for an umbrella policy?
• Does car insurance cover theft of personal property?
• Am I covered when pulling a rental trailer?
• Why am I required to buy high-risk coverage?
• Is motorclub coverage worth it?
• How high should my uninsured/underinsured coverage be in California?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need higher collision deductibles?
• Does rental coverage apply when I am renting a car?
• Why does it cost so much to insure a teen driver in Bakersfield?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Final considerations

More affordable auto insurance in Bakersfield is possible from both online companies as well as from insurance agents, so you need to quote Bakersfield auto insurance with both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and many times these regional carriers prefer to sell through local independent agents.

Throughout this article, we presented some good ideas how to save on Audi A6 insurance in Bakersfield. It’s most important to understand that the more you quote Bakersfield auto insurance, the better likelihood of getting affordable Audi A6 insurance quotes. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

For more information, link through to the resources below:

• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
• What Auto Insurance is Cheapest for Drivers with a DUI in Bakersfield? (FAQ)
• Top Signs Your Brakes are Giving Out (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)