Shocking but true, the vast majority of car insurance customers have remained with the same car insurance company for four years or more, and 38% of customers have never compared rates with other companies. Many drivers in Bakersfield could save approximately 35% a year just by comparing rates, but they don’t know the big savings they would realize if they moved their coverage to a different company.
Truthfully, the best way to find affordable quotes for Audi A8 insurance is to compare prices once a year from insurers in Bakersfield.
- First, learn about how your policy works and the modifications you can make to lower rates. Many rating criteria that result in higher rates like tickets, at-fault accidents, and an unfavorable credit rating can be rectified by making minor changes in your lifestyle.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies. Start a quote
- Third, compare the new rate quotes to your existing policy and determine if cheaper A8 coverage is available in Bakersfield. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
One bit of advice is to use identical coverages on each quote and and to analyze as many auto insurance providers as possible. This provides a fair price comparison and a complete price analysis.
Quoting and comparing the best-priced insurance coverage in Bakersfield is not as confusing as people think. If you are already insured or just want a better rate, you can use this information to find the best rates and possibly find even better coverage. Drivers only need an understanding of the most time-saving way to buy insurance from multiple carriers.
Compare Bakersfield Audi A8 insurance quotes
Finding more affordable Audi A8 insurance prices is a great way to save money. All that’s required is to take time comparing rates from some recommended companies.
The companies shown below are ready to provide quotes in Bakersfield, CA. If the list has multiple companies, it’s highly recommended you get price quotes from several of them in order to get a fair rate comparison.
Take policy discounts and save on Audi A8 insurance in Bakersfield
Companies do not advertise all available discounts very well, so the list below gives a summary of a few of the more common and the harder-to-find credits that may apply to you.
- Early Switch Discount – Some companies provide a discount for buying a policy prior to your current A8 insurance policy expiration. It’s a savings of about 10%.
- Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
- Save with a New Car – Buying insurance coverage on a new vehicle may earn a small discount because new vehicles keep occupants safer.
- Homeowners Savings – Just owning your own home can help you save on insurance since home ownership requires a higher level of personal finance.
- Paper-free Discount – Some companies will discount your bill up to fifty bucks for buying your policy on the internet.
- Driving Data Discount – Bakersfield drivers who agree to allow companies to analyze driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
- Discount for Life Insurance – Some insurance companies give a lower rate if you buy some life insurance in addition to your auto policy.
- Waiver for an Accident – Not really a discount, but some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a specific time period.
One last thing about discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you won’t be that lucky.
The diagram below illustrates the difference between Audi A8 auto insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no accidents or 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, multi-car, homeowner, safe-driver, claim-free, and marriage discounts applied.
Large insurance companies and some of their more popular discounts include:
- State Farm offers discounts for Steer Clear safe driver discount, passive restraint, Drive Safe & Save, student away at school, defensive driving training, and multiple autos.
- Farmers Insurance offers premium reductions for early shopping, mature driver, distant student, alternative fuel, switch companies, and electronic funds transfer.
- Progressive may offer discounts for online signing, online quote discount, good student, continuous coverage, multi-policy, multi-vehicle, and homeowner.
- GEICO has savings for good student, air bags, daytime running lights, anti-lock brakes, multi-policy, multi-vehicle, and military active duty.
- Auto-Owners Insurance includes discounts for safe vehicle, good student, company car, group or association, multiple vehicles, anti-lock brakes, and teen driver.
- The Hartford discounts include defensive driver, bundle, good student, driver training, anti-theft, and air bag.
- Farm Bureau offers discounts including renewal discount, driver training, youthful driver, safe driver, multi-policy, multi-vehicle, and 55 and retired.
- USAA may include discounts for vehicle storage, family discount, good student, safe driver, new vehicle, and driver training.
When getting free Bakersfield car insurance quotes, it’s a good idea to each company or agent to give you their best rates. Some discounts listed above may not apply to policies in Bakersfield. To find insurers who offer online Audi A8 insurance quotes in Bakersfield, click this link.
Car insurance analysis for an Audi A8
The rate table shown below outlines a range of insurance premium costs for Audi A8 models. Knowing how insurance rates are formulated can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $420 | $794 | $442 | $26 | $132 | $1,814 | $151 |
| A8 4.2L Quattro 4-Dr Sedan | $456 | $878 | $442 | $26 | $132 | $1,934 | $161 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in vehicle location which can lower or raise auto insurance rates significantly.
Policy deductible comparison
A question often asked by Bakersfield drivers is how high should your deductibles be. The figures shown below may help to conceptualize how much more you’ll pay between low and high physical damage deductibles. The first set of prices uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $576 | $1176 | $442 | $26 | $132 | $2,377 | $198 |
| A8 4.2L Quattro 4-Dr Sedan | $624 | $1298 | $442 | $26 | $132 | $2,547 | $212 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $320 | $620 | $442 | $26 | $132 | $1,540 | $128 |
| A8 4.2L Quattro 4-Dr Sedan | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can impact rates considerably.
Based on the data above, we can derive that using a $100 deductible costs about $73 more each month or $876 each year across all Audi A8 models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 12 months between claims, you would probably save some money by going with a higher deductible.
Get rate quotes but buy from a local Bakersfield insurance agency
Some people would prefer to go talk to an agent and doing so can bring peace of mind Professional insurance agents are highly skilled in risk management and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get cheap insurance quotes but also keep your business local. And supporting small agencies is still important in Bakersfield.
After completing this form (opens in new window), your coverage information is sent to local insurance agents in Bakersfield who will give you quotes to get your business. You never need to do any legwork because prices are sent straight to your inbox. If you have a need to quote rates for a specific company, don’t hesitate to visit that company’s website and fill out the quote form the provide.
How to choose the best auto insurance agent in Bakersfield
If you are wanting to find a local Bakersfield insurance agent, it helps to know the two different types of agencies and how they work. Insurance agencies are classified as either independent or exclusive depending on the company they work for. Both can properly insure your vehicles, but it is a good idea to know the subtle differences since it can affect your selection of an agent.
Independent Insurance Agencies or Brokers
Independent agencies do not write with just one company and that enables them to quote your coverage with an assortment of companies and get you the best rates possible. If premiums increase, an independent agent can move your coverage which is easy for the insured.
When comparing rates, you definitely need to get insurance quotes from at a minimum one independent agency to get the most accurate price comparison. Many write coverage with additional companies that you may not be familiar with that may provide cheaper insurance rates.
The following are Bakersfield independent insurance agents that may be able to provide cheap rate quotes.
- Crosby and Crosby Insurance Services
111 H St – Bakersfield, CA 93304 – (661) 327-5531 – View Map - Clifford and Bradford Insurance Agency
1515 20th St – Bakersfield, CA 93301 – (661) 283-8100 – View Map - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only write with one company such as American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage. Many people buy from exclusive agents primarily because of the brand instead of buying on price only.
The following is a list of exclusive insurance agencies in Bakersfield that are able to give rate quotes.
- Dennis Stitt – State Farm Insurance Agent
1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 – View Map - Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 – View Map - State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 – View Map
Finding the right auto insurance agent should include more criteria than just the premium amount. The answers to these questions are important, too.
- Do they have any clout with companies to ensure a fair claim settlement?
- If you raise deductibles, how much can you save?
- Do they offer claims assistance after hours?
- Are they primarily personal or commercial lines agents in Bakersfield?
- Are they properly licensed to sell insurance in California?
- How would your car be valued if totaled?
Insurance is unique, just like you
When it comes to choosing the best insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- Should I buy only the required California minimum liability coverage?
- Does my Audi A8 need full coverage?
- What vehicles should carry emergency assistance coverage?
- How high should my medical payments coverage be?
- Can I still get insurance after a DUI?
- Are rock-chip repairs free?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my policy pay for OEM or aftermarket parts?
- Are my friends covered when driving my car?
- Am I covered if I have no license?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
How to Lower Your Insurance Costs
Many different elements are part of the equation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but others are more obscure such as your credit history and annual miles driven.
Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.
Don’t get traffic citations – Your driving citation history impacts premiums far more than you think. Having just one citation could increase your next policy renewal substantially. Drivers who don’t get tickets get better rates than people who have multiple driving citations. People who have dangerous citations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
The information below illustrates how speeding tickets and at-fault fender-benders increase Audi A8 car insurance costs for each age group. The premium estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
High performance equals high rates – The make and model of the car you are insuring makes a significant difference in your premium level. Lower performance four cylinder passenger cars normally have pretty low rates, but the final cost of insurance is determined by many other factors.
The following chart assumes a married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Audi A8 car insurance rates compared to other models of vehicles that have different risk factors.
Cheaper auto insurance rates with safer cars – Safer cars can get you lower premiums. Vehicles built for safety have better occupant injury protection and lower injury rates means your insurance company pays less passed on to you as lower rates.
Don’t cut corners with liability – Liability coverage will protect you when a court rules you are at fault for causing personal injury or damage in an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
With age comes lower rates – Young drivers in California tend to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Annual miles is a factor – The more you drive in a year’s time the more you will pay for auto insurance. A lot of insurance companies charge rates based on their usage. Cars that are left in the garage can get a lower rate than those that get driven frequently. An improperly rated A8 is throwing money out the window. Make sure your auto insurance coverage reflects annual mileage, because improper ratings can cost you money.
Males are more aggressive – Statistics have proven women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. They both get in auto accidents at about the same rate, but the males have costlier accidents. Men also tend to have more aggressive citations such as reckless driving.
The illustration below compares Audi A8 annual premium costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Bad credit hurts insurance prices – Having a bad credit score is likely to be a major factor in determining what you pay. If your credit could use some work, you could potentially save money when insuring your Audi A8 by improving your credit score. Drivers with very good credit scores tend to be more responsible than drivers who have poor credit scores.
Insurance losses for an Audi A8 – Insurance companies use past insurance losses to calculate a rate that will offset any claims. Vehicles that tend to have higher claim frequency or loss amount will have higher rates.
The next table illustrates the compiled insurance loss statistics for Audi A8 vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is set at 100. Percentages below 100 suggest losses that are better than average, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi A8 4dr 4WD | 289 | 108 | 261 | |||
| Audi A8L 4dr 4WD | 300 | 88 | 279 | 62 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance does more than just protect your car
Even though it’s not necessarily cheap to insure an Audi in Bakersfield, insuring your vehicle may not be optional for several reasons.
- Almost all states have minimum liability requirements which means you are required to carry specific limits 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 lien on your Audi, almost all lenders will require that you buy insurance to guarantee payment of the loan. If you let the policy lapse, the bank may buy a policy for your Audi at a significantly higher premium and force you to reimburse them the higher premium.
- Insurance protects both your assets and your car. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance outweigh the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $825 a year so shop around once a year at a minimum to save money.
Compare insurance rates regularly to save
We just covered some good ideas how you can save on Audi A8 insurance in Bakersfield. The most important thing to understand is the more you quote Bakersfield car insurance, the better likelihood of getting the cheapest Audi A8 rate quotes. Drivers may even discover the biggest savings come from a small mutual company.
Some insurance companies may not offer rates over the internet and usually these smaller companies only sell through independent agents. More affordable insurance in Bakersfield is definitely available online and with local Bakersfield insurance agents, and you need to price shop both to have the best rate selection.
People leave their current company for many reasons like high rates after DUI convictions, not issuing a premium refund, denial of a claim and policy non-renewal. No matter why you want to switch, switching companies is easier than you think.
Much more information about insurance in California is available on the following sites:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Quotes for Active Military in Bakersfield? (FAQ)
- How Much is Auto Insurance for Hybrid Vehicles in Bakersfield? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Nurses in Bakersfield? (FAQ)
- How Much is Car Insurance for 16 Year Olds in Bakersfield? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- Safety Features for Your New Car (State Farm)