Car Insurance Rates for an Audi A4 in San Francisco

It’s a known fact that car insurance companies want to keep your business as long as possible. Insureds who shop around for the cheapest price are very likely to buy a different policy because there is a high probability of finding good coverage at a lower price. A recent study showed that consumers who faithfully checked for cheaper rates saved about $860 a year compared to those who never shopped for cheaper rates.

If finding low prices for insurance is your intention, then having some knowledge of how to find and compare insurance can save time and make the process easier.

The easiest way to save on Audi A4 insurance is to start doing an annual price comparison from different companies who can sell car insurance in San Francisco.

1. Take a little time to learn about individual coverages and the things you can control to prevent expensive coverage. Many things that result in higher rates like at-fault accidents, speeding tickets, and your credit history can be controlled by making minor changes to your lifestyle.
2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can quote prices for a wide range of insurance providers.
3. Compare the new rates to your existing rates and determine if cheaper A4 coverage is available. If you can save some 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.
4. Give notification to your agent or company of your intent to cancel your current auto insurance policy. Submit the signed application along with the required initial payment for your new policy. Immediately upon receiving it, place your new certificate of insurance in an easily accessible location.

The key thing to know about shopping around is to try to compare the same deductibles and limits on every quote and and to get rates from every company you can. Doing this ensures a fair rate comparison and the best price selection.

Finding more affordable San Francisco insurance prices is an easy way to save money. You just have to invest a little time to compare rate quotes online from several insurance companies.

It’s so fast and easy to compare rate quotes online that it makes it obsolete to drive to insurance agencies in your area. The ability to quote Audi A4 insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the guidance that only a licensed agent can provide. It is possible with some companies get prices online but still have the advice of a local agent.

The companies shown below are our best choices to provide quotes in San Francisco, CA. If multiple providers are shown, we recommend you click on several of them in order to get a fair rate comparison.

Save a ton by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Most are applied when you complete an application, but a few must be requested specifically before they will apply.

• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
• Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
• First Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and Progressive permit an accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
• Home Ownership Discount – Owning a home in San Francisco can earn you a little savings since home ownership requires a higher level of personal finance.
• Early Signing – A few companies allow discounts for buying a policy prior to your current A4 insurance policy expiring. You may see this discount when you get San Francisco auto insurance quotes online.
• Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.

We need to note that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

The illustration below illustrates the difference between Audi A4 premium costs with and without discounts applied to the premium. The data assumes a female driver, no tickets, no at-fault accidents, 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, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.

Some of the larger companies who may offer most of these discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• GEICO

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Discounts might not apply in every state. To see providers that offer many of these discounts in San Francisco, click here to view.

Audi A4 detailed coverage information

The rate information displayed below covers different coverage prices for Audi A4 models. Having insight into how policy premiums are figured can help drivers make smart choices when comparing insurance quotes.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in San Francisco location which can lower or raise premium rates significantly.

Policy deductible comparison

One common question asked by San Francisco drivers is where to set your physical damage deductibles. The rates below can help you understand the differences in premium rates of buying low and high insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in specific zip code location which can influence coverage rates considerably.

Based on the figures above, using a $100 deductible costs an average of $37 more each month or $444 each year averaged for all A4 models than requesting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 11 months between claim filings, you would probably be better off if you choose the higher deductible.

One important caveat is that raising deductibles to save money results in a higher out-of-pocket expense when you have a physical damage claim. That will require enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

The information below highlights how deductible choice and can affect Audi A4 insurance rates for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Audi A4 insurance costs by gender and age

The information below shows the difference between Audi A4 yearly insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Audi A4 liability rates compared to full coverage

The illustration below shows the difference between Audi A4 car insurance costs with and without physical damage coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula to drop full coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Audi A4 book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the deductible is paid. If you are paying over $200 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where only buying liability is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Decisions You Make Can Impact Your Insurance Prices

A large part of saving on insurance is knowing the rating factors that go into determining the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates. Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are not as apparent such as your credit history or your commute time.

• Be proud to be claim-free – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies in California provide discounts to insureds who file claims infrequently. Auto insurance is intended for claims that you cannot pay yourself.
• Use credit responsibly and save – Having a good credit score can be a huge factor in determining your rates. Drivers who have high credit scores tend to file fewer claims and have better driving records than those with bad credit. If your credit is lower than you’d like, you may save money insuring your Audi A4 if you improve your credit rating.
• Annual mileage and car insurance premiums – The higher the mileage driven annually the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use cost less to insure than those that get driven frequently. Improper usage on your A4 may be costing you higher rates. It’s a smart idea to ensure your insurance declarations sheet reflects the proper vehicle usage, because it can save money.
• You might pay more if you are single – Having a spouse actually saves money when buying insurance. Having a spouse usually means you are more stable financially and insurance companies reward insureds because married couples file fewer claims.

• Older drivers pay less – Teen drivers in California are statistically proven to be more careless with other occupants in the car therefore insurance rates are much higher. Adding a teenage driver onto your insurance can break the bank. More experienced drivers are more cautious drivers, tend to cause fewer accidents, and receive fewer citations.

  The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Insurance loss probability for an Audi A4 – Insurance companies analyze historical claim data to help calculate premium prices. Models that statistically have a higher amount or frequency of claims will have a higher cost to insure.

  The table below outlines the insurance loss data used by companies for Audi A4 vehicles. For each type of coverage, the claim probability for all vehicles averaged together equals 100. Percentage values below 100 suggest a positive loss record, while values that are above 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Car Insurance Loss Data for Audi A4 Models

  Vehicle 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance is available from your local insurance agencies

Some people would prefer to go talk to an agent and doing that can be a smart decision Professional insurance agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is that drivers can save money and get the best rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance coverage information is submitted to companies in San Francisco that can provide free San Francisco auto insurance quotes for your business. You won’t even need to leave your computer since price quotes are sent instantly to you. If you wish to compare rates from a specific insurance company, you can always go to their quote page and give them your coverage information.

Deciding on an provider should include more criteria than just the bottom line cost. The answers to these questions are important, too.

• Is vehicle mileage a factor when determining depreciation for repairs?
• Are they able to influence company decisions when a claim is filed?
• Does the agent have professional designations like CIC, CPCU or AIC?
• How will an accident affect your rates?
• Do they feel the quoted coverages are adequate?
• Do they review policy coverages at every renewal?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Does the agent help file claims?

If you would like to find a reliable insurance agent, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agencies in San Francisco can either be independent or exclusive depending on the company they work for. Both types can do a good job, but it’s a good idea to understand the difference between them since it could factor into which type of agent you select.

Exclusive Car Insurance Agencies

Agents of this type normally can only provide a single company’s rates and examples are State Farm or Allstate. These agents are unable to compare other company’s rates so keep that in mind. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates.

The following is a short list of exclusive agencies in San Francisco who can help you get rate quotes.

View more agents

Independent Car Insurance Agents

Independent agencies are not employed by one company and that is an advantage because they can write policies amongst many companies and find the cheapest car insurance rates. If prices rise, your agent can switch companies and that require little work on your part. If you need cheaper car insurance rates, we recommend you get quotes from a couple of independent agencies for the best price selection.

The following are independent agencies in San Francisco that are able to give price quotes.

View more agents

Insurance can be complex

Keep in mind that when it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

• What is high-risk coverage and where do I buy it?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need higher collision deductibles?
• Do I have coverage when making deliveries for my home business?
• What does UM/UIM cover?
• Should I buy additional glass protection?
• Does my policy cover me if I wreck while driving under the influence?
• Why do I need rental car insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

What is YOUR best insurance company?

We’ve covered many ideas to get a better price on Audi A4 insurance in San Francisco. The key concept to understand is the more you quote San Francisco auto insurance, the better your chances of lowering your premium rates. Consumers may even find the best auto insurance rates are with some of the smallest insurance companies.

Lower-priced car insurance in San Francisco is attainable both online as well as from independent agents in San Francisco, so you need to shop San Francisco auto insurance with both to get a complete price analysis. Some companies may not provide rate quotes online and usually these smaller providers prefer to sell through independent insurance agents.

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, high prices or lack of trust in their agent. Whatever your reason, finding a new company is actually quite simple.

Additional detailed information is available at these sites:

• Prom Night Tips for Teen Drivers (State Farm)
• What Car Insurance is Cheapest for a Honda Pilot in San Francisco? (FAQ)
• Who Has Affordable San Francisco Auto Insurance Quotes for a Toyota RAV4? (FAQ)
• How Much is San Francisco Car Insurance for Drivers Under 21? (FAQ)
• Who Has Cheap Auto Insurance Rates for Welfare Recipients in San Francisco? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Auto Theft Statistics (Insurance Information Institute)
• Should I Buy a New or Used Car? (Allstate)