How long has it been since you sat down and looked for low-cost Audi A5 insurance in San Francisco? Did you make the mistake of buying overpriced Audi A5 insurance in San Francisco? Say no more because there are lots of San Francisco residents who feel the same.
A recent study showed that the vast majority of consumers kept their policy with the same company for over three years, and 38% of drivers have never taken the time to shop around. Many consumers in San Francisco could save almost 35% every year by just comparing quotes, but they don’t believe the actual amount they would save if they switch to a new company.
Steps to finding low-cost rates for Audi A5 insurance in San Francisco
The preferred way to find cheaper Audi A5 insurance is to start comparing rates regularly from providers in San Francisco. Drivers can shop around by following these guidelines.
First, it will benefit you to learn about car insurance and the changes you can make to prevent rate increases. Many factors that cause rate increases such as traffic tickets, fender benders, and an imperfect credit history can be eliminated by making minor changes in your lifestyle.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies. View rates
Third, compare the new rate quotes to the price on your current policy to see if cheaper A5 coverage is available. If you find better rates, ensure there is no coverage lapse between policies.
One piece of advice is to try to compare similar limits and deductibles on each quote request and and to look at every insurance company. This guarantees the most accurate price comparison and a thorough selection of prices.
Because you have many options for buying affordable insurance for an Audi A5 in San Francisco, it is hard for the average consumer to pick a more affordable car insurance provider.
Consumers should take time to compare prices as often as possible because car insurance rates change regularly. Even if you got the lowest rate on Audi A5 insurance in San Francisco a few years ago you may be paying too much now. Forget all the misinformation about car insurance because it’s time to teach you the only way to properly buy coverages and cut your premium.
Low Cost companies for Audi A5 insurance in California
The providers in the list below are ready to provide price comparisons in San Francisco, CA. If the list has multiple companies, we recommend you get price quotes from several of them to find the most competitive auto insurance rates.
Coverage statistics and figures
The coverage information shown below covers estimates of prices for Audi A5 models. Being more informed about how prices are formulated can aid in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $412 | $912 | $424 | $26 | $128 | $1,902 | $159 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $412 | $912 | $424 | $26 | $128 | $1,902 | $159 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $412 | $1032 | $424 | $26 | $128 | $2,022 | $169 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $412 | $1032 | $424 | $26 | $128 | $2,022 | $169 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $412 | $1032 | $424 | $26 | $128 | $2,022 | $169 |
| A5 2.0T Premium 2-Dr Convertible | $412 | $1032 | $500 | $30 | $150 | $2,124 | $177 |
| A5 2.0T Premium Plus 2-Dr Convertible | $412 | $1032 | $500 | $30 | $150 | $2,124 | $177 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $454 | $1032 | $424 | $26 | $128 | $2,064 | $172 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $454 | $1032 | $500 | $30 | $150 | $2,166 | $181 |
| A5 2.0T Prestige 2-Dr Convertible | $454 | $1032 | $500 | $30 | $150 | $2,166 | $181 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $454 | $1152 | $424 | $26 | $128 | $2,184 | $182 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific San Francisco garaging location which can revise auto insurance rates considerably.
Physical damage deductibles
A question often asked by San Francisco drivers is which comprehensive and collision deductibles to buy. The rates below summarize the rate fluctuation of buying low and high comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $478 | $932 | $376 | $22 | $112 | $1,945 | $162 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $478 | $932 | $376 | $22 | $112 | $1,945 | $162 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $478 | $1054 | $376 | $22 | $112 | $2,067 | $172 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $478 | $1054 | $376 | $22 | $112 | $2,067 | $172 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $478 | $1054 | $376 | $22 | $112 | $2,067 | $172 |
| A5 2.0T Premium 2-Dr Convertible | $478 | $1054 | $442 | $26 | $132 | $2,157 | $180 |
| A5 2.0T Premium Plus 2-Dr Convertible | $478 | $1054 | $442 | $26 | $132 | $2,157 | $180 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $528 | $1054 | $376 | $22 | $112 | $2,117 | $176 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| A5 2.0T Prestige 2-Dr Convertible | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $528 | $1176 | $376 | $22 | $112 | $2,239 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $266 | $556 | $376 | $22 | $112 | $1,332 | $111 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $266 | $556 | $376 | $22 | $112 | $1,332 | $111 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $266 | $556 | $376 | $22 | $112 | $1,332 | $111 |
| A5 2.0T Premium 2-Dr Convertible | $266 | $556 | $442 | $26 | $132 | $1,422 | $119 |
| A5 2.0T Premium Plus 2-Dr Convertible | $266 | $556 | $442 | $26 | $132 | $1,422 | $119 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $292 | $556 | $376 | $22 | $112 | $1,358 | $113 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| A5 2.0T Prestige 2-Dr Convertible | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $292 | $620 | $376 | $22 | $112 | $1,422 | $119 |
| 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, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates greatly.
We can estimate from the data above that using a $100 deductible would cost the average driver about $62 more each month or $744 every year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claims, you would probably come out ahead by selecting a higher deductible. The table below shows a better example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $176 |
| Average monthly premium for $1,000 deductibles (subtract): | – $114 |
| Monthly savings from raising deductible: | $62 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $62 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The diagram below shows how different deductible levels and can change Audi A5 insurance prices for different categories of driver ages. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.
Driving violations and accidents
The chart below highlights how traffic violations and fender-benders can impact Audi A5 yearly insurance costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.
Annual premiums for males compared to females
The information below shows the difference between Audi A5 premium costs for male and female drivers. The data is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Audi A5 insurance premiums with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no clear-cut rule for excluding physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Audi A5 claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your deductible. If it’s costing you more than $300 annually to have full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Save with these discounts
Some providers don’t necessarily list every discount they offer in a way that’s easy to find, so the below list has a few of the more well known and also the more inconspicuous auto insurance savings.
- Mature Driver Discount – Drivers over the age of 55 may receive lower premium rates.
- Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off the medical payments premium.
- Sign Online – A handful of insurance companies may give you up to $50 get San Francisco auto insurance on your computer.
- Active Military Service – Being on active duty in the military may lower your rates slightly.
- Discount for Home Ownership – Being a homeowner can get you a discount because maintaining a house requires a higher level of personal finance.
- Multiple Cars – Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
- Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts as much as 30%.
- Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
As is typical with insurance, many deductions do not apply to the whole policy. Some only apply to individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.
The information below visualizes the comparison of Audi A5 premium costs with and without some available policy discounts. The premiums are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.
A few companies that may have these discounts include:
When comparing rates, check with each company or agent which credits you are entitled to. Depending on the company, some discounts may not apply everywhere. To locate providers with significant discounts in California, click this link.
Insurance is unique, just like you
When it comes to adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.
- Do I need added coverage for expensive stereo equipment?
- Is there coverage for my trailer?
- Who is covered when they drive my Audi A5?
- When can my company non-renew my policy?
- Am I covered if I have no license?
- Why am I required to buy high-risk coverage?
- Do I need PIP (personal injury protection) coverage in California?
- Do I need motorclub coverage?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Compare rates but buy from a local neighborhood San Francisco car insurance agent
Some people would prefer to go talk to an agent and that is not a bad decision A good thing about price shopping on the web is that you can obtain better rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is definitely important in San Francisco.
To find an agent, once you fill out this simple form, your information gets sent to agents in your area who will give competitive quotes for your coverage. There is no need to drive around because quoted prices will be sent straight to your inbox. You can find the lowest rates without requiring a lot of work. If for some reason you want to get a comparison quote from a particular provider, you would need to visit that company’s website and submit a quote form there.
Do you need an independent or exclusive auto insurance agent?
If you want to buy insurance from a reputable agency, it can be helpful to understand the different types of agencies and how they are slightly different. Agencies in San Francisco may be either independent or exclusive.
Independent Insurance Agents
Agents that choose to be independent can quote rates with many companies so they can write business through many companies and get you the best rates possible. If your premiums go up, your policy is moved internally which makes it simple for you. If you are comparing insurance prices, it’s recommended you contact several independent insurance agents in order to compare the most rates.
Below is a small list of independent insurance agents in San Francisco that can give you price quote information.
Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136 – View Map
Jessica Liu Insurance Services
3428 Balboa St – San Francisco, CA 94121 – (415) 386-2283 – View Map
John A. Morton Insurance Agency
3372 22nd St – San Francisco, CA 94110 – (415) 282-5888 – View Map
Exclusive Agents
Exclusive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company’s products and that can be a competitive advantage.
Shown below is a list of exclusive insurance agents in San Francisco willing to provide comparison quotes.
Anita M Merrihew – State Farm Insurance Agent
3801 3rd St #585 – San Francisco, CA 94124 – (415) 285-2021 – View Map
Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400 – View Map
Jake Ng – State Farm Insurance Agent
1643 Noriega St – San Francisco, CA 94122 – (415) 564-0333 – View Map
Finding the right car insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:
- Do they have cheaper tiers of coverage?
- Is there a 24/7 contact number?
- How much will you save each year by using a higher deductible?
- Is the agency active in community causes in San Francisco?
- Do they receive special compensation for putting your coverage with one company over another?
- Will the quote change when the policy is issued?
The best rates come from being thorough
As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are too many instances where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.
In this article, we presented quite a bit of information on how to lower your Audi A5 insurance car insurance rates in San Francisco. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best car insurance rates are with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
Some auto insurance companies don’t offer price quotes online and usually these regional insurance providers only sell through independent agents. Cost effective Audi A5 insurance is possible both online and also from your neighborhood San Francisco agents, so compare prices from both to have the best chance of lowering rates.
How to find cheaper quotes for Audi A5 insurance in San Francisco
To save the most money, the best way to find the cheapest price for Audi A5 insurance in San Francisco is to make a habit of comparing prices annually from providers who sell insurance in California.
- Try to learn a little about how companies price auto insurance and the measures you can take to keep rates low. Many risk factors that cause rate increases such as accidents, traffic tickets, and poor credit can be rectified by making lifestyle changes or driving safer.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote prices for a wide range of companies.
- Compare the new rates to your current policy to see if cheaper A5 coverage is available in San Francisco. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
An important part of this process is that you’ll want to compare the same liability limits and deductibles on every quote and and to get price quotes from as many companies as feasibly possible. This provides a level playing field and and a good selection of different prices.
More information can be found at these links:
- Understanding Car Crashes Video (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Toyota Tacoma in San Francisco? (FAQ)
- How Much is San Francisco Auto Insurance for 16 Year Olds? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)