Inconceivable but true, most insurance buyers in California kept their coverage with the same insurance company for four years or more, and nearly the majority have never compared rate quotes at all. U.S. insurance shoppers could cut their rates by as much as $860 a year, but they just feel it’s too hard to find affordable insurance rates.
Really, the only way to get low-cost car insurance rates in Chula Vista is to start comparing prices yearly from different companies in California. Rate comparisons can be done by following these guidelines.
- Step 1: Spend some time learning about how companies set rates and the things you can change to keep rates low. Many rating criteria that increase rates such as accidents, careless driving, and an unacceptable credit history can be remedied by making minor changes in your lifestyle.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple companies. Find a Chula Vista insurance agent
- Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
- Step 4: Tell your current agent or company of your decision to cancel your current auto insurance policy. Submit a completed application and payment for the new coverage. Make sure you store the proof of insurance certificate with the vehicle registration.
An important bit of advice to remember is to use the same coverage limits and deductibles on every quote request and to quote with as many companies as you can. This guarantees the most accurate price comparison and the best price selection.
When shopping for Audi A5 insurance in Chula Vista there are multiple ways to compare prices from many different California insurance companies. The easiest way to find affordable Audi A5 insurance rates consists of shopping online. When comparing car insurance rates, know that making a lot of price comparisons gives you a better chance of getting a better price.
The car insurance companies shown below offer quotes in Chula Vista, CA. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.
Choosing vehicle insurance is an important decision
Despite the potentially high cost of Audi A5 insurance, buying car insurance is not optional due to several reasons.
- The majority of states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to be legal. 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 took out a loan on your vehicle, almost every bank will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Audi at a significantly higher premium and force you to pay much more than you were paying before.
- Insurance safeguards both your Audi A5 and your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. As of last year, the average driver in California is wasting up to $800 each year so you should quote rates at least once a year to save money.
Audi A5 coverage analysis
The coverage information below outlines a range of prices for Audi A5 models. Being aware of how policy premiums are formulated is important for making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $458 | $1052 | $488 | $28 | $146 | $2,172 | $181 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $458 | $1052 | $488 | $28 | $146 | $2,172 | $181 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $458 | $1190 | $488 | $28 | $146 | $2,310 | $193 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $458 | $1190 | $488 | $28 | $146 | $2,310 | $193 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $458 | $1190 | $488 | $28 | $146 | $2,310 | $193 |
| A5 2.0T Premium 2-Dr Convertible | $458 | $1190 | $574 | $34 | $172 | $2,428 | $202 |
| A5 2.0T Premium Plus 2-Dr Convertible | $458 | $1190 | $574 | $34 | $172 | $2,428 | $202 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $506 | $1190 | $488 | $28 | $146 | $2,358 | $197 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $506 | $1190 | $574 | $34 | $172 | $2,476 | $206 |
| A5 2.0T Prestige 2-Dr Convertible | $506 | $1190 | $574 | $34 | $172 | $2,476 | $206 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $506 | $1330 | $488 | $28 | $146 | $2,498 | $208 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can influence rates substantially.
Policy deductibles
One frequently asked question is at what level do you set your deductibles. The figures shown below help summarize the cost difference when you select higher and lower coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $430 | $882 | $376 | $22 | $112 | $1,847 | $154 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $430 | $882 | $376 | $22 | $112 | $1,847 | $154 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $430 | $882 | $376 | $22 | $112 | $1,847 | $154 |
| A5 2.0T Premium 2-Dr Convertible | $430 | $882 | $442 | $26 | $132 | $1,937 | $161 |
| A5 2.0T Premium Plus 2-Dr Convertible | $430 | $882 | $442 | $26 | $132 | $1,937 | $161 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $474 | $882 | $376 | $22 | $112 | $1,891 | $158 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| A5 2.0T Prestige 2-Dr Convertible | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $474 | $986 | $376 | $22 | $112 | $1,995 | $166 |
| 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 | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $348 | $712 | $376 | $22 | $112 | $1,570 | $131 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $348 | $712 | $376 | $22 | $112 | $1,570 | $131 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $348 | $712 | $376 | $22 | $112 | $1,570 | $131 |
| A5 2.0T Premium 2-Dr Convertible | $348 | $712 | $442 | $26 | $132 | $1,660 | $138 |
| A5 2.0T Premium Plus 2-Dr Convertible | $348 | $712 | $442 | $26 | $132 | $1,660 | $138 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $384 | $712 | $376 | $22 | $112 | $1,606 | $134 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| A5 2.0T Prestige 2-Dr Convertible | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $384 | $794 | $376 | $22 | $112 | $1,688 | $141 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific zip code location which can revise premiums significantly.
We can derive from the above data that using a $250 deductible will cost you roughly $23 more each month or $276 for a full year than buying the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 11 months between claims, you would probably come out ahead by selecting a higher deductible.
The illustration below illustrates how your deductible choice and can change Audi A5 insurance prices for different age groups of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Careless Chula Vista drivers pay higher rates
The chart below demonstrates how citations and at-fault collisions increase Audi A5 annual premium costs for different age groups. The premiums are based on a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Gender-based insurance rates
The diagram below illustrates the comparison of Audi A5 annual premium costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no discounts are factored in.
Determine discounts on Chula Vista insurance
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can dramatically reduce your bill. A few discounts will automatically apply at quote time, but some need to be specifically requested before being credited.
- Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
- Professional Organizations – Joining qualifying employment or professional organizations could qualify you for a break on insurance.
- Discount for Life Insurance – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
- Cautious Drivers – Insureds without accidents can save up to 40% or more on their Chula Vista auto insurance quote as compared to drivers with claims.
- Claim Free – Insureds with no claims or accidents can earn big discounts when compared to drivers with a long claim history.
- Discount for Good Grades – Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Service Members Pay Less – Having an actively deployed family member could be rewarded with lower prices.
- Distant College Student Discount – Youth drivers who live away from home at college and don’t have a car may qualify for this discount.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Discounts save money, but please remember that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you’re out of luck.
The information below shows the difference between Audi A5 insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, claim-free, and marriage discounts applied.
Companies that may offer some of the discounts shown above include:
If you need the cheapest Audi A5 rate quotes, ask every insurance company what discounts are available to you. A few discounts might not apply in Chula Vista. If you would like to choose from a list of companies who offer insurance discounts in Chula Vista, click this link.
Buying from insurance agents
A lot of people still like to have an agent’s advice and doing that can be a smart decision One of the best bonuses of getting free rate quotes online is the fact that drivers can get the lowest rates and still buy from a local agent. Putting coverage with local agencies is still important in Chula Vista.
After completing this short form, your insurance data gets sent to local insurance agents in Chula Vista that give free quotes for your insurance coverage. You won’t even need to find an agent on your own because prices are sent immediately to your email address. You can find lower rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific company, don’t hesitate to search and find their rate quote page and complete a quote there.
Shown below are Chula Vista car insurance companies that are able to give comparison quotes for Audi A5 insurance in Chula Vista.
- Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200 – View Map - California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map - GEICO Insurance Agent
386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map - Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037 – View Map
Picking an provider requires you to look at more than just a cheap price quote. Get answers to these questions too.
- If you are a high risk driver, do they have special markets for your coverage?
- Do they specialize in personal lines coverage in Chula Vista?
- Will you get a loaner vehicle if you car is being repaired?
- Who are their largest clients?
- What company holds the largest book of business for them?
Your auto insurance coverage should be tailored to you
When it comes to buying your policy for your vehicles, there is no best way to insure your cars. Your situation is unique so your insurance should reflect that
For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.
- If my Audi A5 is totaled, can I afford another vehicle?
- What is no-fault insurance?
- Do I need higher collision deductibles?
- How many claims can I have before being canceled?
- Is there coverage for my trailer?
- Do I need rental car coverage?
- Who does medical payments coverage extend to?
- Am I covered if I back into my garage door?
If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Cheaper insurance rates are out there
In this article, we presented quite a bit of information on how to shop for Audi A5 insurance online. The key concept to understand is the more you quote Chula Vista auto insurance, the better chance you’ll have of finding cheaper Chula Vista auto insurance quotes. You may even find the best price on insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give better rates compared to the large companies like Progressive and GEICO.
Lower-priced insurance in Chula Vista can be bought online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not have the ability to get quotes online and many times these smaller providers prefer to sell through local independent agents.
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price, but do not skimp to save money.
More resources
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Cheap Chula Vista Auto Insurance for a Honda Civic? (FAQ)
- How Much are Chula Vista Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota Camry in Chula Vista? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)