Compare Audi A8 Insurance Quotes in Santa Ana

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It's shocking but most auto insurance customers kept their policy with the same company for more than four years, and almost half have never taken the time to shop around. Most drivers in Santa Ana can save hundreds of dollars each year by just comparing quotes, but they don't want to spend time to find cheaper rates by getting comparison quotes.

Insurance for Audi A8If you want to find the absolute lowest rates, then the best way to find lower priced Audi A8 insurance in Santa Ana is to compare quotes once a year from insurance carriers who provide auto insurance in California. You can compare rates by following these steps.

Step 1: Try to understand what coverages are included in your policy and the measures you can control to prevent high rates. Many rating criteria that increase rates such as traffic violations, accidents, and a negative credit score can be remedied by making minor changes in your lifestyle.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of companies.

Step 3: Compare the price quotes to your existing coverage to determine if you can save on A8 insurance in Santa Ana. If you can save some money and change companies, make sure there is no lapse in coverage.

One bit of advice is to try to use the same level of coverage on each price quote and and to get price quotes from as many car insurance companies as possible. This enables a level playing field and plenty of rates choose from.

All the larger car insurance companies such as Allstate and Progressive provide pricing direct online. Doing online price comparisons for Audi A8 insurance in Santa Ana is fairly straightforward as you simply type in the coverages you want on the page. When the form is submitted, their quoting system will order information on your driving record and credit history and generates a price based on the data you entered. The ability to get online rates for Audi A8 insurance in Santa Ana streamlines rate comparisons, and it is important to do this in order to get the cheapest price on car insurance.

To find out what other companies charge, compare rate quotes from the providers shown below. To compare your current rates, we recommend you enter the limits and deductibles as close as possible to your current policy. This guarantees you will have a rate comparison based on the exact same insurance coverage.

The car insurance companies shown below are our best choices to provide free rate quotes in Santa Ana, CA. If multiple companies are shown, it's highly recommended you get prices from several of them in order to find the lowest rates.

Get cheaper rates by taking advantage of discounts

Not too many consumers would say insurance is affordable, but there may be some discounts to reduce the price significantly. Certain reductions will be credited at the time of purchase, but less common discounts must be requested specifically before you will receive the discount. If you do not double check each discount possible, you're paying more than you need to.Discount insurance

  • Drivers Education - Require your teen driver to successfully take a driver's education course as it will make them better drivers and lower rates.
  • Payment Method - By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
  • Cautious Drivers - Accident-free drivers can save as much as half off their rates than less cautious drivers.
  • Accident Free - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Government Employee Discount - Simply working for the federal government may reduce rates when you quote Santa Ana car insurance depending on your insurance provider.
  • Distant Student - Older children living away from Santa Ana attending college and do not have access to a covered vehicle can receive lower rates.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, that's just not realistic.

The illustration below compares Audi A8 annual premium costs with and without policy discounts. The information is based on a female driver, no claims, a clean driving record, 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 homeowner, claim-free, marriage, multi-policy, safe-driver, and multi-car discounts applied.

Companies and the discounts they provide are included below.

  • American Family has savings for early bird, good student, bundled insurance, Steer into Savings, accident-free, and TimeAway discount.
  • Nationwide discounts include good student, defensive driving, business or organization, Farm Bureau membership, and multi-policy.
  • MetLife offers premium reductions for good student, claim-free, multi-policy, good driver, defensive driver, accident-free
  • 21st Century includes discounts for defensive driver, air bags, student driver, good student, anti-lock brakes, homeowners, and automatic seat belts.
  • Farmers Insurance has discounts for homeowner, alternative fuel, electronic funds transfer, business and professional, distant student, early shopping, and good student.
  • Allstate offers discounts including FullPay discount, good payer, good student, premier plus, utility vehicle, and 55 and retired.

Before buying, ask each insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies in your state. If you would like to see a list of insurance companies that offer multiple discounts in Santa Ana, click this link.

Audi A8 insurance analysis

The rate table displayed next highlights different insurance costs for Audi A8 models. Learning a little about how insurance quotes are established helps drivers make smart choices when selecting a coverage provider.

Audi A8 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $518 $986 $442 $26 $132 $2,104 $175
A8 4.2L Quattro 4-Dr Sedan $562 $1088 $442 $26 $132 $2,250 $188
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle location which can modify price quotes noticeably.

Comparison of policy deductibles

When shopping for auto insurance, a common question is which deductible level should you buy. The tables below highlight the rate difference between high and low coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Audi A8 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $518 $986 $442 $26 $132 $2,129 $177
A8 4.2L Quattro 4-Dr Sedan $562 $1088 $442 $26 $132 $2,275 $190
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Audi A8 insurance with $500 deductibles
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
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in garaging location in Santa Ana which can modify premiums significantly.

Based on the above data, using a $250 deductible costs approximately $28 more each month or $336 annually than opting for 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 go more than 9 months between claim filings, you would come out ahead going with the higher deductible.

Cost comparison with and without full coverage

The illustration below compares Audi A8 insurance prices with liability coverage only compared to full coverage. The data assumes no violations or accidents, $1,000 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no specific rule that is best for determining when to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Audi A8 claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the policy deductible has been paid. If premium cost is more than $800 annually for full coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Local Santa Ana auto insurance agents

Many drivers just prefer to get advice from a local agent and there is nothing wrong with that. Agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing auto insurance online is that you can find cheap auto insurance rates and still have a local agent. Putting coverage with local agencies is still important in Santa Ana.

Find insurance agent in Santa AnaAfter completing this short form, the coverage information is immediately sent to participating agents in Santa Ana that can give you free Santa Ana car insurance quotes to get your business. There is no reason to search for any insurance agencies as quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from one company in particular, you can always jump over to their website and complete a quote there.

Pick the best auto insurance agent in Santa Ana for you

When finding a reliable insurance agent, there are two different types of agents and how they function. Insurance agencies in Santa Ana are classified as either exclusive or independent. Both can handle auto insurance, but it is important to understand the difference in the companies they write for because it can influence your agent selection.

Independent Agents (or Brokers)

Independent insurance agents can quote rates with many companies so they can insure your vehicles through lots of different companies and find the cheapest auto insurance rates. If they quote lower rates, they simply move your policy to a different company which is easy for the insured.

When comparing rates, we recommend you get several quotes from several independent insurance agents to have the best price comparison.

Listed below is a partial list of independent insurance agents in Santa Ana that may be able to give free auto insurance quotes.

Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map

Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map

4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map

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Exclusive Auto Insurance Agencies

Agents of this type are contracted to one company such as Farmers Insurance and State Farm. They usually cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well on what they offer and that enables them to sell even at higher rates.

The following is a short list of exclusive agents in Santa Ana willing to provide rate quotes.

415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map

117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map

3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map

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Picking the best auto insurance agent requires more thought than just a cheap price. These are some questions your agent should answer.

  • If you are a high risk driver, do they have special markets for your coverage?
  • What company do they have the most business with?
  • Do they have a Better Business Bureau rating in Santa Ana?
  • When do they do policy reviews?
  • Is auto insurance their primary focus in Santa Ana?
  • Will your rates increase after a single accident?
  • Will a damage claim use OEM or aftermarket replacement parts?

When in doubt talk to an agent

Always keep in mind that when comparing your policy, there isn't really a one size fits all plan. Every situation is different.Drive safe and save

These are some specific questions can help discover if your situation may require specific advice.

  • When should I not file a claim?
  • Am I covered when driving on a suspended license?
  • Do I need special coverage while pulling a rented trailer?
  • Where can I find high-risk insurance?
  • Do I have coverage if I rent a car in Mexico?
  • Why am I required to buy liability insurance?

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

How Car Insurance Companies Calculate Audi A8 Insurance Rates

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are more obscure such as your marital status or how safe your car is. Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. When you understand what determines premiums, this enables you to make decisions that may result in better auto insurance rates.

The itemized list below are some of the most rate-impacting factors used by your company to calculate prices.

  • Drive less and save - Driving a lot of miles in a year's time the more you'll pay to insure it. Most companies charge rates based on how the vehicle is used. Vehicles used primarily for pleasure use receive better premium rates than cars that get driven a lot. Incorrect rating for your A8 may be costing you. Double check that your vehicle rating is rated on how each vehicle is driven.
  • Incidental coverages you don't need - There are many extra bells and whistles that may not really be needed but may not be useful. Coverages for replacement cost coverage, death and dismemberment, and extra equipment coverage may be costing you every month. These coverages may sound good when buying your policy, but if you don't need them think about removing them and cutting costs.
  • Use one insurance company and save - Many auto insurance companies provide a discount for people who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you qualify for this discount already, it's still a good idea to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can save even more than the discount by buying insurance from more than one company.
  • More performance means higher prices - The type of vehicle you need to insure makes a big difference in your car insurance bill. The most favorable rates are usually for economy passenger vehicles, but other factors influence the final cost greatly.

    The next chart is based on a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Audi A8 insurance premiums compared to other models of vehicles that have different risk factors.

  • Never have auto insurance policy lapses - Having a gap between insurance policy dates is a fast way to bump up your auto insurance costs. In addition to paying higher rates, being ticketed for driving with no insurance will get you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the California DMV.
  • Getting married pays dividends - Having a spouse actually saves money on your auto insurance policy. Marriage may mean you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Raise your deductibles for better costs - Physical damage deductibles tell how much the insured will be required to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims are rear-ending another vehicle, damage caused by hail, and having a roll-over accident. The higher the amount you're willing to pay, the lower your rates will be.
  • Vehicles with better crash test results cost less to insure - Safe vehicles can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and cheaper rates on your policy.
  • Insurance loss statistics an Audi A8 - Insurance companies factor in historical loss data when setting premium rates. Vehicles that statistically have a trend towards higher claim severity or frequency will have higher rates for specific coverages.

    The next table illustrates the historical loss data for Audi A8 vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Values below 100 represent a good loss history, while values over 100 indicate frequent claims or statistically larger losses.

    Audi A8 Insurance Loss Statistics
    Specific Audi 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
    Statistics from for 2013-2015 Model Years

Why you need quality insurance for your Audi A8

Despite the fact that car insurance is not cheap in Santa Ana, insuring your vehicle is not optional due to several reasons.

First, most states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts 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.

Second, if you have a lien on your Audi A8, almost all lenders will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Audi at a significantly higher premium and make you pay the higher price.

Third, car insurance protects not only your vehicle but also your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver is overpaying over $750 every year so it's very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

California auto insurance company ratings

Picking the right auto insurance company can be difficult considering how many companies there are in Santa Ana. The company rank data shown below could help you analyze which car insurance providers to look at when comparing rate quotes.

Top Auto Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Persistence will pay off

When shopping online for auto insurance, it's very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Lower-priced auto insurance in Santa Ana can be found both online and with local Santa Ana insurance agents, so you need to quote Santa Ana car insurance with both to have the best selection. Some insurance providers don't offer rates over the internet and these smaller companies prefer to sell through independent agents.

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, questionable increases in premium, high rates after DUI convictions and lack of trust in their agent. It doesn't matter what your reason, finding a new auto insurance company is easier than you think.

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