Truthfully, the best way to get the cheapest auto insurance rates is to start comparing prices regularly from insurers who sell auto insurance in Santa Ana. Rate comparisons can be done by following these steps.
- Try to comprehend how your policy works and the things you can change to prevent expensive coverage. Many rating criteria that result in higher rates such as speeding and a substandard credit history can be controlled by improving your driving habits or financial responsibility.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide prices from many different companies. Begin your rate comparison
- Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Santa Ana. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company to cancel your current coverage. Submit the signed application along with the required initial payment for the new coverage. Don't forget to keep your new certificate verifying proof of insurance somewhere easily accessible.
A key point to remember is that you'll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to get price quotes from as many car insurance companies as possible. This enables a fair price comparison and a complete price analysis.
A study showed that over 70% of California drivers kept their coverage with the same auto insurance company for over three years, and almost 40% of drivers have never shopped around. U.S. drivers can cut their rates by almost 47% a year by just comparing quotes, but they underestimate the amount of savings they would get if they moved their coverage to a different company.
How to find the cheapest Audi A5 insurance in Santa Ana, CA
Lowering your auto insurance rates is not a difficult process. All you need to do is take a few minutes comparing rates online with multiple companies.
Comparing rates online is fast and free, and it makes it obsolete to waste gas driving to each insurance agency near you. Comparing Audi A5 insurance rates online makes this unnecessary unless you have a complicated situation and need the extra assistance only provided by licensed agents. Although you can get prices online but buy from a local insurance agent.
The following companies can provide price comparisons in California. If multiple companies are shown, it's a good idea that you click on several of them in order to find the lowest rates.
Auto insurance policy discounts you can't miss
Insuring your vehicles can cost a lot, but there could be significant discounts that many consumers don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specifically requested in order for you to get them.
- Discount for Multiple Policies - If you can combine your auto and homeowners policy with one insurance company you will save 10% to 20% off each policy.
- Pay Early and Save - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
- Homeowners Savings - Just owning your own home can save a few bucks due to the fact that maintaining a home shows financial diligence.
- Anti-lock Brake Discount - Vehicles with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.
The illustration below visualizes the comparison of Audi A5 annual premium costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
Some of the insurance companies that have these money-saving discounts include:
It's a good idea to ask each insurance company the best way to save money. Some credits may not apply to policyholders in your state. If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts in Santa Ana, click here to view.
Detailed insurance information
The price information shown below outlines different policy rates for Audi A5 models. Learning how auto insurance policy rates are formulated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $300 | $616 | $424 | $26 | $128 | $1,494 | $125 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $300 | $616 | $424 | $26 | $128 | $1,494 | $125 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $300 | $698 | $424 | $26 | $128 | $1,576 | $131 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $300 | $698 | $424 | $26 | $128 | $1,576 | $131 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $300 | $698 | $424 | $26 | $128 | $1,576 | $131 |
| A5 2.0T Premium 2-Dr Convertible | $300 | $698 | $500 | $30 | $150 | $1,678 | $140 |
| A5 2.0T Premium Plus 2-Dr Convertible | $300 | $698 | $500 | $30 | $150 | $1,678 | $140 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $330 | $698 | $424 | $26 | $128 | $1,606 | $134 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $330 | $698 | $500 | $30 | $150 | $1,708 | $142 |
| A5 2.0T Prestige 2-Dr Convertible | $330 | $698 | $500 | $30 | $150 | $1,708 | $142 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $330 | $778 | $424 | $26 | $128 | $1,686 | $141 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific Santa Ana garaging location which can increase or decrease auto insurance rates substantially.
Can higher deductibles save money?
One of the most common car insurance questions is how high should your deductibles be. The premium rates below may help to illustrate the premium difference when you select higher and lower comp and collision deductibles. The first pricing table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 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 | $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 | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can alter premiums substantially.
We can estimate from the data above that using a $250 deductible costs approximately $43 more each month or $516 for a full year across all Audi A5 models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 17 months between claim filings, you would save more money if you choose the higher deductible. The table below shows the way this calculation is made.
| Average monthly premium for $250 deductibles: | $157 |
| Average monthly premium for $1,000 deductibles (subtract): | - $114 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The information below highlights how deductible choice and can change Audi A5 insurance costs for different age groups of insureds. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Insurance premiums for males and females
The diagram below visualizes the comparison of Audi A5 auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below shows the difference between Audi A5 insurance premiums when comparing full coverage to liability only. The rates are based on no violations or accidents, $500 deductibles, single status, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule of when to drop full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Audi A5 claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If premium cost is more than $400 annually for full coverage, then it may be the right time to buy liability only.
There are some situations where dropping physical damage coverage is not a good plan. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Learn How to Buy Insurance More Affordably
Consumers need to have an understanding of the rating factors that go into determining your premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could help you find lower insurance prices. Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving history, although others are not quite as obvious like your continuous coverage and annual miles driven.
Long commutes cost more - Driving a lot of miles in a year the higher your rates will be. The majority of insurers calculate rates based upon how much you drive. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. It's a smart idea to ensure your insurance coverage shows the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your A5 may be costing you higher rates.
Having a spouse is a bonus - Getting married can get you a discount on your insurance bill. Having a significant other translates into being more financially stable and statistics show married drivers get in fewer accidents.
Incidental coverages can waste money - Insurance companies have many optional add-on coverages that may not really be needed but may not be useful. Coverage for things like rental car coverage, accidental death, and extra life insurance coverage are some examples. They may sound like good ideas when discussing your needs, but your needs may have changed so get rid of them and save.
Your car's features help determine prices - Selecting a car model that has an advanced theft prevention system can get you a discount on your insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
Prevent policy lapses - Not having insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance could earn you fines or a revoked license.
Insurance loss data for Audi A5 vehicles - Car insurance companies use past loss statistics for each vehicle when setting rates for each model. Models that tend to have high amounts or severity of claims will have a higher cost to insure. The table shown below demonstrates the collected loss data for Audi A5 vehicles.
For each policy coverage, the loss probability for all vehicles averaged together is represented as 100. Values that are 100 or less are indicative of better than average losses, while values that are above 100 indicate frequent claims or an increased chance of a larger loss.
| Specific Audi Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi A5 2dr 4WD | 196 | 92 | 140 | 73 | 83 | 100 |
| Audi A5 Convertible 4WD | 147 | 73 | 140 | 56 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is available from your local insurance agencies
A lot of people prefer to have an agent's advice and doing so can bring peace of mind Good agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing insurance prices online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, your coverage information is immediately sent to agents in your area that can give you free Santa Ana car insurance quotes for your insurance coverage. There is no reason to do any legwork because quoted prices will be sent to the email address you provide. If you want to get a rate quote from a specific insurance company, feel free to visit that company's website and submit a quote form there.
Deciding on an provider needs to be determined by more than just a cheap price. Here are some questions you should ask.
- Will the agent help in case of a claim?
- Which members of your family are coverage by the policy?
- How is replacement cost determined on your vehicle?
- What discounts might you be missing?
- Do they get extra compensation for selling add-on coverages?
- Do they have a Better Business Bureau rating in Santa Ana?
- What insurance companies do they work with in Santa Ana?
Listed below are agents in Santa Ana who can help you get rate quotes for Audi A5 insurance in Santa Ana.
Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map
Allstate Insurance: Pacheco and Solorzano Insurance Agency
1525 17th St d - Santa Ana, CA 92705 - (714) 542-3585 - View Map
CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101 - View Map
Affordable insurance rates are available
As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest cost, not the least amount of coverage.
Lower-priced Audi A5 insurance in Santa Ana can be found on the web and with local Santa Ana insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not offer online quoting and many times these smaller companies provide coverage only through independent agents.
Helpful articles
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Rates for Safe Drivers in Santa Ana? (FAQ)
- What Car Insurance is Cheapest for Retired Military in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana? (FAQ)
- Who Has Affordable Car Insurance for 17 Year Olds in Santa Ana? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Property Damage Coverage (Liberty Mutual)