Save Money on Audi Q5 Insurance in Long Beach

Surprisingly, a recent survey revealed that most car insurance policyholders kept their policy with the same company for over three years, and just short of a majority have never compared rates to find cheap insurance. Many drivers in Long Beach could save themselves 35% a year by just comparing rate quotes, but they just don’t understand how much savings they would realize if they moved their coverage to a different company.

If saving money is your primary concern, then the best way to find cheaper car insurance rates in Long Beach is to start doing an annual price comparison from insurance carriers that sell auto insurance in California. Rates can be compared by completing these steps.

Step 1: Spend some time learning about how auto insurance works and the measures you can control to keep rates in check. Many factors that are responsible for high rates like accidents, careless driving, and an imperfect credit history can be controlled by being financially responsible and driving safely. Read the full article for ideas to find cheap prices and get additional discounts that may be available.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes for many different companies.

Step 3: Compare the new rates to your current policy and determine if cheaper Q5 coverage is available. If you find a lower rate, ensure there is no coverage lapse between policies.

Step 4: Notify your company or agent of your intention to cancel your current policy. Submit the completed application along with a down payment for the new policy. Immediately keep your new certificate verifying coverage along with the vehicle’s registration papers.

One key aspect when comparing rates is that you use identical limits and deductibles on every quote request and and to compare every company you can. Doing this provides an apples-to-apples comparison and a complete price analysis.

The are a couple different ways to compare rate quotes from companies that offer insurance in California. The fastest way to find cheaper Audi Q5 rates is to use the internet to compare rates. Just remember that comparing more prices provides better odds of finding the best price.

The following companies are our best choices to provide free quotes in Long Beach, CA. If you want to find cheap auto insurance in California, it’s a good idea that you compare several of them to get a more complete price comparison.

Get discounts to get affordable Long Beach car insurance quotes

Some insurers don’t necessarily list every possible discount in a way that’s easy to find, so below is a list both well-publicized and also the more inconspicuous credits available to bring down your rates.

• Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% than their less cautious counterparts.
• New Car Discount – Insuring a new Q5 can save you some money since newer models have better safety ratings.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• ABS Brakes – Cars with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
• Telematics Data Discounts – Drivers that enable data collection to spy on vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
• Low Miles Discount – Driving fewer miles can qualify you for better prices on cars that stay parked.
• Early Switch Discount – Some car insurance companies provide a discount for renewing your policy before your current expiration date. You could save around 10% when you buy Long Beach car insurance online.
• Accident Waiver – This isn’t a discount exactly, but some companies like Allstate, Progressive, and GEICO may permit one accident before they charge you more for coverage if you have no claims prior to the accident.

One last thing about discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The chart below illustrates the comparison of Audi Q5 car insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

To see a list of providers with significant discounts in California, click here.

Audi Q5 insurance analysis

The price information displayed next highlights a range of insurance premium costs for Audi Q5 models. Learning a little about how policy premiums are figured is important to be able to make informed coverage decisions.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can alter prices considerably.

Physical damage deductible comparison

When comparing insurance rates, the most common question is which deductibles should you choose. The comparison tables below may help to illustrate the price difference between low and high deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in Long Beach location which can revise coverage rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $40 more each month or $480 every year averaged for all Q5 models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 19 months between claim filings, you would come out ahead if you choose a higher deductible.

The illustration below illustrates how your choice of deductibles and can impact Audi Q5 insurance prices for different age groups of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Poor driving habits will raise your insurance rates

The information below demonstrates how citations and at-fault accidents increase Audi Q5 insurance premiums for different age groups of insureds. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

How Insurance Providers Calculate Audi Q5 Insurance Prices

Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are more obscure like where you live and annual miles driven.

Shown below are some of the factors utilized by car insurance companies to help set your rate level.

• How many coverages with the same company – Most larger auto insurance companies will give better rates to buyers that buy multiple policies in the form of a multi-policy discount. Even with this discount applied, drivers will still want to compare other company rates to make sure you are getting the best deal.
• Better premiums on vehicles with better crash test results – Vehicles with good safety scores are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates means your insurance company pays less and lower rates for you. If your Audi Q5 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

• Younger driver insurance premiums – Beginning drivers in California tend to be easily distracted when driving so they pay higher auto insurance rates. Parents adding a young driver to your auto insurance policy can really hurt. More mature drivers are shown to be more cautious, tend to cause fewer accidents, and tend to be get fewer driving tickets.

  The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Safeguard your assets with liability insurance – The liability section of your policy will afford coverage in the event that you are determined to be liable for damages from an accident. This coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.

• Audi Q5 claim data – Car insurance companies include the past claim history for a vehicle when they set coverage costs for each model. Vehicles that statistically have higher number or severity of losses will have a higher cost to insure. The table shown below demonstrates the insurance loss data for Audi Q5 vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, equals 100. Numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more frequent losses or statistically larger losses.

  
  

  Car Insurance Loss Data for Audi Q5 Models

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi Q5 4dr 4WD	143	96	110	61	55	78
  Audi Q5 Hybrid 4dr 4WD	156		165

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Buying car insurance from Long Beach insurance agencies

Many drivers just prefer to go talk to an agent and that can be a great decision An additional benefit of getting online price quotes is the fact that you can find lower rates but also keep your business local.

For easy comparison, once you complete this short form, your insurance data is sent to participating agents in Long Beach who will give competitive quotes for your insurance coverage. There is no need to find an agent on your own because prices are sent to you directly. You can find better rates without requiring a lot of work. If you have a need to compare rates from a specific car insurance provider, you can always navigate to their website and fill out their quote form.

Deciding on a company shouldn’t rely on just the bottom line cost. These are valid questions to ask:

• Which company do they place the most coverage with?
• Can you choose the body shop in case repairs are needed?
• How are they compensated?
• How experienced are they in personal risk management?
• Will your rates increase after a single accident?
• Is there a Errors and Omissions policy in force?
• Are they able to provide referrals?
• Do you need full coverage on every vehicle?

If you are wanting to find a local agent, it’s important to understand the different agency structures from which to choose. Agents in Long Beach can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents in the exclusive channel can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. They are well trained on their company’s products which helps them sell insurance even at higher premiums. A lot of people choose to use a exclusive agent mainly due to loyalty to the company rather than having low rates.

Shown below is a short list of exclusive agencies in Long Beach who may provide you with comparison quotes.

• Farmers Insurance – Susan Rios
  3450 E Spring St #214 – Long Beach, CA 90806 – (562) 988-5700 – View Map
• Sonny Anderson – State Farm Insurance Agent
  4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 – View Map
• Von Arx, Jason – Farmers Insurance
  400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801 – View Map

More insurance agents

Independent Car Insurance Agents

Independent insurance agents do not have single company limitations and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. If prices rise, your agent can switch companies and you don’t have to do anything.

If you are comparing rate quotes, you definitely need to compare quotes from independent agents for the best price selection. Many can place coverage with different regional companies that may provide cheaper car insurance rates.

The following are independent agencies in Long Beach who can help you get rate quotes.

• Nationwide Insurance: Caiquo Insurance Agency
  4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
• Priscilla Vallejos Insurance Agency
  2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
• Amico Insurance Agency Inc.
  100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map

More insurance agents

Auto insurance can get complicated

When selecting the right insurance coverage, there really isn’t a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that.
These are some specific questions can aid in determining if your insurance needs may require specific advice.

• Is my camper covered for physical damage?
• What if I total my Audi Q5 and owe more than it’s worth?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage if my license is suspended?
• Is there coverage for injuries to my pets?
• What is the ISO rating for a Audi Q5?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

A little work can save a LOT of money

Cheap Audi Q5 insurance in Long Beach is possible both online as well as from independent agents in Long Beach, so you need to quote Long Beach car insurance with both to have the best selection. Some insurance companies do not provide rates over the internet and most of the time these regional carriers only sell coverage through independent insurance agents.

As you quote Long Beach car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price.

We covered many tips how you can find affordable Audi Q5 insurance in Long Beach. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest prices are with an unexpected company. These companies often have lower rates on specific markets compared to the large companies like Progressive or GEICO.

More tips and info about insurance is available in these articles:

• Anti-Lock Brake FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Rates for a Honda Pilot in Long Beach? (FAQ)
• What Insurance is Cheapest for a Nissan Rogue in Long Beach? (FAQ)
• How Much are Long Beach Auto Insurance Rates for a Learners Permit? (FAQ)
• Who Has Cheap Long Beach Car Insurance for Handicapped Drivers? (FAQ)
• Collision Coverage (Liberty Mutual)
• Auto Insurance FAQ (Farmers Insurance)