2010 Audi A5 Car Insurance Quotes – 9 Tricks for Best Rates

Searching for the most affordable auto insurance on the internet may be somewhat difficult for consumers new to buying insurance on the web. With a ridiculous number of companies competing online, how can consumers even start to compare the different rates to find the best available rates?

You should make it a habit to compare prices yearly since rates go up and down regularly. Even if you think you had the best deal on A5 insurance last year there is a good chance you can find better rates now. So forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Although consumers can benefit from knowing how big insurance companies compete online and use this information to your advantage.

How to Compare Auto Insurance Quotes

There are several ways you can shop for Audi A5 auto insurance but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use online quoting to get rates in a matter of minutes.

Most of the larger companies participate in an industry program that allows shoppers to submit their information once, and each company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions for every auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to doing it this way is buyers cannot specifically choose which providers you will receive quotes from. If you would rather choose from a list of companies to compare, we have a page of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, make absolute certain that you use exactly the same coverages and limits with each company. If you compare mixed coverages it’s impossible to make a fair comparison for your Audi A5. Just a small difference in coverages may result in large price differences. Just keep in mind that getting more free quotes provides better odds of finding a lower rate.

Cut your car insurance rates with these nine discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before being credited.

  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Low Mileage – Keeping the miles down on your Audi can qualify you for a substantially lower rate.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Accident Waiver – A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Defensive Driver – Taking a course in driver safety could save 5% or more depending on where you live.
  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of coverage.

A partial list of companies that may offer some of the above discounts include:

Double check with each insurance company what discounts are available to you. Discounts might not be offered in every state.

You are unique and your insurance coverage should be too

When buying adequate coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • Do I really need UM/UIM coverage?
  • What is the ISO rating for a 2010 Audi A5?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Specific coverage details

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for hospital visits, doctor visits, ambulance fees and EMT expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

A penny earned…

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Consumers leave their current company for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, policy cancellation and questionable increases in premium. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We’ve covered some good ideas how you can get a better price on 2010 Audi A5 insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with an unexpected company.

To learn more, take a look at the resources below: