Cheap 2015 Audi A5 Car Insurance Quotes

Searching for the cheapest car insurance rates for your Audi A5? Locating the cheapest insurance for a new or used Audi A5 could be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to find car insurance online so you’re going to learn the best way to price shop coverage for a new or used Audi and locate the cheapest rates either online or from local insurance agents.

It’s a good habit to do rate comparisons occasionally since insurance rates are adjusted regularly by insurance companies. Just because you found the best rates on A5 coverage last year a different company probably has better rates today. There is a lot of bad advice regarding car insurance on the internet, so by reading this article, you’re going to learn the best ways to stop overpaying for insurance.

Locating the best protection is easy if you know what you’re doing. If you are insured now or need a new policy, you can learn to cut your premiums while maintaining coverages. Drivers only need to know the best way to compare price quotes on the web.

How to Compare Insurance Costs

Finding a lower price on 2015 Audi A5 insurance isn’t really that difficult. Drivers just need to take time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method eliminates the need for separate forms for every insurance company. Just one form gets rate comparisons from insurance companies with the best prices.It’s the quickest way to get rates.
  2. A different way to get quotes online consists of visiting each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Progressive, 21st Century and Liberty Mutual. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits for every quote you compare. If you have higher or lower deductibles you will not be able to make an equal comparison.

Discounts are basically free money

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but a few must be inquired about before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on A5 coverage than their less cautious counterparts.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance on A5 coverage.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on A5 coverage with select insurance companies.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on A5 coverage.

It’s important to note that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

A partial list of companies that possibly offer these benefits include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

Which insurance is the “right” coverage?

When buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions may help highlight if you might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • What is no-fault insurance?
  • What discounts do I qualify for?
  • When does my teenage driver need to be added to my policy?
  • What is an SR-22 filing?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Factors that might impact rates for an Audi A5

Consumers need to have an understanding of the factors that go into determining your insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, protects your Audi from damage. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and burglary. The deductibles are the amount of money you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on A5 coverage.
  • More than one policy can earn a discount – Most insurers will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to ensure the best deal.
  • Rural vs Urban Areas – Choosing to live in a small town can save you money when buying insurance. Fewer drivers translates into fewer accidents. Drivers in populated areas tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Save money with special equipment – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Liability coverage is peace of mind – Liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. They both have accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Extra coverages can waste money – There are a lot of additional coverages that you can buy when buying insurance. Things like rental car reimbursement, towing coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them remove them from your policy.

The coverage is in the details

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like EMT expenses, surgery, dental work and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your A5 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Audi A5.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Final thoughts

When you buy insurance online, do not reduce coverage to reduce premium. In too many instances, an insured cut collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

The cheapest 2015 Audi A5 insurance can be bought online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, not issuing a premium refund, being labeled a high risk driver or delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance provider is not as hard as you think.

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