Compare 2016 Audi A5 Insurance Quotes

Searching for the cheapest insurance for an Audi A5 can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Audi and obtain the lowest price either online or from local insurance agents.

You may qualify for discounts

Insurance coverage is not inexpensive, but there could be significant discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but occassionally some discounts must be inquired about in order for you to get them.

  • Low Mileage Discounts – Driving fewer miles can qualify you for lower premium rates on the low mileage vehicles.
  • Professional Organizations – Being a member of qualifying clubs or civic groups may earn a discount on your bill.
  • Telematics Discount – Drivers who agree to allow companies to monitor driving manner by using a telematic data system such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Defensive Driver Discount – Participating in a course teaching driver safety skills is a good idea and can lower rates and make you a better driver.
  • Military Discounts – Being on active deployment in the military can result in better prices.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Progressive and Allstate may permit one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
  • Savings for New Vehicles – Buying insurance coverage coverage on a new vehicle can save up to 30% due to better safety requirements for new model year vehicles.

You should keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Companies who might offer these discounts include:

Double check with every prospective company which credits you are entitled to. A few discounts may not apply to policyholders in your state. To see a list of insurers with the best discounts, click here.

Compare quotes for auto insurance

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You could spend your day discussing policy coverages with agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To compare pricing click to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly the providers to get pricing from. So if you prefer to pick individual companies to compare rates, we put together a list of auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just make sure you compare the exact same deductibles and coverage limits on every quote you get. If you use differing limits it will be nearly impossible to determine which company has the best rates.

Learn how to find car insurance more affordably

Many things are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but some are not quite as obvious such as your marital status or your vehicle rating.When buying car insurance it’s important to understand some of the elements that play a part in calculating your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that could help you find big savings.

The items below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

  • Too many car insurance claims and you’ll pay more – If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Companies give the lowest premiums to drivers who are not frequent claim filers. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Cheaper rates with high comp and collision deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Audi. Examples of covered claims are collision with another vehicle, damage from fire, or theft. Deductibles for physical damage represent how much money you are required to pay in the event of a claim. The more of the claim you have to pay, the bigger discount you will receive on A5 coverage.
  • Youthful drivers pay high prices – Older, more experienced drivers are shown to be more cautious, file fewer claims , and usually have better credit.Drivers with little experience tend to be careless and easily distracted when driving so they pay higher car insurance rates.
  • Decrease premiums by maintaining coverage – Having a gap between insurance policy dates is a sure-fire way to pay more for car insurance. In addition to paying higher rates, the inability to provide proof of insurance may result in a revoked license or a big fine.
  • Lower premiums for cars with good safety ratings – Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates. If your Audi A5 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Liability safeguards assets – Your policy’s liability coverage provides coverage when you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense starting from day one. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
  • Fewer miles means better rates – The higher the mileage driven annually the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based on their usage. Cars and trucks that are left in the garage receive better premium rates than vehicles that are driven to work every day. Improper usage on your A5 may be costing you higher rates. It’s a good idea to make sure your vehicle rating states the correct usage for each vehicle, because improper ratings can cost you money.

There’s no such thing as the perfect insurance coverage policy

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Why am I required to buy liability insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why is insurance for a teen driver so high?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I buy more coverage than the required minimum liability coverage?
  • How do I insure my teen driver?
  • Is motorclub coverage worth it?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, a tree branch falling on your vehicle, damage from getting keyed and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision coverage covers damage to your A5 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, crashing into a building, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like ambulance fees, surgery, dental work and pain medications. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi A5.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like structural damage, medical services, court costs, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

A penny saved is a penny earned

When shopping online for insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

In this article, we covered some good ideas how to save on 2016 Audi A5 insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the best price on insurance coverage is with the smaller companies.

People leave their current company for a variety of reasons including denial of a claim, unfair underwriting practices, being labeled a high risk driver and even delays in paying claims. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Additional information is located at the links below