2018 Audi A5 Car Insurance Cost – 7 Tips for Cheaper Prices

Trying to find the cheapest insurance coverage rates for your Audi A5? Are you burned out from being strong-armed to make your insurance coverage payment? You are no different than the majority of other vehicle owners. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest price

If you have a policy now or are just looking to switch companies, you can follow these tips to get lower rates while maximizing coverage. Buying car insurance is quite easy. Consumers just need to learn the proper methods to get comparison rates on the web.

Pay discount rates these seven discounts

Companies offering auto insurance don’t always list their entire list of discounts very clearly, so we break down both the well known and the more hidden discounts that you may qualify for. If you do not double check each discount you deserve, you may be paying too high a price.

  • Defensive Driver – Successfully completing a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on A5 coverage with certain companies.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
  • Accident Forgiveness Coverage – but companies like Allstate, State Farm and Geico allow you one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Include Life Insurance and Save – Select insurance companies reward you with a discounted price on car insurance if you buy life insurance from them.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

Consumers should know that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

A few companies that may offer quotes with these benefits include:

Before you buy a policy, ask every insurance company how you can save money. Some discounts listed above might not apply everywhere. If you would like to view insurers who offer free auto insurance quotes, click this link.

How to get affordable car insurance

Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the internet to quickly compare rates.

Most of the larger companies enroll in a system where prospective buyers submit their information once, and each company can give them a price determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to choose individual companies to compare, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just try to keep the same coverage limits on every price quote you get. If you are comparing higher or lower deductibles then you won’t be able to decipher which rate is best.

Special considerations

When buying the best insurance coverage coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Should I have a commercial auto policy?
  • Is business equipment covered while in my vehicle?
  • Does coverage extend to Mexico or Canada?
  • When would I need additional glass coverage?
  • What if I owe more than I can insure my car for?
  • Do I pay less for low miles?
  • Is my babysitter covered when using my vehicle?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t avoid all the ads that claim the cheapest prices by companies like Progressive, Geico, Allstate and State Farm. They all seem to make the same claim that drivers can save some big amount just by switching your coverage to them.

How does every company give you a better price?

Insurance providers give the cheapest rates for the type of insured that is profitable for them. An example of this type of risk profile may be a female over age 40, has never had a claim, and the vehicle is rated for pleasure use. A driver who matches those parameters will get a cheap rate quote and is almost guaranteed to cut their rates if they switch.

Potential customers who may not quite match these standards may be forced to pay higher premium rates and ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can state the savings. This really drives home the point why drivers should get insurance quotes as often as possible. Because you never know which company will give you lower prices than your current company.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, a broken windshield, rock chips in glass and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your A5 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverage

This coverage can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for bills for dental work, rehabilitation expenses and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured 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 medical payments for you and your occupants and damage to your 2018 Audi A5.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Be a penny pincher

Some car insurance companies do not offer the ability to get quotes online and many times these small insurance companies work with local independent agents. Budget-friendly car insurance is definitely available both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.

Throughout this article, we presented a lot of techniques to lower your 2018 Audi A5 insurance rates. The key concept to understand is the more companies you get auto insurance rates for, the higher the chance of saving money. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. They can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate and Progressive.

To learn more, feel free to visit the resources below: