Lower Your 2008 Audi A5 Insurance Rates

Trying to find cheaper insurance rates for your Audi A5? No sane person gets a kick out of paying for insurance, especially when they know they could find better prices if they shop around. Companies like Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

Consumers need to get comparison quotes occasionally because rates are variable and change quite frequently. Even if you think you had the lowest premium rates for A5 insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in the best methods to save on insurance.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Consumers just need to learn the tricks to shop over the internet.

Discount auto insurance rates

Auto insurance companies don’t necessarily list every possible discount in a way that’s easy to find, so the list below gives a summary of both well-publicized and the harder-to-find credits that may apply to you.

  • Military Discounts – Having a deployed family member can result in better rates.
  • Claim-Free Discount – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Government Employees – Having worked for a branch of the government could provide a small rate reduction for A5 insurance with certain companies.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the medical payments premium.
  • Discount for Multiple Policies – If you can combine your auto and home policy with one insurance company you could save 10% to 20% off each policy.
  • Driver Training Discounts – Passing a course in defensive driver could earn you a small percentage discount and easily recoup the cost of the course.
  • Save with More Vehicles Insured – Having primary and secondary vehicles on the same auto insurance policy may reduce the rate for each vehicle.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will definitely lower your overall bill.

A list of companies and a partial list of their discounts are shown below.

  • American Family policyholders can earn discounts including defensive driver, air bags, accident-free, early bird, multi-vehicle, good driver, and mySafetyValet.
  • Farm Bureau may include discounts for driver training, youthful driver, multi-policy, renewal discount, good student, and safe driver.
  • State Farm offers premium reductions for good driver, accident-free, Drive Safe & Save, passive restraint, student away at school, multiple policy, and anti-theft.
  • Travelers may have discounts that include multi-policy, continuous insurance, save driver, driver training, new car, multi-car, and hybrid/electric vehicle.
  • The Hartford includes discounts for good student, driver training, air bag, anti-theft, defensive driver, bundle, and vehicle fuel type.
  • GEICO has discounts for federal employee, multi-vehicle, driver training, seat belt use, membership and employees, and five-year accident-free.
  • Progressive discounts include homeowner, online signing, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.

Double check with every insurance company how many discounts you can get. Some discounts may not apply in every state. To locate companies who offer cheap auto insurance quotes, click this link.

How much is auto insurance?

Finding more affordable auto insurance rates is actually easier than you may think. All that’s required is to invest a little time getting comparison quotes to find out which insurance company has cheap car insurance quotes. This is very easy and can be done by using one of the methods below.

  1. One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating separate quote forms for each price estimate. Taking the time to complete one form gets insurance cost estimates from several companies.
  2. A less efficient way to get quotes online is to manually visit each company website and complete a new quote form. For examples sake, we’ll assume you want to get rates from GEICO, Allstate and Progressive. To find out each rate you need to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The old school way to shop rates is going to insurance agents’ offices. Buying insurance online makes this process obsolete unless you’re the type of person who wants the extra assistance that you can only get from talking to an agent. Although you can find lower rates online but buy from a local insurance agent.

Whichever method you choose, ensure you’re using nearly identical quote information for each comparison quote. If you have different liability limits it’s impossible to determine which company has the best rates.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • What happens if I owe more than my 2008 Audi A5 is worth?
  • Should I have a commercial auto policy?
  • Is my trailer covered?
  • Do I benefit by insuring my home with the same company?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2008 Audi A5

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like nursing services, doctor visits, dental work and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers 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 coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, fire damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

This will cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as structural damage, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a Smart Shopper

As you quote car insurance, do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits and learned later that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Some companies may not offer online price quotes regional carriers work with independent agencies. More affordable car insurance can be found from both online companies in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

You just read a lot of ways to get a better price on 2008 Audi A5 insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the lowest rates come from the least-expected company. Regional companies can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm and Allstate.

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