2015 Audi A5 Insurance Quotes – 10 Ways to Save

Online rate comparisons for low cost insurance might seem complicated at first if you are someone who has never done rate quotes online. But don’t throw in the towel because online price shopping is actually quite simple.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. Although vehicle owners must learn how big insurance companies price online insurance.

How much is insurance coverage?

Most major insurance companies give coverage price quotes direct online. Obtaining pricing is quite simple as you simply type in the coverage amounts you desire into the form. Once you submit the form, their system sends out for your driving record and credit report and generates a price.

Online quotes makes it simple to compare prices but having to visit many different websites and type in your information is monotonous and tiresome. But it is imperative to perform this step in order to get the lowest possible prices on insurance coverage.

A more efficient way to find better insurance coverage pricing utilizes a single form to obtain quotes from multiple companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much simpler. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare pricing, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you replicate exactly as they are listed on your policy. This makes sure you will be getting rate quotes using the same coverage and limits.

Insurance coverage companies offer many types of discounts

Some providers do not advertise every disount available very well, so the below list has some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

• One Accident Forgiven – This isn’t a discount exactly, but certain companies allow you one accident without the usual rate increase if you are claim-free prior to the accident.
• Good Student – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally up to age 25.
• Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates on A5 coverage than less cautious drivers.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
• Driver’s Education for Students – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
• Active Military Service – Being on active deployment in the military could qualify you for better insurance coverage rates.
• Multiple Policy Discount – If you can combine your home and auto policy with one company you could earn a discount of over 10 percent off each policy depending on the company.
• Discount for Swiching Early – A few insurance companies allow discounts for switching to them before your current coverage expires. You can save around 10% with this discount.
• Passenger Safety Discount – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Larger insurance coverage companies and some of their more popular discounts are outlined below.

• Progressive may have discounts that include multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, and online signing.
• SAFECO may offer discounts for safe driver, drive less, bundle discounts, multi-car, anti-theft, and teen safe driver.
• American Family offers discounts for good driver, accident-free, multi-vehicle, early bird, and defensive driver.
• MetLife includes discounts for accident-free, good student, claim-free, defensive driver, multi-policy, good driver
• GEICO has discounts for daytime running lights, emergency military deployment, multi-vehicle, anti-theft, and federal employee.
• The Hartford may include discounts for bundle, air bag, driver training, defensive driver, and anti-theft.

If you need lower rates, check with each company or agent which discounts you qualify for. A few discounts may not be offered in your state.

Do I just need basic coverages?

When buying proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

• Am I covered when delivering products for my home-based business?
• Is my 2015 Audi A5 covered for flood damage?
• Is business equipment covered while in my vehicle?
• What is the difference between comprehensive and collision coverage?
• Does my insurance cover a custom paint job?
• Should I buy additional glass protection?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage – This coverage covers damage to your A5 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, falling objects, vandalism, theft and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like court costs, loss of income, pain and suffering, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like doctor visits, dental work, funeral costs and surgery. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2015 Audi A5.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.