2016 Audi A5 Insurance Rates – 7 Tips for Cheapest Quotes

Trying to find the cheapest car insurance rates for your Audi A5? Are you irritated from being strong-armed to buy car insurance? You’re in the same situation as many other drivers. Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Compare insurance rate quotes online

Getting a more affordable price on 2016 Audi A5 insurance can be surprisingly simple. Just invest a few minutes to compare rate quotes to discover which company has affordable auto insurance quotes. This can easily be done by using one of the methods below.

  1. If you’re in a hurry, the quickest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This quick form saves time by eliminating separate quotes for every insurance company. Taking the time to complete one form gets insurance cost estimates from multiple low-cost companies.
  2. A less efficient way to analyze rates requires you to visit each company website and go through the quote process again. For instance, we’ll assume you want to get rates from State Farm, Progressive and Travelers. To get rate quotes you would need to go to each individual site and enter your policy data, which can be really labor intensive.

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

However you get your quotes, try to use apples-to-apples coverage limits on every quote. If each company quotes different values for each quote it will be nearly impossible to make a fair rate comparison.

Do you qualify for these seven discounts?

Not many people think insurance is cheap, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but a few must be specifically requested prior to receiving the credit.

  • Military Discounts – Having a family member in the military could trigger a small discount.
  • College Student Discount – College-age children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can receive discounts of more than 20%.
  • Multi-Vehicle Discounts – Buying coverage for multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared to insureds who have frequent claims or accidents.
  • Low Miles Discount – Fewer annual miles on your Audi could be rewarded with better rates on cars that stay parked.

Policy discounts save money, but most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and a partial list of their discounts are:

  • Esurance policyholders can earn discounts including claim free, anti-lock brakes, good driver, multi-policy, good student, emergency road assistance, and Switch & Save.
  • The Hartford has savings for vehicle fuel type, good student, defensive driver, anti-theft, driver training, bundle, and air bag.
  • AAA offers discounts including pay-in-full, multi-car, AAA membership discount, anti-theft, education and occupation, multi-policy, and good student.
  • GEICO has discounts for defensive driver, seat belt use, air bags, membership and employees, five-year accident-free, and daytime running lights.
  • State Farm may include discounts for student away at school, multiple autos, good student, driver’s education, Drive Safe & Save, anti-theft, and passive restraint.

When getting free auto insurance quotes, it’s a good idea to all the companies what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view companies with significant discounts, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Am I covered if I wreck a rental car?
  • Do I have coverage if my license is suspended?
  • Am I insured when driving a different vehicle?
  • What is PIP insurance?
  • Should I put collision coverage on all my vehicles?
  • What can I do if my company denied a claim?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, dental work and prosthetic devices. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Audi A5.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

This coverage can cover damage or injury you incur to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as funeral expenses, court costs, bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your A5 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, damage from flooding and a tree branch falling on your vehicle. The highest amount your 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.

Don’t break the bank

Some auto insurance companies do not offer online quoting and these smaller providers only sell through independent agents. Lower-priced auto insurance can be sourced online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

When getting auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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