2016 Audi SQ5 Insurance Quotes

Searching for better insurance rates for your Audi SQ5? Locating better insurance prices for a new or used Audi SQ5 can turn out to be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to buy insurance so you’re going to learn the proper way to get price quotes for a new or used Audi and locate the lowest possible price.

You need to get comparison quotes as often as possible because prices are adjusted regularly by insurance companies. Even if you got the lowest price for SQ5 insurance a year ago there may be better deals available now. Block out anything you think you know about insurance because it’s time to teach you the easiest way to find better rates and still maintain coverage.

If you are insured now or are shopping for new coverage, you can learn to reduce the price you pay and possibly find even better coverage. Buying affordable auto insurance coverage is simple if you know the tricks. Consumers just need to know how to get comparison quotes online.

Finding insurance coverage

The majority of larger companies like 21st Century, Allstate and State Farm provide insurance quotes online. Getting quotes can be done by anyone because it’s just a matter of typing in your coverage preferences on the page. Behind the scenes, their rating system automatically orders reports for credit and driving violations and quotes a price based on many factors.

This simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to find a lower rate.

There is a better way!

A more efficient way to lower your rates utilizes a single form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes a little more enjoyable. Immediately after you send the form, it is quoted and you can choose any of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter deductibles and limits exactly as shown on your declarations page. This ensures you will have a rate comparison for exact coverage.

More discounts mean affordable premiums

Auto insurance companies don’t list every disount available in a way that’s easy to find, so the list below contains a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Bundle and Save – When you combine your homeowners and auto insurance with one company you could get a discount of as much as 10 to 15 percent.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Passive Restraint Discount – Factory air bags may get savings of 20% or more.
  • Switch and Save Discount – A few companies allow discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Telematics Discount – Drivers that enable their insurance coverage company to study driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
  • Safe Driver Discounts – Drivers who avoid accidents may save up to 50% more for SQ5 insurance than drivers with accident claims.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, that’s just not realistic.

A few popular companies and their possible discounts are outlined below.

  • GEICO has discounts for emergency military deployment, multi-vehicle, seat belt use, federal employee, membership and employees, and anti-lock brakes.
  • USAA may have discounts that include loyalty savings, military installation, safe driver, family discount, and multi-vehicle.
  • Progressive offers discounts for online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, homeowner, and online signing.
  • American Family offers discounts including good driver, good student, Steer into Savings, TimeAway discount, air bags, multi-vehicle, and accident-free.
  • Esurance includes discounts for emergency road assistance, homeowner, defensive driver, online quote, and claim free.
  • Farmers Insurance offers premium reductions for teen driver, early shopping, bundle discounts, business and professional, and distant student.
  • State Farm may include discounts for good student, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, passive restraint, accident-free, and defensive driving training.

Before you buy a policy, ask every company to apply every possible discount. Some credits may not apply in your area. To view insurance companies who offer cheap insurance coverage quotes, click here to view.

It’s not one size fits all

When buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Should I bundle my homeowners policy with my auto?
  • Is a fancy paint job covered?
  • What is no-fault insurance?
  • What happens if I owe more than my 2016 Audi SQ5 is worth?
  • Am I covered when driving on a suspended license?
  • Am I getting all the discounts available?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Specific coverages for an Audi SQ5

Knowing the specifics of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, fire damage, hitting a bird and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like dental work, prosthetic devices, nursing services, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your SQ5 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, attorney fees, loss of income, emergency aid and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.