2017 Audi SQ5 Insurance Rates – 10 Discounts for Best Quotes

Looking for lower insurance rates for your Audi SQ5? Frustrated by the number of insurance sources that you can choose from? There are so many sources available that it can turn into a burden to locate the lowest prices.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. But vehicle owners should learn how big insurance companies market insurance on the web and take advantage of how the system works.

How much does auto insurance cost?

There are a variety of methods to compare auto insurance quotes, but one way is more efficient than others. You could spend the better part of a day driving to insurance agencies in your area, or you could use online quoting for quick rates.

Most major companies participate in an industry program that enables customers to send in one quote, and at least one company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions to each company.

To compare pricing click here to open in new window.

The only downside to using this type of system is that you can’t choose the providers to get pricing from. So if you prefer to pick from a list of companies to compare prices, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make sure you are using equivalent coverage data with every price quote. If the quotes have mixed coverages then you won’t be able to make an equal comparison. Just a small difference in coverages can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will improve the odds of getting better pricing. Some insurance companies are not set up to provide prices over the internet, so you need to compare prices from them as well.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if your situation will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Do I need PIP coverage since I have good health insurance?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • Why do I need rental car insurance?
  • Do all my vehicles need collision coverage?
  • What is the rate difference between pleasure use and commuting?
  • What is roadside assistance coverage?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Car insurance specifics

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Audi SQ5.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, medical expenses, court costs and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as dental work, EMT expenses and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your SQ5 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, hitting a mailbox, crashing into a ditch, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.