Cheap 2018 Audi A5 Car Insurance Rates

Trying to find cheaper insurance rates for your Audi A5? No car owner rejoices having to buy insurance, especially when they are aware that they are paying too much. You have so many insurance companies to pick from, and even though it’s nice to have a choice, more choices can make it harder to find the lowest cost provider.

Consumers should take time to compare rates as often as possible because insurance prices change frequently. Just because you found the lowest price for A5 insurance six months 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 how to use the internet to properly buy coverages and cut your premium.

This information will teach you how car insurance quotes work. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to know the best way to compare company rates online.

Compare quotes for insurance coverage

Cutting your insurance coverage rates is a fairly straight forward process. You just have to spend a few minutes on the computer to compare free auto insurance quotes from online providers. Comparing prices online can be done in just a few minutes using one of these methods.

  • The simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This style of form saves time by eliminating separate quotes for each company. One form submission gets you price quotes from many national carriers.
  • A more difficult way to analyze rates consists of going to the website of each company and complete a new quote form. For examples sake, let’s assume you want to compare Liberty Mutual, Allstate and Farmers. To do that, you would have to spend time going to each site individually and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same deductibles and coverage limits on every price quote you get. If you compare different limits and deductibles on each one it’s not possible to decipher which rate is best.

Car insurance quotes and discounts

The price of auto insurance can be rather high, but you may be missing some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but a few need to be specially asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Telematics Devices – Drivers who agree to allow driving data collection to monitor driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
  • Multi-line Discount – Car insurance companies who offer life insurance give a small discount if you purchase some life insurance too.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for A5 insurance depending on your car insurance provider.
  • College Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
  • Multiple Cars – Having several vehicles on a single policy can reduce rates for all insured vehicles.

Keep in mind that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you could get a free car insurance policy, it just doesn’t work that way.

Some companies that may offer policyholders some of the discounts shown above are:

Before purchasing a policy, check with each insurance company how you can save money. All car insurance discounts might not apply in your area. To choose insurance companies that offer multiple discounts, click here.

Situations that may require an agent’s advice

When choosing the best auto insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • How many claims can I have before being cancelled?
  • Do all my vehicles need collision coverage?
  • Can I drive in Mexico and have coverage?
  • Is business property covered if stolen from my car?
  • What discounts do I qualify for?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Seven factors that influence insurance costs

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that will entitle you to lower rates.

The list below includes just a few of the factors companies use to determine prices.

  • Rates impacted by vehicle usage – The more you drive your Audi every year the more it will cost to insure it. Most companies charge rates based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can get a lower rate than cars that get driven a lot. It’s a smart idea to ensure your auto insurance declarations sheet correctly shows the correct usage, because it can save money. A policy that improperly rates your A5 is just wasting money.
  • Big city or small town – Being located in a rural area can save you money when buying auto insurance. Less people means reduced accidents and also fewer theft and vandalism claims. People in densly populated areas have more traffic problems and longer commutes to work. Higher commute times means more chances of being involved in an auto accident.
  • Increase comp and collision deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Audi from damage. Some coverage claims would be a broken side mirror, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money you are required to pay if a claim is determined to be covered. The more you are required to pay out-of-pocket, the lower your rates will be for A5 insurance.
  • Does your occupation cost you more? – Did you know that where you work can have an impact on rates? Jobs like lawyersair traffic controllers and emergency personnel are shown to have higher average rates because of high stress and lots of time spent away from family. Other jobs such as professors, students and homemakers pay the least for A5 insurance.
  • GPS tracking and theft deterrents systems cut auto insurance rates – Selecting a car model with a theft deterrent system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.
  • An active auto insurance claims history can cost you more – If you tend to file frequent claims, you can look forward to higher rates. Insurance companies generally give lower rates to policyholders who do not rely on their insurance for small claims. Your car insurance is intended for claims that pose a financial burden.
  • Get better rates if married – Being married helps lower the price on your policy. Having a significant other usually means you are more mature and statistics prove married couples file fewer claims.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, dental work and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your 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 insurance

This pays for damage to your A5 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, a broken windshield, rock chips in glass, fire damage and damage from getting keyed. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2018 Audi A5.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, structural damage, loss of income, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Final thoughts

We just covered a lot of information how to lower your 2018 Audi A5 insurance car insurance rates. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper auto insurance. You may even discover the lowest car insurance rates are with the least-expected company. Smaller companies often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Cheaper 2018 Audi A5 insurance is attainable on the web in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who don’t offer rate quotes online and most of the time these regional carriers prefer to sell through independent agencies.

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