Top 5 Ways to Save on Audi A5 Insurance

Finding the cheapest insurance for an Audi A5 can normally be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy car insurance and we’ll show you the best way to price shop coverage on a Audi and obtain the best price possible from both online companies and local agents.

How to Compare Car Insurance Costs

Most major insurance companies provide pricing directly from their websites. Obtaining pricing doesn’t take much effort as you just type in your coverage preferences as detailed in the form. When the form is submitted, the company’s rating system will order your driving and credit reports and quotes a price based on many factors.

This makes comparing rates easy, but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s very important to get many rate quotes if you are searching for the best price possible.

Quote rates the easy way

The quickest way to lower your rates requires only one form that gets price quotes from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much easier to do. As soon as you send your information, your coverage is rated and you are able to buy any or none of the quote results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you enter deductibles and limits identical to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison based on the exact same insurance coverage.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all seem to say the same thing that you can save if you move to them.

How do they all make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. For instance, a driver they prefer might be profiled as over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save money. That is how companies can make those claims. This illustrates why drivers should compare as many rates as you can. It’s not possible to predict which company will fit your personal profile best.

These 5 discounts can slash car insurance rates

Auto insurance companies don’t list every discount in an easy-to-find place, so here is a list both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Driver’s Ed – Have your child complete a driver education course if offered at their school.
• Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
• Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
• Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on A5 coverage than drivers with accident claims.

Consumers should know that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

To choose companies who offer car insurance discounts, click here to view.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 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 is a good idea.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like hospital visits, EMT expenses and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, fire damage and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, rolling your car, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Online plus local equals savings

The cheapest Audi A5 insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We just presented a lot of information how to compare Audi A5 insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a small mutual company.