Looking for lower auto insurance rates for your Audi A5? When looking for lower-cost insurance, are you overwhelmed by the wide range of auto insurance sources that you can choose from? You’re not alone. There are so many choices that it can turn into a real challenge to locate the lowest prices.
It’s a great practice to get comparison quotes periodically since insurance rates are constantly changing. Just because you found the best premium rates on A5 insurance a year ago you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to buy cheaper auto insurance.
The cost of insuring your cars can be expensive, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be manually applied prior to getting the savings.
Remember that most discount credits are not given the the whole policy. Most only cut specific coverage prices like comp or med pay. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy. Any qualifying discounts will help reduce the amount you have to pay.
A few of the larger companies and their possible discounts are shown below.
If you are trying to find inexpensive auto insurance quotes, ask each company or agent to give you their best rates. Discounts may not be available in your area. If you would like to see a list of insurance companies who offer insurance discounts, click here.
When buying coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover whether your personal situation might need an agent’s assistance.
If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.
Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, prosthetic devices, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2008 Audi A5.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.
Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance 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. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like repair bills for other people’s vehicles, loss of income, emergency aid, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as theft, damage from flooding, damage from getting keyed, fire damage and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
People change insurance companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, lack of trust in their agent and extreme rates for teen drivers. Whatever your reason, finding a great new company is actually quite simple.
When shopping online for auto insurance, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find for the lowest price.
In this article, we presented many ways to shop for 2008 Audi A5 insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with an unexpected company.
I can’t pay high rates. From northwest of Jackson, MS. I got free rates from GEICO, AIG Insurance, Encompass, and Hanover for my Audi and saved around $100 a year. Have an at-fault accident tho.
I live just outside Davenport, Iowa. I quoted with Hanover, AIG Insurance, MetLife, and a couple others for my 2008 Audi A5 and saved just over $380 a year. Left 21st Century to switch. Moved home policy as well. They were helpful in switching over.
I’ve bought from GEICO forever. Cheapest rates in Greensboro, NC.
Any GEICO or Esurance customers near Lexington, KY?
I compared a lot of rate quotes for a 2008 Audi A5 in Mesa, Arizona. Ended up at right around $310 every six months with American Family.
I’m in the suburbs of Philadelphia, PA. Quoted with Allstate, The General, and Encompass for my 2008 Audi A5 and I think I saved around $60 each month. I increased coverages a little too.
Liked the article. I’m just north of New York City, NY. Got car insurance quotes from AAA, Farmers, and Sentry for my 2008 Audi A5 and saved $120 a year. Might find lower rates online.
Liked the article. From west side of Fairbanks, AK. I got free quotes with Progressive, The General, and Encompass for my A5 and I’m now saving $43 a month.
Good detail in your article. Proud to be from Juneau, AK. I got free rates from Auto-Owners, Encompass, and Nationwide for my 2008 Audi A5 and saved just over $180 a year. Moved home policy as well.
Nice info. I’m in the east part of Portland, ME. Quoted quotes from 21st Century, AIG Insurance, and Erie for my Audi and I’m now saving $55 a month. Left USAA to switch. Are quotes cheaper online?