Cheaper 2014 Audi A5 Insurance Rates

Pricey insurance coverage can draw down your accounts and force you to make sacrifices. Comparison shopping is a smart way to slash your bill and have more diposable income.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute best rate

You should take the time to do rate comparisons quite often because prices are constantly changing. If you had the lowest price on A5 coverage two years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to find better coverage at a better price.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding the best rates is quite easy. Nevertheless, drivers do need to know the way companies price insurance differently because it can help you find the best coverage.

Are you receiving every discount?

Some insurers don’t necessarily list all disounts very well, so below is a list some of the best known and the harder-to-find credits that may apply to you. If you are not receiving all the discounts available, you could be getting lower rates.

  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out some life insurance too.
  • Driver Safety – Taking time to complete a driver safety class could cut 5% off your bill and easily pay for the cost of the class.
  • Bundle and Save – If you have multiple policies and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
  • Drive Safe and Save – Insureds without accidents can save as much as half off their rates on A5 coverage than drivers with accident claims.
  • Telematics Data – Drivers that enable their insurance coverage company to track driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Early Signing – Select companies give a discount for renewing your policy prior to your current policy expiring. The savings is around 10%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on A5 coverage.

One last thing about discounts, most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

If you would like to choose from a list of insurance companies who offer cheap insurance coverage quotes, click this link.

How you can control Audi A5 insurance costs

Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although others are less obvious like where you live or your vehicle rating.

  • Multi-policy discounts can save money – Most major auto insurance companies will award lower prices to customers that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates. Drivers may still save more without the discount by buying insurance from more than one company.
  • Bad driving leads to higher rates – Your driving citation history can have a huge impact on auto insurance premiums. Having just one speeding ticket or other violation can boost insurance rates forty percent or more. Attentive drivers get better prices as compared to those with violations. Drivers who have gotten severe violations like DUI, reckless driving or excessive speeding might be required by their state to complete a SR-22 with their state in order to keep their license.
  • Less chance of injury means lower rates – Vehicles with high crash test scores cost less to insure. Safe vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy. If your Audi A5 has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Don’t buy add-on coverages that may not be needed – Insurance policies have a lot of additional coverages that can waste your money but may not be useful. Coverages like replacement cost coverage, towing coverage, and Farm Bureau memberships are probably not needed. They may seem good when deciding what coverages you need, but if you have no use for them remove them and pocket the money.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • What if I total my 2014 Audi A5 and owe more than it’s worth?
  • Does my 2014 Audi A5 need full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • I have health insurance so do I need medical payments coverage?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Smaller companies may have the best rates

Car insurance providers like State Farm and Allstate seem to constantly run ads in print and on television. They all convey the message that you can save if you get a free insurance coverage quote and switch your policy. But how can every company make almost identical claims?

Insurance providers provide the lowest rates for the type of driver that will most likely be profitable. For example, this type of risk profile might have to be over the age of 40, owns a home, and chooses high deductibles. Any customer that meets those criteria will get a cheap rate quote as well as save if they switch.

Insureds who are not a match for this stringent profile must pay a higher rate which translates to the customer not buying. The ads say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can state the savings.

Different companies use different criteria so you really need to get as many free insurance coverage quotes as possible. You cannot predict the company that will have the best prices at this point in time.

Parts of your insurance policy

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like pain medications, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays for damage to your A5 resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, hitting a mailbox, backing into a parked car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

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 hospital bills for your injuries as well as damage to your Audi A5.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

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 liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as structural damage, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism, fire damage, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More choices the merrier

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In many cases, someone sacrificed collision coverage and learned later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Throughout this article, we presented many tips how you can compare 2014 Audi A5 insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding cheap insurance coverage. Consumers could even find that the most savings is with a small mutual company. These companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

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Comments About 2014 Audi A5 Insurance

  1. Yvonne Macias

    Will State Farm cancel if I have a claim?

  2. Rafael Heath

    If you have a clean record and live around Denver, CO, check out State Farm. I saved quite a bit. Insured with Allstate before. I get lower rates because of my clean driving record.

  3. Marti Tran

    Lots of useful info here. I live just outside Charleston, SC. Quoted a bunch of companies. Saved darn near $70 a month. State Farm was the best choice for me. Switched homeowners coverage too. Bought it from an online quote.

  4. Rea Odonnell

    If you don’t have tickets and live around Little Rock, AR, check out Allstate. You might get cheaper rates. Left Hanover to switch. Bought it from an online quote.

  5. Alessandra Flynn

    I’m in Charleston, South Carolina. Got car insurance quotes from GEICO, Esurance, and Liberty Mutual for my 2014 Audi A5 and saved $410 a year. I have a teen driver too. You can get a rate quote online.

  6. Irma Knight

    Lifelong resident of Tulsa, OK. Got car insurance rates from American Family, Safeco, and some smaller one I can’t remember the name of for my A5 and I think I cut my rates about $20 each month. I’m a pretty good driver though. Are quotes cheaper online?

  7. Jazmin Nichols

    Nice post. Went with Esurance for my 2014 Audi A5 and cut my rates about $160 a year. A clean driving record helps. I got a quote from their website.

  8. Ardelle Mooney

    It all costs too much. Lifelong resident of West Valley City, UT. Received quotes from Sentry, Farmers, 21st Century, and Auto-Owners for my A5 and am saving around $470 a year. Insured with Travelers before.

  9. Lakia Castro

    Does Arkansas have minimum liability laws?

  10. Holley Odom

    Great site. Live in the western part of Pittsburgh, PA. Compared rates from a lot of places. Saved about $40 a month. Progressive was the most affordable for me. I recommend comparing lots of rates.

  11. Mirna Hopkins

    I live east of Seattle, WA. Checked online prices for a 2014 Audi A5. Ended up at about $490 savings annually. Went with State Farm. Left MetLife to switch. I’m a pretty good driver though.

  12. Cherly Martinez

    From a town just southwest of San Jose, CA. I got free quotes with GEICO, Liberty Mutual, and Eastwood for my 2014 Audi A5 and saved just over $100 a year.