Cheap 2015 Audi A5 Car Insurance Rates

Finding budget car insurance may seem to be overwhelming for people that are relatively new to comparing and buying car insurance online. With such a large number of companies, how are we expected to even start to compare every one to find better prices?

Do you qualify for discounts?

Buying insurance coverage is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Some discounts will apply when you purchase, but a few must be specifically requested prior to getting the savings.

  • Organization Discounts – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared to accident-prone drivers.
  • More Vehicles More Savings – Having more than one vehicle on one policy could earn a price break for each car.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote car insurance on A5 insurance with select insurance companies.
  • Distant Student Discount – Youth drivers who live away from home at college and don’t have a car could qualify for this discount.

Please keep in mind that some of the credits will not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

To find providers that provide some of the discounts listed above, click here to view.

How insurance providers determine Audi A5 insurance rates

Multiple criteria are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, although others are not quite as obvious like where you live or how financially stable you are.A large part of saving on auto insurance is knowing a few of the rating criteria that play a part in calculating your premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that can earn you lower premium levels.

  • Men are more aggressive – Statistics have proven that women are safer drivers than men. It does not mean males are worse at driving than females. Males and females cause at-fault accidents in similar numbers, but the males have accidents that have higher claims. Men also statistically get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.
  • Commute or pleasure use – The higher the mileage driven in a year the higher your rates will be. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Cars that are left in the garage cost less to insure than those used for commuting. Improper usage on your A5 may be costing you. Make sure your auto insurance policy is showing the correct driver usage, because it can save money.
  • Bump up coverage deductibles to lower rates – Comprehensive and collision coverage deductibles state the amount of money you are required to spend before a claim is paid by your company. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered would be rearending another vehicle, fire damage, or theft of your vehicle. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for auto insurance on A5 insurance.
  • Reserve insurance claims for larger damages – If you file claims often, you can look forward to higher rates. Companies provide most affordable rates to insureds that do not abuse their auto insurance. Your insurance policy is designed for claims that pose a financial burden.

Don’t assume everyone needs the same insurance coverage

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • What is roadside assistance coverage?
  • Is my 2015 Audi A5 covered for flood damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Which companies will insure high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • What is high-risk coverage and where do I buy it?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance policy coverages for a 2015 Audi A5

Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – Liability insurance protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 insurance covers things such as funeral expenses, medical expenses, legal defense fees, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverages – This coverage will pay to fix damage to your A5 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2015 Audi A5.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hitting a bird, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Quote more, save more

As you quote car insurance, never reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret they didn’t have enough coverage. The goal is to find the BEST coverage at an affordable rate.

Lower-priced auto insurance is definitely available both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not offer online quoting and many times these small, regional companies only sell coverage through independent insurance agents.

In this article, we presented many ways to shop for 2015 Audi A5 insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest car insurance rates are with a small mutual company.

Additional information is available on the following sites:

Comments About 2015 Audi A5 Insurance

  1. Lu Savage

    Does 21st Century use ACV or replacement cost?

  2. Nathanael Church

    Liked the article. I’m from Raleigh, North Carolina. I got free quotes with GEICO, AAA, and Farmers for my Audi and saved $283 a year. Have an at-fault accident tho. I got a quote from their website.

  3. Amee Bass

    Will State Farm rates go up if I file a claim?

  4. Wilda Daniels

    Enjoyed the article. Checking in from Raleigh, NC. I got free prices from Allstate, American Family, and some I forget for my 2015 Audi A5 and saved just over $540 a year. Left Hartford to switch. Are quotes cheaper online?

  5. Letitia Brennan

    Does Michigan have minimum liability requirements?

  6. Kelsi Ball

    From a town just southwest of Rapid City, South Dakota. Quoted prices online for a 2015 Audi A5. Ended up at about $320 savings annually. Went with State Farm. I recommend comparing lots of rates.

  7. Rudy Bush

    21st Century was cheapest for my 2015 Audi A5 in San Antonio, Texas.

  8. Irish Day

    If you’re a decent driver and live near Parkersburg, WV, check out State Farm. I saved quite a bit. My new agent seems to be really good. Not sure if rates are cheaper online or through an agent.

  9. Grover Tyson

    Not sure what I should be paying. Located in Dover, Delaware. I quoted with 21st Century, American Family, Esurance, and Hanover for my 2015 Audi A5 and am saving around $520 a year. Might find lower rates online.

  10. Terica Cotton

    From Bangor, ME. Don’t remember every company but I ended up saving about $60 each month. Left Esurance to switch.