Save on 2016 Audi A5 Insurance Quotes

Nobody that owns a car looks forward to paying premiums for car insurance, particularly when they could get a better deal.

Due to the large number of choices of insurance companies, it can be diffult for people to locate the lowest cost car insurance company.

You should take the time to do rate comparisons before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the best price for A5 coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to teach you the easiest way to lower your annual insurance bill.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but there could be significant discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but occassionally some discounts must be manually applied in order for you to get them.

  • Sign Online – A few larger online companies will provide an incentive for buying your policy on your computer.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • Waiver for an Accident – This one isn’t a discount, but some insurance companies permit an accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company they may give you a discount of nearly 15% which can help you find inexpensive insurance coverage.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for A5 coverage with a few insurance coverage companies.
  • No Claims – Good drivers with no accidents have much lower rates as compared to drivers who are more careless.
  • Save over 55 – Drivers that qualify as senior citizens can possibly qualify for better insurance coverage rates for A5 coverage.
  • Active Military Service – Being deployed with a military unit may qualify for rate reductions.

As a footnote on discounts, some credits don’t apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts should help lower the cost of your policy.

To see insurers who offer free insurance coverage quotes, click here.

Where can I get cheap insurance?

The are a couple different ways of comparing rate quotes from all the different companies. One of the best ways to lower the rate you pay for Audi A5 insurance consists of shopping online. This can be done in several different ways.

  1. Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating a different quote to each individual insurance company. Taking the time to complete one form gets coverage cost estimates from multiple low-cost companies.
  2. A more difficult way to get comparison quotes requires a visit to the website for each individual company and repeat the quote process. For sake of this example, we’ll pretend you need rates from Allstate, Liberty Mutual and Travelers. In order to get each rate, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
  3. The last method to find cheaper rates is actually driving to and from local insurance agencies. Comparing rates online makes this process obsolete unless you have a need for the advice and guidance of a local agent. Although you can comparison shop online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just make sure you compare the same deductibles and coverage limits for each quote you get. If you are comparing different data it’s impossible to determine the lowest rate for your Audi A5. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparison shopping, making a lot of price comparisons will increase your chances of finding a better price. Not every company provides price estimates online, so you need to compare quotes on coverage from those companies, too.

Don’t assume everyone needs the same insurance coverage

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I bundle my homeowners policy with my auto?
  • Do I need PIP coverage since I have good health insurance?
  • Who is covered when they drive my 2016 Audi A5?
  • Does coverage extend to my business vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages explained

Learning about specific coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Collision coverage protection

Collision coverage covers damage to your A5 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, hitting a parking meter, colliding with a tree, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, theft and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, surgery and nursing services. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This will cover damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, loss of income, attorney fees and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Affordable insurance is out there

You just read many ideas to reduce 2016 Audi A5 insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

The cheapest 2016 Audi A5 insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not offer price quotes online and many times these small insurance companies work with independent insurance agents.

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Comments About 2016 Audi A5 Insurance

  1. Ward Miles

    Will GEICO do a SR22 in Connecticut?

  2. Maranda Reyes

    Good detail in your article. From east side of Mobile, Alabama. I quoted with GEICO, Auto-Owners, Farmers, and Hartford for my A5 and saved just over $220 a year. A clean driving record helps.

  3. Ena Middleton

    In Nashua, New Hampshire, GEICO is a good choice. Was with Encompass. Have an at-fault accident tho.

  4. Mirian Beach

    I compared a lot of rate quotes for a 2016 Audi A5 in San Jose, California. Ended up at roughly $240 every six months with American Family. Was with Esurance. I increased coverages a little too. Did it all online.

  5. Nettie Alexander

    In Phoenix, Arizona, State Farm is a good choice. Insured with State Farm before. They offer free online rate quotes.

  6. Arnita Tillman

    Does Progressive have low rates for teen drivers?

  7. Lucina Hyde

    Cheaper not always better. Went with The General for my 2016 Audi A5 and am saving around $210 a year. Insured with Travelers before. Just go online and compare their rates.

  8. Ellis Hewitt

    Cheaper not always better. Got a quote with Western Auto Insurance for my 2016 Audi A5 and am saving around $230 a year. Thankfully I have a good driving record.

  9. Emanuel Parsons

    Not sure what I should be paying. I’m from Salt Lake City, UT. Quoted with Western Auto Insurance, American Family, Liberty Mutual, and Nationwide for my 2016 Audi A5 and I’m now saving $24 a month.

  10. Harris Velez

    Where is cheaper car insurance? Found cheapest coverage with Progressive for my Audi and saved around $330 a year. My new agent seems to be really good. I got a quote from their website.