View 2016 Audi Q5 Insurance Quotes

Trying to find lower insurance rates for your Audi Q5? When shopping for lower-cost insurance, do you get overwhelmed by the dozens of insurance choices that you can choose from? Many other drivers are as well. You have such a large number of options that it can easily turn into a burden to find lower rates.

It’s a good idea to price shop coverage every six months because insurance prices are usually higher with each renewal. Despite the fact that you may have had the best quotes for Q5 coverage last year you will most likely find a better rate today. There is a lot of bad information regarding insurance online, but in this article, you’re going to get some great ideas on how to find cheap insurance.

Why you might pay higher rates

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent like your vehicle usage or your financial responsibility.A large part of saving on insurance is knowing some of the factors that are used to determine the level of your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower rates.

  • Insurance rates and job – Did you know your job can affect your rates? Careers like military generalspolice officers and stock brokers are shown to have the highest rates because of high stress levels and lots of time spent away from family. On the other hand, professions such as farmers, historians and the unemployed get better rates for Q5 coverage.
  • Lower rates with no policy lapses – Having an insurance coverage lapse will be a quick way to drive up your policy premiums. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Multiple policies with one company – Most major companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still shop around to make sure you are getting the best deal.There is a good possibility that you can find better rates by splitting coverages up.
  • Marriage is a factor – Having a significant other helps lower the price when shopping for insurance. Having a spouse generally demonstrates drivers are less irresponsible and statistics prove married drivers get in fewer accidents.
  • Eliminate extra policy coverages – There are quite a few optional add-on coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them from your policy.

Free insurance quotes

Comparing insurance rates can take time and effort if you aren’t aware of the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company then returns a price quote determined by their information. This prevents consumers from doing form submissions for each company. To compare rates using this form now click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose which insurance companies you want to price. So if you prefer to pick from a list of companies to request quotes from, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use equivalent information on every quote you get. If you compare mixed coverages you can’t possibly truly determine the lowest rate. Slightly different insurance coverages or limits could mean much higher rates. It’s important to know that comparing more quotes will increase your chances of finding a better price. Some regional insurers cannot provide price estimates online, so it’s recommended that you also compare quotes from them as well.

Buyer beware of auto insurance advertising tricks

Respected companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads try to convey promises that you’ll save big if you just switch your coverage to them. Is it even possible that every company can offer drivers better rates? This is the way they can do it.

All the different companies have specific criteria for the right customer that will most likely be profitable. For example, a profitable risk profile might be over age 30, has a clean driving record, and drives less than 7,500 miles a year. Any person who matches that profile receives the best prices and as a result will probably save a lot of money.

People who don’t meet the “perfect” profile may receive higher prices and this results in the customer buying from a different company. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can lure you into getting a quote. Because every company is different, you really should compare quotes as often as possible. It’s just too difficult to predict which company will give you lower premium rates than your current company.

These discounts can reduce auto insurance rates

Companies offering auto insurance do not advertise every policy discount very clearly, so the below list has both well-publicized and also the lesser-known auto insurance savings.

  • Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • Data Collection Discounts – People who choose to allow companies to monitor vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
  • Life Insurance – Insurance companies who offer life insurance give a discounted rate on car insurance if you buy a life insurance policy as well.
  • Homeowners Discount – Just owning your own home can earn you a little savings because maintaining a house requires personal responsibility.
  • Memberships – Affiliation with a qualifying organization can get you a small discount on your next auto insurance statement.
  • Discount for Swiching Early – A few auto insurance companies allow discounts for switching policies prior to the expiration date on your current policy. The savings is around 10%.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will definitely reduce your auto insurance premiums.

A list of companies and the discounts they provide can be found below.

  • State Farm has discounts for accident-free, passive restraint, anti-theft, Drive Safe & Save, good student, safe vehicle, and good driver.
  • American Family has savings for early bird, good driver, air bags, accident-free, TimeAway discount, mySafetyValet, and Steer into Savings.
  • GEICO includes discounts for defensive driver, multi-policy, military active duty, driver training, and seat belt use.
  • 21st Century may have discounts that include good student, teen driver, driver training, theft prevention, and defensive driver.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, online signing, and good student.

When comparing rates, check with each company how many discounts you can get. Some discounts listed above might not be offered in your area. To see auto insurance companies with significant discounts, click this link.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a fancy paint job covered?
  • Am I covered if I break a side mirror?
  • Do I need motorclub coverage?
  • Am I getting all the discounts available?
  • Why do I need rental car insurance?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like EMT expenses, dental work, chiropractic care and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, pain and suffering, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverage

This coverage covers damage to your Q5 caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, falling objects and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A little work can save a LOT of money

People switch companies for many reasons like high prices, questionable increases in premium, delays in paying claims and policy non-renewal. No matter why you want to switch, choosing a new insurance company can be less work than you think.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability coverage limits only to find out they didn’t have enough coverage. Your aim should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

We covered a lot of information how to lower your 2016 Audi Q5 insurance premium rates. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Additional information is available at the links below

Comments About 2016 Audi Q5 Insurance

  1. Tai Rivers

    Cheapest quote for my 2016 Audi Q5 was with Esurance. Teenage drivers are expensive!

  2. Laurence Webster

    Cheaper not always better. From a town just southwest of Lewiston, ME. Received quotes with Hanover, Auto-Owners, Mercury, and a couple others for my Audi and saved just over $210 a year. Teenage drivers are expensive!

  3. Bernie Nunez

    I can’t pay high rates. Checking in from Detroit, MI. Got rates from AAA, Safeco, and a few others for my 2016 Audi Q5 and saved just over $190 a year. Insured with Hanover before.

  4. Dianna Hayes

    Checking in from Houston, TX. Received quotes from Sentry, Encompass, GEICO, and Amica for my 2016 Audi Q5 and I think I am saving around $30 each month. Was with Hartford. Moved home policy as well. Not sure if rates are cheaper online or through an agent.

  5. Keely Sears

    Live in Saint Paul, MN. Quoted with Western Auto Insurance, Amica, Liberty Mutual, and Mercury for my Audi and cut my rates about $460 a year.

  6. Chaya Hancock

    I think I’m paying too much. I’m just west of Davenport, IA. Can’t remember who all I quoted but I ended up saving about $40 each month. Got better coverage too.

  7. Chasity Ware

    I went with GEICO at renewal. Best rates in Tucson, AZ. You can get a rate quote online.

  8. Bea Stone

    Lots of useful info here. I’m just west of Sioux Falls, SD. Compared rates from a lot of places. Saved roughly $40 a month. GEICO was the best choice for me.

  9. Marget Henderson

    I live on the south side of Hilo, HI. Checked online prices for a 2016 Audi Q5. Ended up at about $510 savings annually. Went with 21st Century. My new agent seems to be really good. Might find lower rates online.

  10. Marinda Newman

    Great site. I live just to the east of Evansville, Indiana. Got car insurance rates from Allstate, Auto-Owners, and Farmers for my Q5 and I think I saved about $40 each month. I’m a pretty low risk driver. Are quotes cheaper online?

  11. Sandie Baxter

    Does 21st Century settle claims fairly?

  12. Sherrie Irwin

    Just my two cents. I live north of Grand Rapids, Michigan. Went online for free insurance quotes for a 2016 Audi Q5. Ended up at about $540 savings annually. Went with GEICO. Thankfully I have a good driving record. Just waiting to see how claims go.

  13. Leroy Wilcox

    I live just outside Tulsa, Oklahoma. Got free quotes online for a 2016 Audi Q5. Ended up at about $160 savings annually. Went with 21st Century. Was with Esurance.

  14. Fredric Burks

    I got decent rates for a 2016 Audi Q5 in Grand Forks, ND. Ended up at roughly $510 every six months with Auto-Owners.

  15. Saran Bradford

    Not sure if this is cheap. Live in Birmingham, AL. Got car insurance quotes from Amica, Nationwide, and Western Auto Insurance for my 2016 Audi Q5 and saved just over $350 a year. Got better coverage too. I got a quote from their website.

  16. Bonita Lynn

    From northwest of Burlington, Vermont. Got car insurance rates from Progressive, Esurance, and Hartford for my Q5 and cut my rates about $170 a year. Left Hanover to switch. I’m a pretty low risk driver. I got a quote from their website.