2017 Audi A5 Insurance Quotes – 5 Tips for Best Rates

Want lower car insurance rates for your Audi A5? Frustrated by the wide range of car insurance companies that you can choose from? People have so many companies to choose from that it can easily become a difficult situation to locate the lowest rates.

You may qualify for discounts

Some insurance providers don’t always list every possible discount very clearly, so we took the time to find a few of the more well known and the harder-to-find ways to save on car insurance.

• Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.
• Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Online Discount – A handful of larger companies will give a small break for completing your application on your computer.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote in comparison to drivers with a long claim history.

It’s important to understand that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky. But all discounts will help lower your policy cost.

A list of companies and some of the discounts can be read below.

• Geico offers discounts including multi-vehicle, five-year accident-free, emergency military deployment, defensive driver, federal employee, and membership and employees.
• Auto-Owners Insurance may offer discounts for anti-lock brakes, safe vehicle, student away at school, good student, air bags, paid in full, and multi-policy.
• American Family offers premium reductions for good driver, bundled insurance, air bags, mySafetyValet, TimeAway discount, multi-vehicle, and Steer into Savings.
• Esurance has savings for paid-in-full, anti-theft, anti-lock brakes, multi-car, and Switch & Save.
• Progressive may have discounts that include good student, online signing, online quote discount, multi-vehicle, multi-policy, homeowner, and continuous coverage.
• State Farm discounts include good student, driver’s education, multiple autos, multiple policy, anti-theft, and safe vehicle.
• AAA may include discounts for multi-car, multi-policy, good student, pay-in-full, education and occupation, and anti-theft.

When comparing rates, check with every insurance company which discounts they offer. Some discounts listed above may not apply to policyholders in your area. If you would like to view car insurance companies that can offer you the previously mentioned discounts, click here to view.

Compare insurance coverage rate quotes online

Most companies such as 21st Century, Allstate and State Farm allow consumers to get coverage prices online. The process is pretty painless as you simply type in into a form. Once you submit the form, the company’s rating system orders credit information and your driving record and returns a price quote determined by many factors.

Quoting online simplifies rate comparisons, but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it is imperative to perform this step in order to get the best price on insurance coverage.

The better way to compare rates

A quicker way to lower your insurance coverage bill uses just one form to get prices from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes a little more enjoyable. Once the form is submitted, it gets priced and you can select any one of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.

In order to get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended that you enter the coverage information as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes based on similar coverages.

There’s no such thing as the perfect insurance coverage policy

When choosing the best insurance coverage coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• Exactly who is provided coverage by my policy?
• I don’t drive much so do I pay less?
• Will I be non-renewed for getting a DUI or other conviction?
• Is other people’s property covered if stolen from my vehicle?
• What is no-fault insurance?
• Are rock chip repairs covered?
• Am I covered if I drive in a foreign country?
• Am I covered if hit by an uninsured driver?
• What is the ISO rating for a 2017 Audi A5?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, structural damage and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage

This will pay to fix damage to your A5 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A5.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, doctor visits, pain medications and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Have money to burn

Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers sell through local independent agencies. Cheap 2017 Audi A5 insurance can be bought from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage only to discover later that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

You just read many ways to shop for 2017 Audi A5 insurance online. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the best price on insurance coverage is with a lesser-known regional company.

Additional articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driving Statistics (Geico)
• Understanding Limits and Deductibles (Allstate)