How Much Does 2018 Audi A5 Car Insurance Cost?

Looking for lower car insurance rates for your Audi A5? Have you fallen victim to an expensive car insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the cheapest price

If you have car insurance now, you will be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. But drivers should learn how big insurance companies market on the web because it can help you find the best coverage.

Components of your Audi A5 insurance costs

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating auto insurance rates. If you understand what influences your rates, this enables informed choices that may result in cheaper rates.

The items below are some of the most common factors companies use to determine your rate level.

  • Can a thief steal your car? – Buying a car with advanced anti-theft systems can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft and help bring rates down.
  • Insurance companies don’t like frequent auto insurance claims – If you file a lot of claims you can expect much higher rates or policy non-renewal. Companies provide discounts to drivers who do not file claims often. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Put fewer miles on your vehicle – Driving a lot of miles in a year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that sit idle most of the time get more affordable rates than those that get driven frequently. It’s always a good idea to double check that your auto insurance policy shows the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your A5 can cost quite a bit.
  • Better prices on safer vehicles – Cars with five star safety ratings tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts and thus lower rates.
  • Experienced drivers pay less – Drivers with little experience have a tendency to be careless and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher. Parents adding a first-time driver onto your auto insurance can increase premiums substantially. More mature drivers are more responsible, file fewer claims .
  • Lower rates with continuous coverage – Letting your insurance expire is a fast way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Discounts for married couples – Your spouse can get you a discount compared to being single. Marriage generally demonstrates drivers are more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize every policy discount in a way that’s easy to find, so here is a list both the well known and the more hidden savings tricks you should be using when you buy auto insurance online.

  • No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and Progressive will forgive one accident before your rates go up with the catch being you have to be claim-free before the accident.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with discounted insurancerates on garaged vehicles.
  • Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Discounts for Good Drivers – Accident-free drivers can save as much as half off their rates on A5 coverage than drivers with accidents.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and a partial list of their discounts are detailed below.

  • State Farm may have discounts that include good driver, anti-theft, defensive driving training, Steer Clear safe driver discount, student away at school, and accident-free.
  • Geico may include discounts for membership and employees, multi-vehicle, multi-policy, anti-theft, and five-year accident-free.
  • Allstate offers discounts for eSmart discount, early signing, resident student, FullPay discount, economy car, and anti-theft.
  • SAFECO policyholders can earn discounts including accident prevention training, anti-lock brakes, anti-theft, safe driver, and teen safety rewards.
  • Farm Bureau has savings for driver training, multi-policy, youthful driver, multi-vehicle, and safe driver.
  • Progressive discounts include continuous coverage, online quote discount, homeowner, multi-vehicle, good student, and multi-policy.
  • AAA offers premium reductions for multi-car, good driver, good student, anti-theft, multi-policy, pay-in-full, and AAA membership discount.

If you need low cost auto insurance quotes, ask all the companies the best way to save money. Some discounts listed above may not apply to policyholders in your state. To see insurers who offer free insurance quotes, click here to view.

Well known brands might not be cheapest

Big name companies like 21st Century, Allstate and State Farm endlessly run ads on television and other media. All the companies state the claim about savings just by switching your car insurance policy to them. How does every car insurance company offer drivers better rates?

Many companies have specific criteria for the type of customer that will not have excessive claims. For example, a desirable insured may need to be over age 30, has a clear driving record, and drives less than 10,000 miles a year. Any driver that fits those parameters will probably get cheap prices and have a good chance to cut their rates if they switch.

Drivers who do not fit this stringent profile will have to pay higher premiums which translates to business not being written. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can confidently make those statements. Each company has different criteria, so you should compare free auto insurance quotes often. Because you never know the company that will provide the lowest prices.

Car insurance is unique, just like you

When choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • Do I pay less for low miles?
  • Do I need replacement cost coverage on my 2018 Audi A5?
  • Do I need more liability coverage?
  • Is extra glass coverage worth it?
  • Does car insurance cover theft of personal property?
  • What can I do if my company denied a claim?
  • What companies insure drivers after a DUI or DWI?
  • Should I bundle my homeowners policy with my auto?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

The coverage is in the details

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Audi A5.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, hospital visits, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your A5 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, crashing into a building and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hail damage and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

More effort can pay off

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

In this article, we presented some good ideas how you can lower your 2018 Audi A5 insurance prices. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest prices are with the least-expected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Cost effective 2018 Audi A5 insurance can be found from both online companies as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and most of the time these small, regional companies work with local independent agencies.

To read more, link through to the articles below:

Comments About 2018 Audi A5 Insurance

  1. Christin Donaldson

    From Dallas, Texas. I don’t recall every quote but I ended up saving about $20 each month.

  2. Mirta Cunningham

    Lifelong resident of Wichita, KS. Received quotes with State Farm, Hanover, and Farmers for my A5 and saved just over $510 a year. Have a couple speeding tickets too.

  3. Laquita Sloan

    Will Allstate rates go up if I file a claim?

  4. Homer Cunningham

    Not sure what I should be paying. Quoted with Safeco for my 2018 Audi A5 and saved around $300 a year. Left 21st Century to switch. They offer free online rate quotes.

  5. Marvin Workman

    Great info, thanks for posting. I live in Fairbanks, AK. I got free prices from 21st Century, Amica, and Erie for my 2018 Audi A5 and saved $233 a year. Was with Progressive. Good savings if you bundle. They offer free online rate quotes.

  6. Karan Winters

    Will Allstate do a SR22 in Virginia?

  7. Maisie Davis

    If you don’t have tickets and live around Newark, NJ, check out Allstate. You might save some money. Insured with Sentry before. Even increased coverage a bit. Can still barely afford it.

  8. Frances Mann

    Enjoyed the article. From south side of Davenport, IA. Can’t remember who all I quoted but I ended up saving about $50 each month. BTW speeding tickets are not good. Can still barely afford it.

  9. Thuy Mcbride

    Not sure if this is cheap. Proud to be from Great Falls, MT. Compared rates from a lot of places. Saved about $40 a month. Progressive was the best choice for me. Thankfully I’m not a high risk driver. It’s easy to compare rates online now.

  10. Pauletta Lara

    I live on the west side of Montgomery, AL. I quoted with GEICO, Liberty Mutual, and Farmers for my A5 and I’m now saving $42 a month. Insured with Auto-Owners before. Got better coverage too. I just quoted rates online.

  11. Refugio Rojas

    GEICO and Allstate were both pretty cheap in Overland Park, KS.