2015 Audi A5 Insurance Cost in 2024 – 6 Ways to Save

No normal person rejoices having to buy car insurance, in particular when they could find better prices if they shop around.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the lowest price

Smart consumers take time to compare premium rates yearly because car insurance prices trend upward over time. Just because you found the best rates on A5 coverage a year ago there may be better deals available now. There is a lot of wrong information about car insurance on the internet, but I’m going to show you some excellent ideas to slash your car insurance rates.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners benefit from understanding how companies market on the web because it can help you find the best coverage.

Where can I get cheap insurance?

When comparison shopping, there are several ways to get quotes from many different insurance companies. The easiest way by far to find the cheapest 2015 Audi A5 insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

1. The first (and easiest) way to compare a lot of rates at once is a comparison rater form. This easy form prevents you from having to do multiple quote forms for each company. Just one form gets you coverage quotes instantly.
2. A more time consuming way to get quotes online requires you to visit the website of each company and repeat the quote process. For sake of this example, we’ll assume you want to compare rates from GEICO, Safeco and Allstate. To find out each rate you need to spend time on each company’s site and repeatedly enter your information, which is why the first method is more popular.

Whichever way you choose to compare rates, ensure you’re using equivalent coverage data for each comparison quote. If you use different liability limits you will not be able to get a fair rate comparison. Slightly different insurance coverages or limits can result in a big premium difference. And when quoting insurance, remember that comparing a wide range of rates gives you a better chance of getting the best rates.

Be skeptical of insurance ads

Companies like State Farm and Allstate seem to constantly run television and radio advertisements. They all have a common claim that people will save if you change your policy. How is it possible that every company can cost less than your current company? Just pay attention to how they say it.

Many companies quote the lowest rates for the type of insured that will be a good risk. For example, a desirable insured could be a female over age 40, has a clear driving record, and drives less than 5,000 miles a year. Any person who fits those characteristics receive the lowest rate quotes and therefore will save when they switch companies.

People who are not a match for this stringent profile must pay a higher premium and the customer not purchasing. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully state the savings.

This illustrates why you should do a rate comparison at every renewal. It’s not possible to predict which insurance company will have the lowest premium rates for your situation.

Six discounts for cheap insurance coverage quotes

Some insurers don’t always advertise every discount they offer in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden credits available to bring down your rates.

• Low Mileage Discounts – Fewer annual miles on your Audi could qualify for lower prices on the low mileage vehicles.
• One Accident Forgiven – but some companies like Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
• Telematics Data Discounts – Insureds who allow driving data collection to spy on where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
• Organization Discounts – Being a member of certain professional organizations could earn you a nice discount on your next renewal.
• Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison to drivers with a long claim history.
• Theft Deterrent System – Vehicles that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.

If you would like to view insurance companies with discount rates, enter your zip code here.

You may need specialized insurance coverage coverage

When choosing coverage, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine if you could use an agent’s help.

• Do I benefit by insuring my home with the same company?
• Do I need rental car coverage?
• Can my teen drive my company car?
• Can I make deliveries for my home business?
• Am I covered if my car is in a flood?
• Should I buy more coverage than the required minimum liability coverage?
• If I drive on a suspended license am I covered?
• Is rental equipment covered for theft or damage?
• Do I need replacement cost coverage on my 2015 Audi A5?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete your zip code.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi A5.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – This covers damage to your A5 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, hitting a mailbox, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, X-ray expenses, hospital visits, EMT expenses and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – This will pay to fix 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 coverage pays for claims like a tree branch falling on your vehicle, fire damage, hitting a deer, theft and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

The bottom line

We’ve covered some good ideas how you can get a better price on 2015 Audi A5 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding cheap car insurance. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Affordable 2015 Audi A5 insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not have online price quotes and these regional insurance providers work with independent insurance agencies.