2021 Audi A5 Car Insurance Cost in 2024 – 7 Ideas for Cheaper Prices

Looking for the cheapest insurance coverage rates for your Audi A5? Finding the cheapest insurance for an Audi A5 can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find insurance coverage online and we’ll show you the proper way to price shop coverage for a new or used Audi and get the lowest possible price from both online companies and local agents.

It’s important to quote other rates quite often because prices fluctuate regularly. If you had the lowest quotes on A5 coverage six months ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to learn the proper way to find better coverage at a better price.

If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Locating cheaper auto insurance coverage is not that difficult. Drivers just need to know the most effective way to shop for auto insurance on the web.

The quickest way to compare policy rates utilizes the fact car insurance companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is give them some information like whether you are single or married, your general credit rating, what you do for a living, and if a SR-22 is required. The data is then submitted to insurance carriers in your area and they return rate quotes almost instantly.

Get cheap rates with these seven discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that can dramatically reduce your bill. Some trigger automatically at quote time, but some must be specially asked for before you will receive the discount. If you do not double check each discount you qualify for, you’re paying more than you need to.

• Good Grades Discount – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Low Mileage Discounts – Driving less may allow you to get better rates on cars that stay parked.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
• Theft Deterrent Discount – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could get a discount of 10% to 20% off each policy.
• Discount for Home Ownership – Owning a house can save a few bucks because of the fact that having a home requires a higher level of personal finance.

Remember that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer most of the discounts above may include but are not limited to:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

It’s a good idea to ask all companies you are considering how you can save money. Some credits might not be offered in every state. If you would like to see a list of providers that have a full spectrum of discounts, enter your zip code here.

Auto insurance can be complex

When choosing the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

• Does my insurance cover a custom paint job?
• Do I have any recourse if my insurance company denies a claim?
• At what point should I drop full coverage?
• What is the difference between comprehensive and collision coverage?
• Is my dog or cat covered if injured in an accident?
• Does my car insurance cover rental cars?
• How does medical payments coverage work?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How can I get high-risk coverage after a DUI?
• Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and can help protect your family.

Insurance coverages 101

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for funeral costs, surgery, hospital visits and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

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 for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like pain and suffering, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision insurance

Collision coverage covers damage to your A5 resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed, falling objects and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Audi A5.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.