2014 Audi A5 Insurance Quotes

Want cheaper insurance coverage rates for your Audi A5? I can’t think of anyone who looks forward to buying insurance coverage, especially when they are paying too much.

Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few need to be requested specifically before you will receive the discount.

  • Organization Discounts – Affiliation with certain professional organizations may earn a discount when buying auto insurance for A5 insurance.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for A5 insurance than drivers with accident claims.
  • Low Mileage – Keeping the miles down on your Audi can qualify you for a substantially lower rate.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

Car insurance companies that may have these money-saving discounts are:

Double check with all companies you are considering which discounts they offer. Savings may not be available in every state.

Insurance Comparisons

Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies take part in a program where prospective buyers submit their information once, and each company returns a rated price for coverage. This system prevents you from having to do form submissions to every company. To compare 2014 Audi A5 rates now click here (opens in new window).

The one downside to getting quotes like this is you can’t choose which providers to receive prices from. So if you want to select specific providers for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverage information on every quote. If you enter higher or lower deductibles you will not be able to determine which rate is truly the best. Slightly different coverages may result in large price differences. And when comparing insurance rates, know that getting more free quotes provides better odds of finding the best offered rates.

Audi A5 premiums are determined by many factors

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Audi A5 earned at least four stars on Safercar.gov you are probably receiving a discount.
  • High deductibles save money – The deductibles represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more expense you’re willing to pay, the bigger discount you will receive for A5 insurance.
  • Liability coverage protects you – Liability insurance will protect you when you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • Is my Audi A5 covered if I use it for business?
  • Is my ex-spouse still covered by my policy?
  • What can I do if my company denied a claim?
  • Are split liability limits better than a combined single limit?
  • How do I file an SR-22 for a DUI in my state?
  • What discounts do I qualify for?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like State Farm and Allstate regularly use television and radio advertisements. They all make the same claim that you can save if you move to their company. But how can every company make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a driver they prefer could possibly be between 30 and 50, has no driving citations, and has excellent credit. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who fall outside the requirements will be charged higher prices and ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way companies can make the claims of big savings.

That is why drivers should compare many company’s rates. Because you never know which auto insurance company will give you the biggest savings on Audi A5 insurance.

Auto insurance 101

Having a good grasp of auto insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a deer, damage from flooding, falling objects and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision insurance covers damage to your A5 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, structural damage, loss of income, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, chiropractic care, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More choices the merrier

Budget-conscious 2014 Audi A5 insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of information how to get a better price on insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

More information is available below: