Compare 2015 Audi A5 Car Insurance Quotes

Searching for lower insurance coverage rates for your Audi A5? Feel like you’re a prisoner to high-priced insurance coverage? Believe me when I say there are many people just like you. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best rate

Consumers need to do rate comparisons every six months because rates change quite often. Despite the fact that you may have had the best price on A5 insurance a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you the tricks you need to know to find better rates and still maintain coverage.

If you have a current insurance coverage policy or need new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Finding the best rates is quite easy. Consumers only need an understanding of the tricks to get comparison quotes over the internet.

Free Quotes for Car Insurance

Effectively comparing car insurance prices can be challenging if you aren’t aware of the easiest way. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company returns a rated price based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare 2015 Audi A5 rates now click here to open in new window.

The only downside to getting quotes like this is you can’t choose which companies to receive prices from. So if you want to choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information with every price quote. If your comparisons have different deductibles you can’t possibly find the best deal for your Audi A5.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Most are applied when you purchase, but lesser-known reductions have to be asked for before you get the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
Multi-car Discount – Insuring more than one vehicle on the same car insurance policy can get a discount on all vehicles.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Accident Waiver – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on A5 insurance depending on your company.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

A partial list of companies that may offer these benefits are:

Before buying, ask each company how you can save money. Savings might not apply everywhere.

When might I need an agent?

When it comes to buying coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

What is the minimum liability in my state?
At what point should I drop full coverage?
Should I bundle my homeowners policy with my auto?
Where can I find high-risk insurance?
I have a DUI can I still get coverage?
Is rental equipment covered for theft or damage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, pain and suffering, structural damage, emergency aid and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed, fire damage and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi A5.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Coverage for collisions

This coverage will pay to fix damage to your A5 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with a tree, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, prosthetic devices, pain medications, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage