2008 Audi A5 Insurance Rates – 5 Tips to Save

Want the cheapest insurance coverage rates? Drivers have a choice when trying to find the lowest priced Audi A5 insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes. There are both good and bad ways to find insurance coverage online and you need to know the best way to price shop coverage for a Audi and find the lowest possible price either online or from local insurance agents.

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Drivers only need to know the most efficient way to compare company rates online.

The most recommended method to compare insurance rates from multiple companies is to take advantage of the fact almost all companies allow for online access to compare their rates. The only thing you need to do is provide the companies a bit of rating information like level of coverage desired, your occupation, whether your vehicle is owned or leased, and how much school you completed. That rating information is submitted instantly to many highly-rated insurers and you get price estimates quickly.

Drivers who switch save $412 a year? Really?

Consumers can’t ignore all the ads for cheaper car insurance by State Farm, Geico and Progressive. They all seem to make an identical promise that you can save if you move to their company.

But how can every company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For example, a profitable customer could possibly be over the age of 40, has no prior claims, and drives newer vehicles. Any driver who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Drivers who fall outside these standards will be charged a higher premium and ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can claim big savings. That is why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will have the lowest Audi A5 insurance rates.

Verify you’re getting all your discounts

Companies that sell car insurance do not list all available discounts very clearly, so here is a list some of the best known as well as the least known ways to save on auto insurance. If you’re not getting every credit possible, you are paying more than you should be.

  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates on auto insurance on A5 insurance.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

To see a list of providers with the best auto insurance discounts, follow this link.

When should I talk to an agent?

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • Is my Audi A5 covered if I use it for business?
  • Why is insurance for a teen driver so high?
  • Is a fancy paint job covered?
  • How can I force my company to pay a claim?
  • What is PIP insurance?
  • Is my nanny covered when driving my vehicle?
  • Is my trailer covered?
  • Do I pay less for low miles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What are the best liability limits?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover 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. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, medical services, court costs, loss of income and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, rehabilitation expenses, hospital visits, EMT expenses and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, fire damage, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance pays for damage to your A5 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, damaging your car on a curb, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Audi A5.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Compare but don’t skimp

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, denial of a claim, high rates after DUI convictions or even high prices. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

The cheapest 2008 Audi A5 insurance is possible on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. In too many instances, someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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