2014 Audi A5 Car Insurance Quotes

Trying to find lower car insurance rates for your Audi A5? Are you a victim of high-priced car insurance? Believe me when I say there are lots of people in the same boat.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a provider and uncover the absolute lowest cost out there.

You should make it a habit to do rate comparisons once or twice a year because insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates on A5 coverage two years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Finding the best rates is easy if you know what you’re doing. Nevertheless, vehicle owners can benefit from knowing how big insurance companies market on the web.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but a few need to be specially asked for in order for you to get them.

  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Accident Free – Good drivers with no accidents can save substantially when compared to bad drivers.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% on A5 coverage.
  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Safe Driver Discount – Safe drivers may save up to 50% more on A5 coverage than less cautious drivers.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way. But any discount will help reduce your overall premium however.

Companies who might offer these money-saving discounts include:

Check with each company which discounts they offer. Savings may not apply in your state.

Elements that influence Audi A5 insurance rates

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Keep rates low by being claim-free – Insurance companies provide better rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Traffic citations inflate rates – Your driving record has a lot to do with how much you pay for insurance. Good drivers receive lower rates compared to drivers with tickets. Even one speeding ticket can increase rates by twenty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Do you need those extra coverages? – There are a lot of additional coverages you can purchase when buying insurance coverage. Coverages for personal injury protection, better glass coverage and membership fees are examples of these. They may seem good at first, but your needs may have changed so eliminate them to save money.
  • Being married is a good thing – Having a wife or husband can actually save you money on insurance coverage. Having a spouse usually means you are more responsible and statistics show drivers who are married are more cautious.
  • Better credit means lower rates – Having a bad credit score is a big factor in your rate calculation. People with high credit scores tend to be more responsible than drivers with lower credit scores. If your credit is low, you could potentially save money when insuring your 2014 Audi A5 by spending a little time repairing your credit.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a sure-fire way to increase your insurance coverage rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

When should I talk to an agent?

When choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if you may require specific advice.

  • Does my 2014 Audi A5 need full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to my business vehicle?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Is there truth in advertising?

Companies like Geico, State Farm and Progressive consistently run television and radio advertisements. All the ads say the same thing of big savings if you change to them. How do they all make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be profiled as a mature driver, is a homeowner, and drives less than 7,500 miles a year. A driver who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who do not match the requirements will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save money. That is how companies can truthfully make those claims.

Because of the profiling, drivers should get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, prosthetic devices, hospital visits, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

Liability insurance protects you from damage or injury you incur to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount 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 it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Audi A5.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Auto collision coverage

This coverage pays for damage to your A5 resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Smart shoppers get results

In this article, we covered a lot of ways to compare 2014 Audi A5 insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

Affordable insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best selection. A few companies don’t offer online quoting and these smaller companies work with independent agents.

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