How Much Does 2015 Audi SQ5 Insurance Cost?

Paying for high-priced Audi SQ5 insurance can empty your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible.

You should take the time to get comparison quotes once or twice a year because rates change quite often. Even if you got the lowest price on SQ5 insurance six months ago the chances are good that you can find a lower rate today. So just block out anything you think you know about insurance coverage because I’m going to teach you the best way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners benefit from understanding the way insurance companies market on the web and use this information to your advantage.

Pieces of the Audi SQ5 insurance rate puzzle

Smart consumers have a good feel for the factors that go into determining the rates you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • With age comes lower rates – Teenage drivers are known to be more careless behind the wheel so insurance rates are higher. Having to add a teen driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Audi is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Don’t cancel a policy without a new one in place – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations such as doctors, social workers and accountants tend to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, professions such as actors, athletes and performers receive lower rates on SQ5 insurance.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Just one ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.

The quickest method to compare car insurance rates utilizes the fact most larger insurance companies provide online access to provide you with free rate quotes. The one thing you need to do is provide a small amount of information like the year, make and model of vehicles, whether the vehicles are used for commuting, if the vehicle is leased, and what your job is. The data is then submitted to many highly-rated insurers and they return rate quotes very quickly.

To find lower rates now, click here and enter your coverage details.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Senior Discount – Mature drivers may qualify for a discount up to 10% on SQ5 insurance.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on SQ5 insurance with select insurance companies.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. But all discounts will reduce your premiums.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Discounts may not apply everywhere.

Car insurance is unique, just like you

When buying the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether or not you might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • Can my teen drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?
  • Should I buy only the required minimum liability coverage?
  • Does having multiple vehicles earn me a discount?

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

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, ambulance fees, pain medications and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2015 Audi SQ5.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision coverage

This covers damage to your SQ5 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance

This provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, medical services, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, hail damage, damage from getting keyed and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Make a quick buck

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price.

Cheaper 2015 Audi SQ5 insurance is possible from both online companies and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Much more information about insurance can be read below: