Compare 2013 Audi A5 Insurance Quotes

Trying to find better insurance coverage rates? Buyers have options when searching for the best price on Audi A5 insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the best way to get price quotes for a new or used Audi and get the lowest price either online or from local insurance agents.

You should make it a habit to get comparison quotes every six months because rates are adjusted regularly by insurance companies. Just because you found the lowest rates for A5 coverage two years ago a different company probably has better rates today. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to reduce your cost while improving coverage.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Certain discounts will be applied at quote time, but some must be specially asked for prior to getting the savings. If you don’t get every credit available, you’re paying more than you need to.

  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for A5 coverage depending on your company.
  • Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Accident Free – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Club Memberships – Participating in a qualifying organization could trigger savings on your policy for A5 coverage.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for A5 coverage than drivers with accidents.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut your premiums.

For a list of insurers who offer auto insurance discounts, click here to view.

These factors can influence Audi A5 insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the items used by your company to calculate rates.

  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on higher rates. Insurance companies provide lower rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • More miles equals more premium – The higher the mileage driven every year the more you will pay for insurance coverage. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your A5 can cost quite a bit. Make sure your insurance coverage declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Good drivers have lower premiums compared to drivers with tickets. Even one speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Better credit scores mean better rates – Credit score is a big factor in calculating your insurance coverage rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. Therefore, if your credit rating is low, you could potentially save money when insuring your 2013 Audi A5 by repairing your credit.
  • How many coverages with the same company – Many insurance coverage companies give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money.
  • No coverage gaps is important – Driving without insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance can result in a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Safe vehicles cost less to insure – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Audi A5 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Adjust deductibles and save – Physical damage deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more you’re willing to pay, the less your insurance coverage will be for A5 coverage.

When should I talk to an agent?

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Is business property covered if stolen from my car?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I crash into my own garage door?
  • When should I remove comp and collision on my 2013 Audi A5?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Don’t listen to company ads

Drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all have a common claim of big savings if you change your policy.

How do they all say the same thing?

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 50, owns a home, and has excellent credit. A customer who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential insureds who are not a match for this ideal profile will have to pay a more expensive rate and this can result in the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can claim big savings.

Because of the profiling, you need to compare as many rates as you can. It’s just too difficult to predict which auto insurance company will provide you with the cheapest Audi A5 insurance rates.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for funeral costs, pain medications, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

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

Collision coverage protects against things such as colliding with a tree, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2013 Audi A5.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage at a price you can afford.

Drivers switch companies for a number of reasons such as delays in paying claims, high prices, delays in responding to claim requests or extreme rates for teen drivers. Whatever your reason, switching companies is easier than you think.

Throughout this article, we presented many tips how you can compare 2013 Audi A5 insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced insurance comes from a small local company.

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