2012 Audi A5 Insurance Rates – 7 Tricks for Cheapest Quotes

Searching for better insurance rates for your Audi A5? Having to pay for overpriced insurance can drain your bank account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances. Having so many choices of insurance companies, it is very difficult to locate the best insurer.

Finding affordable coverage is not that difficult. If you are insured now or need a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Vehicle owners just need to know the tricks to buy auto insurance online.

Insurance Quote Comparison

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Most of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that data. This eliminates the need for quote requests to each individual insurance company. To compare 2012 Audi A5 rates using this form now click here (opens in new window).

The only drawback to pricing coverage this way is you don’t know exactly the companies you want pricing from. So if you want to choose specific insurance companies to compare, we put together a list of companies who write insurance in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare the exact same coverage limits and deductibles for every quote you compare. If each company quotes different values for each quote you can’t possibly make an equal comparison.

Get lower rates on 2012 Audi A5 insurance

Companies offering auto insurance don’t necessarily list every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Low Mileage Discounts – Keeping the miles down on your Audi can qualify you for a substantially lower rate.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Claim Free – Claim-free drivers pay less when compared with bad drivers.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

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

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when using my vehicle for business?
  • Do I need replacement cost coverage on my 2012 Audi A5?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for an Audi A5

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for hospital visits, surgery, dental work and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Audi A5.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, damage from flooding and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your A5 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, driving through your garage door, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Be a Smart Shopper

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price.

Cheap 2012 Audi A5 insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

More information is located at the links below