How Much Does 2016 Audi A5 Car Insurance Cost?

If you are a novice to online auto insurance shopping, you may be confused by the vast assortment of auto insurance companies offering coverage.

It’s important to get comparison quotes quite often because insurance rates change quite often. Just because you found the best rate on A5 coverage a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re going to learn the proper way to find lower rates on auto insurance.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. The purpose of this post is to help educate you on how to effectively get price quotes and some tips to save money. Nevertheless, vehicle owners need to learn the way insurance companies compete online because it can help you find the best coverage.

How to buy auto insurance online

There are multiple methods you can shop for auto insurance but some are easier and takes less work. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program that allows shoppers to submit their information once, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for every auto insurance company.

To find out how much you’re overpaying now click to open in new window.

The only drawback to comparing rates this way is that you can’t choose the providers you want pricing from. So if you prefer to choose specific providers for rate comparison, we have a page of companies who write auto insurance in your area. View list of insurance companies.

The method you choose is up to you, but try to use apples-to-apples coverage limits for each comparison quote. If each company quotes mixed coverages then you won’t be able to make a fair comparison for your Audi A5. Just slight variations in limits could skew the results. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting more affordable rates.

Discounts to earn lower-cost auto insurance rates

Companies that sell car insurance don’t always list every available discount very well, so below is a list some of the best known and the harder-to-find credits available to you. If you are not receiving all the discounts possible, you’re just leaving money on the table.

E-sign Discounts – Some of the larger companies may give you up to $50 get auto insurance on their website.
Defensive Driver Discount – Successfully completing a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
Renewal Discounts – Select larger companies give a discount for switching companies before your current policy expires. You may see this discount when you get auto insurance quotes online.
Memberships – Being a member of a civic or occupational organization could earn you a nice discount on auto insurance.
Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
Low Mileage – Keeping the miles down on your Audi can qualify you for cheaper premium rates.
Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. But all discounts will bring down your policy premiums.

Large auto insurance companies and a selection of discounts are included below.

Geico offers discounts for driver training, membership and employees, five-year accident-free, multi-policy, multi-vehicle, good student, and military active duty.
Travelers discounts include multi-car, IntelliDrive, good student, payment discounts, and early quote.
Nationwide has discounts for defensive driving, multi-policy, anti-theft, easy pay, business or organization, family plan, and Farm Bureau membership.
Farmers Insurance may include discounts for business and professional, bundle discounts, distant student, multi-car, alternative fuel, and homeowner.
Esurance includes discounts for good student, multi-car, defensive driver, renters, multi-policy, and anti-lock brakes.
State Farm may have discounts that include Drive Safe & Save, safe vehicle, multiple autos, good student, driver’s education, and passive restraint.
Progressive may offer discounts for online quote discount, continuous coverage, multi-vehicle, online signing, and multi-policy.
Mercury Insurance has savings for location of vehicle, accident-free, multi-policy, multi-car, and low natural disaster claims.

When comparing rates, check with each company which credits you are entitled to. All car insurance discounts may not apply to policyholders in your area. To locate insurance companies who offer cheap auto insurance quotes, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether you may require specific advice.

How can I get my company to pay me more for my totalled car?
Do all my vehicles need collision coverage?
Is my state a no-fault state?
Is my business laptop covered if it gets stolen from my vehicle?
Are all vehicle passengers covered by medical payments coverage?
Am I covered if I hit a deer?
Am I covered if I hit my neighbor’s mailbox?
When do I need to add a new car to my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for dental work, prosthetic devices, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2016 Audi A5.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hitting a deer, vandalism, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as emergency aid, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.