2017 Audi A5 Insurance Quotes – 6 Tricks for Cheaper Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute best rates possible.

The method we recommend to get rate comparisons is to know auto insurance companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details like marital status, driver ages, the type of vehicles you drive, and if it has an anti-theft system. Those rating factors is instantly sent to multiple different insurance companies and you receive quotes quickly.

Do car insurance companies bend the truth?

Companies like State Farm, Geico and Progressive consistently run ads in print and on television. All the ads say the same thing about savings if you change your coverage to them. How do they all claim to save you money?

All the different companies can use profiling for the driver that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for the “perfect” profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently advertise the savings. This emphasizes why you need to get as many quotes as possible. It’s just too difficult to predict which car insurance company will provide you with the cheapest Audi A5 insurance rates.

Don’t pay full price with these six discounts

Companies offering auto insurance don’t always publicize all available discounts very well, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because owning a home shows financial diligence.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurance companies offering insurance coverage discounts, click here to view.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • Who is covered by my policy?
  • Is rental equipment covered for theft or damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need medical payments coverage since I have good health insurance?
  • I have a DUI can I still get coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Auto liability

This coverage can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like loss of income, attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like hospital visits, surgery, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed, hitting a bird and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your A5 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Shop smart and save

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Cheaper 2017 Audi A5 insurance can be sourced online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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