Cheapest 2013 Audi A5 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Saving money on insurance coverage is always hard for beginners to buying insurance online. People have so many choices that it can easily become a big hassle to compare prices.

Cheap Insurance Coverage Comparisons

Shopping for lower insurance coverage rates can be a daunting task if you don’t understand the most efficient way to do it. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use online quoting to get the quickest rates.

Many companies take part in a program where insurance shoppers submit one quote, and each participating company can provide price quotes determined by their information. This saves time by eliminating form submissions for each company you want a rate for. To submit your quote information now, click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify the insurers to receive prices from. So if you want to choose individual companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use identical information with every price quote. If your comparisons have mixed coverages it will be impossible to decipher which rate is best. Quoting even small variations in coverages may cause a big price difference. Keep in mind that having more price comparisons helps locate a lower rate.

These discounts can lower your rates

Companies offering auto insurance do not list all their discounts very well, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on A5 insurance.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.

As a disclaimer on discounts, some credits don’t apply the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask every prospective company how you can save money. Discounts may not be available in your area.

Different people need different coverages

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you may require specific advice.

  • When should I remove comp and collision on my 2013 Audi A5?
  • Am I covered by my spouse’s policy after a separation?
  • If my 2013 Audi A5 is totaled, can I afford another vehicle?
  • Should I rate my 2013 Audi A5 as pleasure use or commute?
  • Is my 2013 Audi A5 covered for flood damage?
  • Am I missing any policy discounts?
  • Am I covered if my car is in a flood?
  • How can I get my company to pay me more for my totalled car?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for rehabilitation expenses, hospital visits, ambulance fees and pain medications. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Audi A5.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance pays for damage to your A5 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, hail damage and fire damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – This protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

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. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 2013 Audi A5 in 2023?

To find the cheapest auto insurance rates for your 2013 Audi A5 in 2023, you can use our free quote tool by entering your ZIP code. It will provide you with a list of companies that offer cheap auto insurance rates in your area.

What factors should I consider when comparing insurance coverage rates?

When comparing insurance coverage rates, it’s important to consider factors such as the level of coverage offered, deductibles, discounts available, and the reputation and financial stability of the insurance companies. It’s also crucial to provide identical information for each quote to ensure accurate comparisons.

What are some discounts available that can help lower my insurance rates?

Insurance companies offer various discounts that can help lower your rates. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for anti-theft devices or safety features in your vehicle. It’s recommended to ask each prospective company about the specific discounts they offer.

How do I know which coverages I need for my auto insurance policy?

The coverages you need for your auto insurance policy depend on your specific situation. Factors such as your vehicle’s value, your driving habits, and your personal preferences should be taken into account. Common coverages include liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. Consulting with a licensed agent can help you determine the coverages that best suit your needs.

What is the purpose of auto liability coverage?

Auto liability coverage protects you from the financial consequences of causing damage or injury to others in an accident. It covers expenses such as property damage, medical bills, and legal costs if you are found at fault. The liability coverage limit is usually expressed as three numbers, such as 50/100/50, representing the bodily injury coverage per person, bodily injury coverage per accident, and property damage coverage, respectively. It’s important to choose liability coverage limits that adequately protect your assets and financial well-being.

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