2016 Audi SQ5 Insurance Rates in 2024 – 10 Ideas for Best Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

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 11, 2024

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Finding affordable car insurance can be challenging if you are one of the millions of people new to online price comparisons. But keep reading because finding more affordable rates is actually fairly simple.

Finding insurance coverage

There are multiple methods to compare insurance coverage quotes, but some are more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Many of the larger companies belong to a marketplace where insurance shoppers complete one form, and each company returns a competitive quote based on that data. This prevents consumers from doing quote forms to every company.

To participate in this free quote system, enter your zip code here.

The only drawback to doing it this way is you cannot specify the providers to get quotes from. If you prefer to choose individual companies for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click to enter zip code.

Compare rates however you want, just try to use exactly the same coverage information on every price quote you get. If you use mixed coverages it will be very difficult to determine the lowest rate for your Audi SQ5. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that quoting more helps increase your odds of locating better pricing. Not every company does online rate quotes, so you also need to get quotes on coverage from those companies, too.

Insurance policy discounts

Auto insurance companies don’t list every available discount very clearly, so the below list has some of the more common as well as the least known ways to save on insurance.

  • No Accidents – Drivers who stay claim-free pay much less as opposed to policyholders that have many claims.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Senior Citizen Discount – Drivers over the age of 55 can get a discount up to 10% for SQ5 insurance.
  • Early Signing – Some insurance companies provide a discount for buying a policy before your current coverage expires. You can save around 10% with this discount.
  • Include Life Insurance and Save – Select companies reward you with a break if you buy a life policy as well.
  • Cautious Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for SQ5 insurance than drivers with accident claims.
  • Memberships – Being a member of a qualifying organization could earn you a nice discount on your policy.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may have a lower total premium amount.

Please keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.

The best insurance companies and some of the discounts can be read below.

  • American Family discounts include Steer into Savings, good student, mySafetyValet, defensive driver, bundled insurance, and air bags.
  • Nationwide offers discounts for easy pay, good student, business or organization, defensive driving, and Farm Bureau membership.
  • MetLife may include discounts for good student, claim-free, good driver, multi-policy, accident-free, defensive driver
  • 21st Century may have discounts that include automatic seat belts, homeowners, air bags, driver training, student driver, defensive driver, and teen driver.
  • Farmers Insurance offers premium reductions for alternative fuel, distant student, teen driver, pay in full, mature driver, and youthful driver.
  • Allstate may offer discounts for senior citizen, FullPay discount, safe driver, farm vehicle, premier plus, good student, and utility vehicle.

Before purchasing a policy, check with each company to apply every possible discount. All car insurance discounts may not be available in your state. For a list of providers who offer discounts, enter your zip code here.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs might need professional guidance.

  • What is an SR-22 filing?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I benefit by insuring my home with the same company?
  • Do I pay less for low miles?
  • Do I have newly-acquired coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • How high should my medical payments coverage be?
  • What is no-fault insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out your zip code.

What insurance coverages do you need?

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi SQ5.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liability limits.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, court costs and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, funeral costs and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your SQ5 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, rolling your car, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, damage from flooding and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

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