2017 Audi A5 Car Insurance Cost in 2024 – 5 Savings Tips

Trying to find cheaper insurance coverage rates for your Audi A5? Consumers new to comparing car insurance prices on the web will find sourcing the cheapest car insurance is nearly impossible.

It’s a good habit to do price comparisons quite often because insurance prices are constantly changing. Despite the fact that you may have had the best price for A5 insurance two years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the best way to properly buy coverages and cut your premium.

How to buy insurance coverage

Comparing insurance coverage rates can take hours if you aren’t aware of the best way to get rate quotes. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use online quotes to get prices fast.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and every company then returns a price quote. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To compare pricing enter your zip code here.

The only drawback to getting quotes like this is that consumers can’t choose the companies you want pricing from. If you prefer to choose specific providers to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code.

However you get your quotes, do your best to enter exactly the same deductibles and coverage limits with every price quote. If your comparisons have different deductibles it’s not possible to determine the best price for your Audi A5. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that getting more free quotes helps you find more affordable rates. Not every company allows you to get online quotes, so it’s important to also get quotes from the smaller companies as well.

Use discounts on insurance

Insurance is neither fun to buy or cheap, but you might be missing out on some discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but occasionally some discounts must be specifically requested before being credited.

• Accident Waiver – but companies like State Farm and Progressive will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
• Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates for A5 insurance.
• Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction for A5 insurance with select insurance companies.
• Bundle and Save – When you have multiple policies and insure them both with the same insurance company you could save at least 10 to 15 percent or more.
• Defensive Driver Discount – Successfully completing a safe driver course can save you 5% or more and easily recoup the cost of the course.

Please keep in mind that most credits 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 fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

Some of the insurance companies that possibly offer these money-saving discounts include:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

If you are trying to find inexpensive car insurance quotes, ask every prospective company which credits you are entitled to. A few discounts may not be available in your area. If you would like to view insurance companies offering insurance discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you might need an agent’s assistance.

• What if I owe more than I can insure my car for?
• Which is better, split liability limits or combined limits?
• Does coverage extend to a rental car in a foreign country?
• Am I insured when driving a different vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• At what point should I drop full coverage?
• Do I need replacement cost coverage on my 2017 Audi A5?
• Are all vehicle passengers covered by medical payments coverage?
• Can I afford low physical damage deductibles?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, rock chips in glass and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision protection

This pays for damage to your A5 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

This can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, medical expenses, funeral expenses, structural damage and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

One last thing about your coverage

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. Your goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

More affordable insurance coverage can be sourced both online and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies may not offer rates over the internet and many times these smaller providers provide coverage only through independent agencies.

In this article, we presented quite a bit of information on how to get a better price on 2017 Audi A5 insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting low cost car insurance. You may even find the best price on insurance coverage is with a smaller regional carrier.