Save on 2019 Audi Q5 Car 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: May 12, 2024

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Having to pay for high-priced auto insurance can bottom out your budget and put the squeeze on your family’s finances. Shopping your coverage around can be a smart way to lower your bills every month.

People have so many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

It’s smart to compare prices at least once a year because insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes for Q5 coverage a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to show you the only way to properly buy coverages and cut your premium.

Finding affordable protection is quite easy. If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. Drivers just need to understand the proper methods to buy insurance coverage online.

Which insurance is cheapest?

Reducing your 2019 Audi Q5 insurance rates is a fairly straight forward process. You just have to spend a few minutes on the computer to get quotes online with multiple companies. Insurance prices can be quoted using one of these methods.

Experts agree that the best way to find low rates would be an industry-wide quote request form. This form keeps you from doing repetitive form submissions for every company. Completing one form will return price quotes from multiple low-cost companies.

A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for every company you want to compare and fill out a new quote form. For sake of this example, let’s assume you need rates from Liberty Mutual, Allstate and Farmers. In order to get each rate, you would have to take the time to go to each site and enter your policy data, which can get old fast.

The method you choose is up to you, but be certain you are entering nearly identical deductibles and coverage limits with each company. If you enter different data it will be impossible to determine the lowest rate for your Audi Q5.

Can switching companies really save?

Consumers can’t get away from all the ads that promise big savings by companies like Allstate and Progressive. They all seem to say the same thing about saving some big amount if you get a free insurance quote and switch to them.

How do they all sell you cheaper insurance coverage? It’s all in the wording.

Auto insurance companies are able to cherry pick for the type of insured that will generate a profit. An example of a profitable insured may be over the age of 35, has other policies, and drives less than 7,500 miles a year. Any driver that meets those criteria may get the lowest premium rates and is almost guaranteed to save a lot of money.

People who don’t qualify for those criteria must pay a higher rate which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can make it sound like they have such great rates.

Different companies use different criteria so it is so important to do a quote comparison often. It’s just not possible to know the company that will fit you best based on your risk profile.

These discounts can lower your car insurance rates

Companies that sell car insurance do not list their entire list of discounts very well, so the next list breaks down some of the more common and the more hidden discounts you could be receiving when you buy insurance online.

  • Data Collection Discounts – Policyholders that allow driving data submission to analyze vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Multiple Vehicles – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Q5 coverage with some car insurance companies.
  • Professional Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when getting a insurance quote.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Bundle and Save – If you combine your auto and home policies and place coverage with the same company you could save nearly 15% which can help you find cheaper insurance.
  • Homeowners Savings – Owning a home can get you a discount because it is proof that your finances are in order.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works.

Some of the larger companies that may offer many of the previously listed discounts possibly include:

  • GEICO
  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

When getting free insurance quotes, it’s a good idea to all the companies which discounts they offer. All car insurance discounts might not be available to policyholders in your area. To locate providers with the best car insurance discounts, enter your zip code here.

Different people need different auto insurance coverages

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out whether your personal situation may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is extra glass coverage worth it?
  • Does liability extend to a camper or trailer?
  • Can my teen drive my company car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, fire damage, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Audi Q5.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for ambulance fees, dental work, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Keep this in mind

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

We just presented many ways to lower your 2019 Audi Q5 insurance car insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper insurance. Consumers may even find the biggest savings come from a smaller regional carrier. Regional companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

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