2022 Audi A5 Insurance Cost in 2024 – 8 Tips for Best Prices

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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 21, 2024

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I can’t think of anyone who looks forward to paying for insurance coverage, especially when they are aware that the price is too high.

Many car insurance companies compete for your business, so it’s not easy to compare every insurer and get the best coverage at the best rate

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is not that difficult. But vehicle owners do need to know how insurance companies sell insurance online and apply this information to your search.

Eight discounts to earn lower-cost insurance rates

Insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be specifically requested in order for you to get them.

  • More Vehicles More Savings – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
  • Mature Driver Discount – Older drivers may qualify for a small discount on rates for A5 insurance.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for A5 insurance with select insurance companies.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO may permit one accident before hitting you with a surcharge if you have no claims before the accident.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with substantially lower rates.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think you could get a free insurance policy, nobody gets a free ride.

Large insurance companies and their possible discounts can be read below.

  • GEICO has savings for defensive driver, multi-policy, membership and employees, multi-vehicle, anti-lock brakes, and air bags.
  • MetLife includes discounts for good student, defensive driver, multi-policy, claim-free, and good driver.
  • State Farm may have discounts that include Steer Clear safe driver discount, good student, passive restraint, multiple autos, Drive Safe & Save, driver’s education, and safe vehicle.
  • Progressive policyholders can earn discounts including good student, multi-policy, homeowner, online signing, multi-vehicle, online quote discount, and continuous coverage.
  • Mercury Insurance may offer discounts for ease of repair, accident-free, good student, type of vehicle, annual mileage, professional/association, and location of vehicle.
  • 21st Century offers premium reductions for student driver, air bags, defensive driver, anti-lock brakes, 55 and older, automatic seat belts, and theft prevention.
  • Allstate offers discounts for good payer, new car, utility vehicle, premier discount, and anti-lock brakes.

Before purchasing a policy, check with every company how many discounts you can get. Some discounts might not be offered on policies in your area. To see a list of insurers with significant discounts, enter your zip code here.

How to buy insurance online

When shopping for insurance there are multiple ways to get quotes from many insurance companies in your state. The easiest way to do a complete rate comparison is to jump online and get quotes. This can be accomplished by using one of the methods below.

  1. One of the simplest ways to get quotes is an all-inclusive rate comparison. This method saves time by eliminating separate quotes for every prospective company. Just one form gets coverage cost estimates from multiple low-cost companies.
  2. A slightly less efficient method to compare prices is to manually visit each company’s website and request a quote. For examples sake, let’s say you need rates from Nationwide, Allstate and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, which is not fast way to get rate quotes.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages and limits for every company. If you are comparing higher or lower deductibles it will be impossible to determine which company has the best rates. Even a minor difference in insurance coverages or limits may cause a big price difference. Just remember that comparing more rates from different companies provides better odds of finding a lower rate. Some companies don’t provide rate quotes online, so it’s important to compare quotes from them as well.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions could help you determine if you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to Mexico or Canada?
  • What is the rate difference between pleasure use and commuting?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Insurance policy specifics

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, EMT expenses and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as funeral expenses, medical services, court costs, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your A5 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer, vandalism and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

One last thing about your coverage

When buying insurance coverage, never buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to discover later that it was a big mistake. Your goal should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

We just showed you a lot of techniques to reduce 2022 Audi A5 insurance rates online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable car insurance. Consumers may even find the lowest rates come from the smaller companies. These companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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