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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 11, 2018

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Saving money on Driversinsurance may be kind of frustrating for drivers who have little experience online rate comparisons. When there are so many online companies available, it can quickly become a real challenge to find the best prices.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. This article will familiarize you with the best way to quote coverages and some money-saving tips. Nevertheless, vehicle owners need to learn how big insurance companies price online insurance because it can help you find the best coverage.

How to buy insurance online

There are multiple methods to compare insurance prices but one way is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Most of the best insurance companies belong to a marketplace where prospective buyers submit their information once, and at least one company provides a quote based on that data. This eliminates the need for quotation requests for every insurance company.

To find out what other companies charge click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify the insurers you will receive quotes from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but do your best to enter the exact same coverage limits on every price quote you get. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Audi A5. Quoting even small variations in coverages could mean much higher rates. Keep in mind that making a lot of price comparisons helps increase your odds of locating more affordable insurance.

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

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Affordable auto insurance quotes with discounts

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you purchase, but once in a while a discount must be manually applied before you will receive the discount.

  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
  • Lower Rates for Military – Having a deployed family member can result in better auto insurance rates.
  • Buy New and Save – Adding a new car to your policy can save up to 30% because newer vehicles are generally safer.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • Responsible Driver Discounts – Safe drivers may receive a discount up to 45% for A5 coverage than drivers with accidents.
  • Telematics Discount – Insureds that choose to allow companies to study their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with drivers with a long claim history.
  • Drive Less and Save – Fewer annual miles on your Audi may enable drivers to earn slightly better premium rates than normal.
  • Early Signing – A few insurance companies allow discounts for switching companies prior to your current policy expiration. This can save 10% or more.
  • Sign Online – A few insurance companies will give a small break simply for signing online.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

If you would like to see a list of companies with discount auto insurance rates, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • What exactly is covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have newly-aquired coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is my nanny covered when driving my vehicle?
  • I have a DUI can I still get coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Learn how to get insurance more affordably

Part of the insurance buying process is learning some of the elements that come into play when calculating the price you pay for insurance. If you understand what determines premiums, this enables you to make decisions that can help you get big savings. Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but others are not quite as obvious like your vehicle usage or your commute time.

The following are just a few of the factors used by insurance companies to determine your rate level.

  • Your career may increase insurance rates – Careers such as military generals, business owners and financial analysts generally have higher rates than the rest of us due to high stress levels and long work hours. On the other hand, occupations like professors, engineers and the unemployed pay lower than average rates for A5 coverage.
  • Obey driving laws and save – Drivers with clean records get better prices as compared to those with violations. Getting just one citation can boost insurance rates twenty percent or more. Drivers unfortunate enough to have dangerous violations like reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with the DMV in their state in order to prevent a license revocation.
  • High credit score translates to low rates – Having a good credit score factor in determining what you pay. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 2008 Audi A5 by improving your credit score. Drivers with excellent credit tend to be better drivers and file fewer claims than those with bad credit.
  • Women tend to be lower risk – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both have accidents in similar percentages, but the men tend to have higher claims. They also get cited for more serious violations such as reckless driving.
  • Deter car thieves – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft and help bring rates down.

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

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Coverages available on your policy

Understanding the coverages of insurance aids in choosing the best 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 will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like hospital visits, funeral costs, EMT expenses, chiropractic care and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values 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 things such as court costs, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, hitting a parking meter, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Be a Smart Shopper

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut collision coverage only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in paying claims or policy non-renewal. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

We’ve covered a lot of information how to lower your 2008 Audi A5 insurance premium rates. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. Consumers may even find the lowest priced car insurance comes from an unexpected company.

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