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: Sep 24, 2017

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Searching for better auto insurance rates for your Audi Q5? Buying cheaper auto insurance can appear to be rather challenging for consumers not familiar with comparison shopping on the web. With literally dozens of companies, how can drivers effectively compare them all to find better auto insurance prices?

Consumers need to take a look at other company’s rates occasionally because auto insurance rates go up and down regularly. If you had the best deal on Q5 insurance a couple years back you will most likely find a better price today. Block out anything you think you know about auto insurance because it’s time to teach you how to use online quotes to find lower rates on auto insurance.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. This information will instruct you on how car insurance quotes work. Although vehicle owners need to learn how companies price insurance differently because it can help you find the best coverage.

How to buy insurance coverage

There are several ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you can utilize online quoting to get prices fast.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each participating company returns a competitive quote based on that information. This saves time by eliminating repetitive form submissions for each company.

To use this form to compare rates click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose the companies to get pricing from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing nearly identical deductibles and coverage limits on every quote. If each company quotes mixed coverages it will be next to impossible to make a fair rate comparison. Just slight variations in coverages can make a big difference in price. Keep in mind that comparing more quotes increases your odds of finding more affordable insurance.

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

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Ads can be misleading

21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the companies tend to make the same promise that you’ll save big if you get a free auto insurance quote and switch to them. How is it plausible that every one can lower your premium rates? This is how they do it.

Insurance companies have specific guidelines for the type of insured that will generate a profit. For instance, a desirable risk might be between the ages of 30 and 45, insures multiple vehicles, and drives a safe vehicle. Any person who meets those qualifications receives the best premium rates as well as cut their rates substantially.

Consumers who do not meet the ideal profile may receive higher rates and business going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great prices.

Each company has different criteria, so drivers must compare many company’s prices. It is impossible to predict which company will have the lowest rates.

How your Q5 insurance prices are determined

Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable such as traffic violations, although some other factors are less apparent like your vehicle usage or your commute time.A large part of saving on insurance coverage is knowing some of the factors that help calculate the level of your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that can help you get cheaper rates.

  • How much liability do you need? – A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for physical damage or personal injury to other. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
  • Low credit rating equals high prices – Credit score can be an important factor in your rate calculation. Insureds that have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with worse credit. If your credit is not that good, you could save money insuring your 2009 Audi Q5 if you clean up your credit.
  • Married drivers get better prices – Walking down the aisle helps lower the price on your policy. Having a spouse translates into being less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
  • Bundle policies with the same company – Some insurance companies provide a discount to policyholders that have more than one policy. It’s known as a multi-policy discount. This can amount to as much as ten percent or more Even if you’re getting this discount you still need to comparison shop to help guarantee you have the best rates. Drivers may still save more without the discount by insuring with multiple companies.

Get cheap insurance with discounts

Insurance can be pricey, but there may be some discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but less common discounts must be asked for prior to getting the savings.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Q5 insurance as compared to drivers with claims.
  • Homeowners Savings – Simply owning a home can help you save on insurance since owning and maintaining a home demonstrates responsibility.
  • Life Insurance Discount – Some insurance companies give a discounted premium rate on car insurance if you buy some life insurance too.
  • Full Payment Discount – By paying your entire bill at once rather than paying monthly you could save up to 5%.
  • Seat Belt Discounts – Requiring all passengers to buckle up before driving can save a little off the PIP or medical payment premium.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle on one policy can get a discount for every vehicle.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

Some companies who may offer many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with every insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your area. For a list of insurance companies with significant discounts, click this link.

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

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Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I drop full coverage on my 2009 Audi Q5?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability insurance

Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 2009 Audi Q5.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, dental work and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass, damage from a tornado or hurricane and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Q5 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Quote often and quote early

We just showed you many tips how you can shop for 2009 Audi Q5 insurance online. The key concept to understand is the more you quote auto insurance, the better chance you’ll have of finding affordable auto insurance. Consumers may even find the most savings is with some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as high prices, an unsatisfactory settlement offer, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter why you want to switch switching insurance coverage companies can be less work than you think.

Lower-priced 2009 Audi Q5 insurance can be found both online and from local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. A few companies may not provide online rate quotes and most of the time these smaller companies prefer to sell through local independent agencies.

Even more information can be read in the articles below: