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: Oct 5, 2015

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Buyers have options when searching for affordable Audi A5 insurance. They can either spend hours driving around getting price quotes or leverage the internet to get rate quotes. There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Audi and get the lowest price from local insurance agents and online providers.

Cheaper rates with these car insurance discounts

The cost of insuring your cars can be expensive, but companies offer discounts that can dramatically reduce your bill. Some discounts apply automatically when you get a quote, but a few need to be asked for before you will receive the discount.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more on A5 insurance than drivers with accident claims.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • One Accident Forgiven – but certain companies may permit one accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Policy Bundle Discount – If you insure your home and vehicles with one company you could earn a discount of 10% to 20% off each policy.
  • Discounts for New Vehicles – Adding a new car to your policy can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Service Members Pay Less – Having an actively deployed family member may lower your car insurance rates slightly.
  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may include these money-saving discounts include:

When getting free insurance coverage quotes, it’s a good idea to every company which discounts you qualify for. Some credits might not apply everywhere.

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

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How to shop car insurance online

Finding cheaper car insurance rates can be relatively painless. The only thing you need to do is invest a little time to compare free insurance coverage quotes online with multiple companies. This can be done in several different ways.

  1. One of the fastest ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form submissions for each price estimate. One simple form gets you price quotes from several companies. It’s the fastest way to compare.
  2. A less efficient way to find lower rates is spending the time to visit the website for every company you want to comare and go through the quote process again. For examples sake, let’s say you want to get rates from Farmers, Liberty Mutual and GEICO. To find out each rate you need to spend time on each company’s site to enter your coverage information, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you’re using nearly identical deductibles and coverage limits for every quote you compare. If each company quotes different coverage information it will be next to impossible to decipher which rate is best.

Lower the price of insurance with these tips

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are not quite as obvious like your vehicle usage or your commute time.Smart consumers have a good feel for some of the factors that play a part in calculating your premiums. If you have a feel for what determines base rates, this enables informed choices that could help you find much lower annual insurance costs.

  • Low mileage costs less – The more miles you rack up on your Audi every year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. It’s a smart idea to ensure your insurance coverage correctly shows the right rating data. A policy that improperly rates your A5 can result in significantly higher rates.
  • Poor credit decisions can cost you – Having a good credit history will be a significant factor in your rate calculation. Consumers who have excellent credit tend to file fewer claims and have better driving records than drivers with poor credit. If your credit score could use some work, you could be paying less to insure your 2010 Audi A5 by improving your credit score.
  • Combine policies and save – Most major insurance companies provide lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you qualify for this discount already, you may still want to comparison shop to help ensure you have the lowest rates. It’s possible to still save more without the discount by splitting coverages up.
  • Advanced GPS tracking and theft deterrents – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
  • Claim-free discounts can add up – If you file claims often, you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies generally give cheaper rates to people who are not frequent claim filers. Your insurance policy is designed for more catestrophic claims.
  • Pay less if you’re married – Getting married may save some money when shopping for insurance. Having a spouse demonstrates that you tend to be less irresponsible and statistics prove being married results in fewer claims.

Auto insurance can get complicated

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • I don’t drive much so do I pay less?
  • Is my trailer covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my medical payments coverage be?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

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

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Tricks in insurance advertising

Drivers can’t escape the ads that claim the lowest premium rates by Progressive, GEICO, Allstate and State Farm. They all state the claim of big savings if you move your coverage.

How can each company offer you a better deal?

Companies have specific guidelines for the type of customer that earns them the highest profit. An example of a profitable insured could be between the ages of 40 and 55, has no prior claims, and drives a lower-performance vehicle. A customer getting a price quote who meets those qualifications will most likely get cheap car insurance rates and will most likely pay quite a bit less when switching companies.

Insureds who fall short of these standards will be quoted higher premiums and this results in the customer not buying. The trick is to say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully state the savings. This emphasizes why you really should compare free insurance coverage quotes often. You cannot predict the company that will fit you best based on your risk profile.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to 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.

Liability coverage protects against things such as funeral expenses, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like rolling your car, driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hail damage and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as funeral costs, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

People leave their current company for many reasons like not issuing a premium refund, high prices, an unsatisfactory settlement offer and delays in paying claims. Regardless of your reason, switching car insurance companies can be easy and end up saving you some money.

Some insurance companies may not provide the ability to get quotes online smaller companies prefer to sell through independent agents. Budget-conscious 2010 Audi A5 insurance is definitely available online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Additional information is located at the links below