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 20, 2018

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Looking for the cheapest insurance coverage rates for your Audi Q5? Finding the cheapest insurance for an Audi Q5 can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy insurance coverage and we’ll show you the best way to price shop coverage on a Audi and get the cheapest rates either online or from local insurance agents.

Shopping for more affordable coverage is not that difficult. If you have a current insurance coverage policy or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Vehicle owners just need to learn how to compare rates online.

Low cost auto insurance prices

Effectively comparing auto insurance prices can be exhausting if you don’t know the most efficient way to do it. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.

Many companies belong to an insurance system that enables customers to complete one form, and each participating company returns a rated price. This prevents consumers from doing quotation requests to each company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to using this type of form is that consumers can’t choose which carriers you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make absolute certain that you use the same deductibles and coverage limits on every quote you get. If you are comparing different data it’s not possible to determine which rate is truly the best.

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

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Be skeptical of car insurance ads

Consumers can’t get away from ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to say the same thing that you can save just by moving your coverage to them.

How can each company charge less that you’re paying now? This is the trick they use.

Different companies have a certain “appetite” for the driver they prefer to insure. For instance, a desirable risk could be married and over the age of 30, carries high limits, and has a high credit rating. A driver that fits those parameters will probably get the lowest premium rates and most likely will save money with a new company.

Consumers who don’t qualify for these standards will probably have to pay higher premiums and ends up with the customer not buying. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can claim big savings.

Because of this risk profiling, drivers must compare many company’s prices. Because you never know the company that will have the best premium rates at this point in time.

Insurance price influencing factors

Many different elements are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are more obscure like your vehicle usage and annual miles driven.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine your prices.

  • Prevent your car from being stolen – Driving a car with an alarm system can save you some money. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
  • Amount of liability coverage – The liability coverage on your policy provides coverage if ever you are responsible for physical damage or personal injury to other. This coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Prices may be higher where you live – Having an address in a rural area has it’s advantages when trying to find low car insurance rates. People in densly populated areas have to deal with more road rage incidents and more severe claims. Less people living in that area means less chance of accidents.
  • Frequent auto insurance claims will cost more – If you tend to file frequent claims, don’t be surprised to see either policy cancellation or increased premiums. Companies award better rates to policyholders who do not file claims often. Your car insurance is designed for claims that pose a financial burden.
  • Lower rates for married couples – Being married can actually save you money compared to being single. Having a significant other may mean you are more financially stable and it’s proven that married drivers tend to file fewer claims.

Discounts for lower-cost car insurance rates

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that can help lower your rates. Certain reductions will be credited when you complete an application, but occassionally some discounts must be inquired about before you will receive the discount.

  • One Accident Forgiven – This one is not really a discount per se, but companies like State Farm and Allstate may permit one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Defensive Driver – Successfully completing a defensive driving class is a good idea and can lower rates depending on where you live.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Save over 55 – Seniors can possibly qualify for a slight reduction on a insurance quote on Q5 coverage.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, that’s just not realistic. But all discounts will help reduce the cost of your policy.

Car insurance companies who may offer these money-saving discounts include:

Before purchasing a policy, check with every company how you can save money. All car insurance discounts may not apply in your area. For a list of insurance companies that offer multiple discounts, click here to view.

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

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You may need specialized car insurance coverage

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

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

  • Will I lose any money if I cancel my policy before it expires?
  • Are split liability limits better than a combined single limit?
  • If my 2010 Audi Q5 is totaled, can I afford another vehicle?
  • What if I owe more than I can insure my car for?
  • Do I need replacement cost coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a 2010 Audi Q5

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from flooding, fire damage, a broken windshield and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Audi Q5.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

This pays for damage to your Q5 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, ambulance fees, surgery, doctor visits and funeral costs. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, bail bonds, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes. Lower rates.

As you quote insurance, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest cost.

Some insurance providers may not provide the ability to get quotes online and many times these small, regional companies work with local independent agencies. More affordable auto insurance can be purchased on the web and from local agencies, so you should compare both so you have a total pricing picture.

Drivers change insurance companies for a number of reasons such as delays in paying claims, unfair underwriting practices, delays in responding to claim requests or even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Additional information can be read at the links below