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 8, 2018

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Want the cheapest insurance rates for your Audi Q5? Paying cheaper coverage rates for insurance is frustrating for drivers who are new to online price comparisons. Consumers have so many options available that it can quickly become a difficult situation to find better prices.

The best way we recommend to compare policy rates utilizes the fact car insurance companies allow for online access to compare their rates. The only thing you need to do is provide information including how you use your vehicles, how much education you have, distance driven, and the year, make and model of vehicles. The rating information is instantly provided to all major companies and they return cost estimate instantly to find the best rate.

Drivers who switch save $428 a year? Really?

Respected companies like State Farm, Allstate and GEICO seem to constantly run ads on television and other media. They all seem to say the same thing about savings if you change your car insurance coverage to their company. How is it possible that every company can charge you less for auto insurance? Here is the trick they use.

Insurance companies provide the lowest rates for the type of driver that will generate a profit. A good example of this type of insured might have to be between the ages of 30 and 50, has never had a policy lapse, and has a high credit rating. Any new insured who fits those characteristics is entitled to the best price and will most likely save a lot if they switch.

People who do not match those criteria may be forced to pay higher premium rates which translates to business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that much. That’s why companies can truthfully make claims that they all have the best prices.

Because of the profiling, drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the best premium rates for your profile.

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Get lower-cost rates with these five discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be requested specifically before being credited.

  • Memberships – Having an affiliation with qualifying employment or professional organizations could trigger savings on insurance coverage.
  • Buy New and Save – Insuring a vehicle that is new can save you some money due to better safety requirements for new model year vehicles.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums for Q5 insurance.
  • Cautious Driver Discount – Insureds who avoid accidents could pay up to 40% less for Q5 insurance as compared to drivers with claims.
  • Safety Course Discount – Taking time to complete a class that teaches defensive driver techniques could cut 5% off your bill and make you a better driver.

As a footnote on discounts, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, nobody gets a free ride.

A list of companies and some of the discounts can be found below.

  • GEICO has savings for driver training, air bags, defensive driver, daytime running lights, good student, membership and employees, and five-year accident-free.
  • Travelers may include discounts for early quote, continuous insurance, student away at school, save driver, and multi-policy.
  • Farm Bureau has discounts for driver training, multi-policy, multi-vehicle, renewal discount, 55 and retired, youthful driver, and safe driver.
  • Liberty Mutual offers premium reductions for hybrid vehicle, exclusive group savings, safety features, new graduate, teen driver discount, new move discount, and multi-car.
  • American Family includes discounts for mySafetyValet, early bird, accident-free, bundled insurance, good student, multi-vehicle, and air bags.
  • Progressive offers discounts for multi-vehicle, online signing, online quote discount, good student, and multi-policy.

If you are trying to find cheaper insurance quotes, ask all companies you are considering which credits you are entitled to. A few discounts might not be offered everywhere. For a list of insurers with the best insurance coverage discounts, click this link.

Auto insurance can be complex

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 2012 Audi Q5?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my teenager covered with friends in the car?
  • Does my insurance cover a custom paint job?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance 101

Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for rehabilitation expenses, doctor visits, X-ray expenses, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as funeral expenses, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Audi Q5.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – Collision insurance will pay to fix damage to your Q5 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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

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The bottom line

Budget-friendly insurance is definitely available online and with local insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and most of the time these smaller companies prefer to sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

We just covered quite a bit of information on how to lower your 2012 Audi Q5 insurance car insurance rates. It’s most important to understand that the more you quote insurance, the higher your chance of finding affordable insurance. You may even find the biggest savings come from a small local company.

More detailed insurance information is located at these sites: