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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Did budget coverage turn out to be an overpriced car insurance policy? Believe me, many consumers are in the same pinch. Because there are so many companies and agents to choose from, it can be diffult for people to pick the cheapest car insurance company.

It is always a good idea to quote other rates at least once a year because prices trend upward over time. If you had the best deal for A5 coverage a few years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because you’re about to learn the things you must know in order to properly buy coverages while reducing your premium.

Do you qualify for discount insurance coverage?

Insurance can be prohibitively expensive, but you might be missing out on some discounts that many people don’t even know exist. Most are applied when you purchase, but a few need to be asked about prior to receiving the credit.

  • Multi-car Discount – Buying a policy with multiple vehicles on one policy qualifies for this discount.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Telematics Data – Insureds that choose to allow companies to scrutinize where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
  • Defensive Driving Course – Completing a defensive driver course could possibly earn you a 5% discount depending on where you live.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of nearly 15% which can help you find cheaper car insurance.

As a footnote on discounts, some credits don’t apply to your bottom line cost. The majority will 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, you won’t be that lucky. Any amount of discount should definitely cut your policy cost.

A few of the larger companies and a selection of discounts are detailed below.

  • State Farm has savings for defensive driving training, multiple policy, student away at school, passive restraint, good driver, multiple autos, and anti-theft.
  • Farmers Insurance discounts include bundle discounts, early shopping, teen driver, distant student, multi-car, and business and professional.
  • GEICO offers premium reductions for driver training, air bags, anti-lock brakes, daytime running lights, and multi-vehicle.
  • American Family may offer discounts for good driver, air bags, bundled insurance, mySafetyValet, accident-free, defensive driver, and early bird.
  • Nationwide may have discounts that include family plan, Farm Bureau membership, anti-theft, defensive driving, good student, and easy pay.
  • Progressive offers discounts including multi-vehicle, online signing, online quote discount, continuous coverage, multi-policy, homeowner, and good student.

If you want affordable car insurance quotes, ask each insurance company how you can save money. All car insurance discounts may not apply in your area.

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

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Big brands don’t always mean big savings

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. All the companies make the same claim that you can save if you just switch your coverage.

How can each company give you a lower rate? This is the trick they use.

Many companies have a certain “appetite” for a prospective insured that will generate a profit. One example of a driver they prefer may be over the age of 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Any person that matches those criteria receive the lowest rate quotes and most likely will pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile must pay a higher rate and this can result in business not being written. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can confidently make those claims. This emphasizes why you should get a wide range of price quotes. It is just not possible to predict which company will give you the biggest savings.

What insurance coverages do I need?

When choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • What is no-fault insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy additional glass protection?
  • Does car insurance cover theft of personal property?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is business equipment covered while in my vehicle?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as hospital visits, surgery, chiropractic care and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays for damage to your A5 caused by 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 can pay for claims like crashing into a ditch, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi A5.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage and hail damage. The most you can receive from a comprehensive claim is the ACV or 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

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone dropped full coverage to discover at claim time that it was a big error on their part. The goal is to purchase plenty of coverage at the best cost.

Cost effective 2013 Audi A5 insurance is available from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not have the ability to get a quote online and many times these small insurance companies work with local independent agencies.

For more information, take a look at the following helpful articles: