Cheap 2014 Audi A5 Insurance Rates

Saving money on car insurance could be difficult for drivers not familiar with online insurance quotes. With literally dozens of insurers to choose from, it can quickly become a burden to find a more affordable company.

You should take the time to quote other rates at least once a year since rates are usually higher with each renewal. Just because you had the lowest rate for A5 coverage a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. Nevertheless, consumers do need to learn the way insurance companies compete online and take advantage of how the system works.

Drivers can save with these discounts

Companies that sell car insurance do not list all their discounts very clearly, so here is a list some of the more common and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

  • Senior Citizen Rates – Drivers that qualify as senior citizens can get reduced rates for A5 coverage.
  • Homeowners Savings – Simply owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home demonstrates responsibility.
  • College Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
  • Telematics Discount – People who choose to allow their insurance company to analyze their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared to bad drivers.
  • Defensive Driver – Taking time to complete a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save a little on medical payment and PIP coverage.
  • Multiple Cars – Having multiple cars or trucks on a single policy can get a discount on all vehicles.

As a sidenote, many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will definitely lower the premium cost.

Large insurance coverage companies and some of their more popular discounts are:

  • Farmers Insurance may have discounts that include mature driver, electronic funds transfer, homeowner, early shopping, teen driver, and bundle discounts.
  • State Farm offers premium reductions for accident-free, anti-theft, driver’s education, good driver, good student, student away at school, and safe vehicle.
  • Liberty Mutual may offer discounts for newly married, exclusive group savings, teen driver discount, new vehicle discount, newly retired, and safety features.
  • MetLife offers discounts for good driver, good student, multi-policy, accident-free, claim-free, defensive driver
  • Progressive has discounts for online quote discount, homeowner, multi-policy, good student, and continuous coverage.

It’s a good idea to ask each company or agent which credits you are entitled to. Some discounts listed above might not apply in your area.

Special considerations

When buying adequate coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving on a suspended license?
  • Are rock chip repairs covered?
  • Does having multiple vehicles earn me a discount?
  • Is my state a no-fault state?
  • Do I need special endorsements for business use of my vehicle?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

But the ad said I’d save 15% in 15 minutes!

Popular car insurance providers such as Allstate and Progressive regularly use ads on television and other media. All the ads state the claim about saving some big amount if you get a free auto insurance quote and switch your policy. How do they all offer you a better deal? It’s all in the words they use.

Car insurance companies quote their cheapest rates for a prospective insured that will add to their bottom line. A good example of this type of insured may be between 30 and 50, has never had a policy lapse, and drives newer vehicles. A driver that matches those criteria will probably get the lowest prices and most likely will cut their rates if they switch.

Consumers who do not meet this ideal profile must pay more expensive rates which translates to the customer not purchasing. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can claim big savings.

This really emphasizes why you should get auto insurance quotes from several different companies. Because you cannot predict which company will have better premium rates than you’re paying now.

Specific coverage details

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – Collision insurance will pay to fix damage to your A5 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2014 Audi A5.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, funeral costs, ambulance fees and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for liability – Liability coverage provides protection from damage or injury you incur to a person or their property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, falling objects, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Buy Smart and Save

Cost effective 2014 Audi A5 insurance can be purchased both online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and these smaller providers sell through independent agents.

Insureds leave their current company for a variety of reasons including questionable increases in premium, denial of a claim, policy non-renewal or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right auto insurance provider is not as difficult as it may seem.

In this article, we presented quite a bit of information on how to save on 2014 Audi A5 insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable auto insurance. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Additional auto insurance information is located at the links below