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 15, 2017

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Want the cheapest car insurance rates for your Audi Q5? Are you burned out from robbing Peter to pay Paul to pay high car insurance rates every month? You’re in the same situation as many other vehicle owners.

Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the definite cheapest price

If you currently have car insurance, you will be able to cut costs considerably using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, drivers need to learn the methods companies use to market insurance on the web and apply this information to your search.

Discount insurance rates

Some providers do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known discounts you could be receiving when you buy car insurance online.

  • Active Service Discounts – Being deployed with a military unit could qualify you for better rates.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn slightly better rates than normal.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn nearly 15% which can help you find affordable car insurance.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Memberships – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on insurance.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • Cautious Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less for Q5 coverage as compared to drivers with claims.

We need to note that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

To see a list of providers who offer cheap insurance quotes, click this link.

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

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First Step: Get free insurance quotes

When shopping for insurance there are multiple ways to compare rate quotes from many different insurance companies. The best method to compare rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

The simplest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This quick form saves time by eliminating a different quote for every prospective company. Just one form gets you price quotes instantly.

Another way to shop for insurance online requires visiting each individual company website and fill out a new quote form. For example, we’ll assume you want comparison quotes from Progressive, Esurance and GEICO. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using exactly the same coverage information on every quote. If you have differing limits you will not be able to make a fair rate comparison. Just a small difference in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing more rates from different companies increases the change that you will find more affordable rates.

Smart buyers save money

Lots of things are considered when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but other factors are more transparent like your vehicle usage and annual miles driven.Consumers need to have an understanding of a few of the rating criteria that help determine the level of your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that can help you get big savings.

  • Your occupation can affect insurance rates – Did you know your insurance rates can be affected by your occupation? Occupations such as judges, business owners and dentists have higher rates than the rest of us in part from job stress and extremely grueling work hours. On the flip side, jobs such as actors, engineers and homemakers have lower than average premiums for Q5 coverage.
  • Multi-policy discounts can save money – Most larger insurers afford a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even if you already get this discount, it’s in your best interest to comparison shop to ensure the best deal.
  • Prevent theft and lower rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.
  • Where you reside factors in – Being located in a small town can be a good thing when talking about insurance. Fewer drivers and short commutes means fewer accidents and also fewer theft and vandalism claims. City drivers have more road rage incidents and more time behind the wheel. Longer commute distances means more chances of being involved in an auto accident.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I wreck a rental car?
  • Should I waive the damage coverage when renting a car?
  • Is a blown tire covered by insurance?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

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

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Buyer beware of auto insurance advertising tricks

Big name companies like Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all advertise claims of big savings if you move your coverage to them. How can each company make almost identical claims? This is the trick they use.

Most companies require specific criteria for the right customer that makes them money. One example of a profitable customer might be between the ages of 30 and 50, has no prior claims, and does not commute to work. Any customer who fits that profile receives the best premium rates and will also cut their rates substantially.

Potential insureds who do not fit those standards will probably have to pay higher prices which leads to business not being written. The wording the ads use say “people that switch” not “all people who quote” save that much money. This is how insurance companies can confidently state the savings. That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance companies will be your best fit.

Car insurance specifics

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Collision – This coverage will pay to fix damage to your Q5 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Audi Q5.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance 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 a tree branch falling on your vehicle, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like dental work, surgery, EMT expenses, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like attorney fees, bail bonds, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Best coverage at the best price

We’ve covered a lot of information how to shop for 2014 Audi Q5 insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest rates come from a lesser-known regional company. They can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

When you buy car insurance online, don’t be tempted to reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

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