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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Trying to find the cheapest insurance rates for your Audi Q5? Searching for the cheapest insurance for an Audi Q5 can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy insurance so we’re going to tell you the best way to price shop coverage on a Audi and get the lowest possible price either online or from local insurance agents.

Auto insurance discounts help slash rates

Companies that sell car insurance don’t necessarily list every available discount very clearly, so we break down a few of the more common and the harder-to-find discounts that you may qualify for.

  • 55 and Retired – Older drivers may receive reduced rates on Q5 coverage.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% off PIP or medical payments premium.
  • Include Life Insurance and Save – Auto insurance companies who offer life insurance give better prices if you take out some life insurance in addition to your auto policy.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower auto insurance rates.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote when compared with bad drivers.
  • Organization Discounts – Being in qualifying clubs or civic groups can get you a small discount when shopping for auto insurance.

As is typical with insurance, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

If you would like to view insurers who offer online auto insurance quotes, click this link.

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

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How to get low cost insurance

Shopping for lower insurance rates can be a daunting task if you don’t know the most efficient way. You could waste time talking to agents in your area, or you can stay home and use the web to get the quickest rates.

Most of the best insurance companies enroll in a system that allows shoppers to complete one form, and each participating company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each individual insurance company.

To compare pricing click to open in new window.

One minor caviat to getting quotes like this is you cannot specify the providers you want to price. If you would rather choose specific insurance companies to compare rates, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare equivalent information for every company. If you use different values for each quote it will be nearly impossible to find the best deal for your Audi Q5.

Get cheap insurance rates by understanding these factors

Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are not as apparent like your vehicle usage or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine the price you pay for auto insurance. When you understand what determines premiums, this enables you to make decisions that can earn you lower premium levels.

  • Safer occupants lowers auto insurance rates – Safer cars tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
  • Better rates for continuous auto insurance coverage – Having an insurance coverage lapse can be a quick way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You may then be required to file a SR-22 with your state department of motor vehicles.
  • Lower auto insurance rates with GPS tracking and theft deterrents – Owning a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can thwart your car from being stolen.
  • Stay claim-free and save money – Companies provide most affordable rates to people who are not frequent claim filers. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your car insurance is intended for the large, substantial claims.
  • Annual miles is a factor – The higher the miles on your Audi each year the more it will cost to insure it. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that do not get driven very much get more affordable rates than vehicles that have high annual mileage. Ask your agent if your policy states the correct driver usage. Improper usage on your Q5 may be wasting your money.
  • Being married equates to better rates – Having a significant other helps lower the price on your auto insurance bill. Marriage usually means you are more mature than a single person and insurance companies like that drivers who are married file infrequent claims.
  • Do you really need roadside assistance? – There are many extra add-on coverages that can add up if you aren’t careful. Coverages for coverage for rental cars, accidental death, and additional equipment coverage may be wasting your money. The coverages may be enticing when buying your policy, but if you have no use for them eliminate them to save money.

Which is the best auto insurance?

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might point out if you will benefit from professional help.

  • Can I get a multi-policy discount?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my 2015 Audi Q5?
  • What if I total my 2015 Audi Q5 and owe more than it’s worth?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when delivering products for my home-based business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I get my company to pay me more for my totalled car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

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

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Specific coverages for a 2015 Audi Q5

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Audi Q5.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability – Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like structural damage, bail bonds, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, a broken windshield, rock chips in glass and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, EMT expenses, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

Cheap 2015 Audi Q5 insurance is available from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide rate quotes online and these smaller companies sell through local independent agents.

People leave their current company for any number of reasons including high prices, lack of trust in their agent, delays in responding to claim requests or even questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

In this article, we presented many tips how you can shop for 2015 Audi Q5 insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest auto insurance rates are with a small local company.

For more information, link through to the articles below: