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: Sep 22, 2017

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Trying to find cheaper insurance coverage rates for your Audi SQ5? Nobody loves paying for insurance coverage, especially knowing their premiums are too high.

Since people have many companies and agents to choose from, it’s difficult to locate a more affordable insurer.

It’s important to quote other rates before your next renewal due to the fact that insurance prices go up and down regularly. Even if you got the lowest quotes for SQ5 coverage on your last policy there may be better deals available now. Block out anything you think you know about insurance coverage because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Buying affordable protection is quite easy. Just about every driver who is shopping for insurance coverage will more than likely be able to find better rates. But car owners do need to know how companies price online insurance.

The quickest method we recommend to compare policy rates is to know the fact most of the bigger providers allow for online access to compare rate quotes. The one thing you need to do is provide the companies a bit of rating information including how much you drive, the type of vehicles you drive, how much coverage you want, and the ages of drivers. Your insurance information is then submitted to multiple insurance providers and you should receive rate quotes instantly.

Tailor your insurance coverage to you

When choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • If my 2015 Audi SQ5 is totaled, can I afford another vehicle?
  • Why am I required to buy high-risk coverage?
  • I have a DUI can I still get coverage?
  • Do I need an umbrella policy?
  • When should I not file a claim?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

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

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Car insurance policy specifics

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Auto liability insurance

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, legal defense fees, funeral expenses and bail bonds. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like ambulance fees, nursing services, EMT expenses, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your SQ5 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Audi SQ5.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.