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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I doubt anyone looks forward to buying insurance coverage, especially when they are aware that they are paying too much. Companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and it can be hard to ignore the flashy ads and find the best price available.

It’s a good habit to compare premium rates before your next renewal because insurance coverage prices are usually higher with each renewal. Despite the fact that you may have had the best deal on A5 insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

How to buy insurance coverage online

Comparing insurance coverage rates can take hours if you aren’t aware of the most efficient way. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies enroll in a system that enables customers to complete one form, and each company can give them a price based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To compare rates now click here to open in new window.

The single downside to using this type of form is you are unable to specify the insurers you want to price. So if you want to choose specific providers to compare rates, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to enter equivalent coverages on every quote. If your comparisons have different coverage information it will be nearly impossible to make a fair comparison for your Audi A5.

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Insurance Coverage Discounts

The cost of insuring your cars can be expensive, but companies offer discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be manually applied before you get the savings. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with one insurance company you will save at least 10 to 15 percent or more.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of more than 20%.
  • Defensive Driving Course – Taking part in a course in safe driver is a good idea and can lower rates depending on where you live.
  • One Accident Forgiven – Not necessarily a discount, but some companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a set time period.

As is typical with insurance, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the insurance companies that may offer policyholders most of the discounts above are:

When getting a coverage quote, ask every company what discounts are available to you. All car insurance discounts might not apply in your area. To see a list of insurance companies who offer online insurance coverage quotes, click here to view.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether or not you could use an agent’s help.

  • Is my cargo covered for damage or theft?
  • Why am I required to buy liability insurance?
  • Do I need roadside assistance coverage?
  • Where can I find DUI or SR-22 insurance?
  • How much liability insurance is required?
  • Does my 2017 Audi A5 qualify for pleasure use?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is motorclub coverage worth it?
  • Is extra glass coverage worth it?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Eight things that determine your insurance premiums

Consumers need to have an understanding of the rating factors that go into determining insurance coverage rates. If you know what determines premiums, this helps enable you to make changes that can help you get cheaper rates. Many different elements are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are more transparent like where you live or how safe your car is.

  • Liability insurance preserves assets – The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so do not skimp.
  • Insurance coverage rates and your occupation – Do you work in a high-stress field? Occupations like doctorsair traffic controllers and financial analysts have the highest average rates attributed to stressful work requirements and lots of time spent at work. On the flip side, jobs such as actors, athletes and homemakers have the lowest average rates on A5 insurance.
  • Alarms and GPS tracking lowers insurance coverage rates – Owning a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.
  • Stay claim-free and reduce prices – Auto insurance companies give cheaper rates to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Never have coverage lapses – Driving with no insurance is not a good idea and your next policy will cost more because you let your insurance expire. Not only will rates go up, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Do you qualify for a multi-policy discount? – Lots of insurers give a discount for people who buy several policies from them in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even with this discount, you may still want to get quotes from other companies to help guarantee you have the best rates.
  • Marriage brings a discount – Getting married may earn you lower rates when shopping for insurance coverage. It means you’re more stable financially and it’s statistically proven that married couples file fewer claims.
  • Male premiums may be higher – Statistics show that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both genders cause accidents at about the same rate, but the men have accidents that have higher claims. Men also statistically receive more costly citations like DUI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.

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

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Ads can be misleading

Consumers can’t ignore all the ads that claim the cheapest prices by Allstate, GEICO and Progressive. All the ads convey the message that you can save if you move to them.

Is it even possible that every company can offer drivers better rates? It’s all in how they say it.

All companies have a certain “appetite” for the driver that will not have excessive claims. An example of a profitable insured should be a married female, carries full coverage, and drives less than 10,000 miles a year. Someone that hits that “sweet spot” will most likely get cheap rates and have a good chance to pay quite a bit less when switching companies.

Insureds who do not match those criteria will see higher premiums and this can result in the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently make those claims. This emphasizes why you need to do a quote comparison often. You cannot predict which insurance companies will give you the biggest savings.

Specific coverages for an Audi A5

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2017 Audi A5.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability 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. Your policy might show liability limits of 25/50/25 that translate to 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 insurance covers things like structural damage, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like nursing services, funeral costs and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

In conclusion

In this article, we covered many ways to reduce 2017 Audi A5 insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper insurance. Drivers may discover the biggest savings come from a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

As you quote insurance, you should never buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Even more information is available by following these links: