2011 Audi Q5 Insurance Quotes – 6 Tips for Cheaper Rates

Cutting costs on Driversinsurance coverage might be a challenge for drivers who are new to online comparison shopping. Consumers have so many agents and companies to choose from that it can easily turn into a lot of work to find a cheaper company.

You should make it a habit to do rate comparisons before your next renewal because insurance rates fluctuate regularly. Just because you had the best premium rates on Q5 coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Buying the lowest cost car insurance coverage is simple if you know the tricks. Nevertheless, drivers can benefit from knowing the way companies market insurance on the web because it can help you find the best coverage.

Which auto insurance is cheapest?

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the most efficient way. You could spend your day talking about coverages with agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies take part in a program where prospective buyers submit their information once, and every company then returns a price quote. This eliminates the need for quotation requests to each individual auto insurance company. To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify which insurance companies to receive prices from. So if you want to choose specific insurance companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but ensure you are comparing nearly identical coverage data for each quote you get. If your comparisons have higher or lower deductibles it will be very difficult to get a fair rate comparison. Just a small difference in coverages could skew the results. It’s important to know that comparing more company’s prices increases the change that you will find a better price. Some smaller insurers to not give online price quotes, so it’s important to also get quotes on coverage from those companies, too.

Six discounts for affordable insurance coverage rates

Some insurers don’t always advertise every discount very well, so the list below contains some of the best known as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Buy New and Save – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • More Vehicles More Savings – Buying insurance for multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Early Renewal Discounts – A few insurance coverage companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Senior Citizen Rates – Seniors may be able to get lower premium rates on Q5 coverage.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote in comparison to drivers with a long claim history.
  • Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way. But all discounts will lower the premium cost.

The best insurance coverage companies and a partial list of their discounts include:

  • State Farm has discounts for defensive driving training, good driver, good student, Steer Clear safe driver discount, and student away at school.
  • American Family may have discounts that include accident-free, TimeAway discount, Steer into Savings, mySafetyValet, early bird, bundled insurance, and good driver.
  • Geico offers discounts for multi-policy, defensive driver, air bags, driver training, and military active duty.
  • 21st Century has savings for air bags, early bird, driver training, theft prevention, defensive driver, and student driver.
  • Progressive offers discounts including multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, good student, and online quote discount.

If you want low cost insurance coverage quotes, ask every prospective company what discounts are available to you. A few discounts may not apply to policies in your area.

You may need specialized insurance coverage coverage

When buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Does my 2011 Audi Q5 need full coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I get a multi-policy discount?
  • Are my friends covered when driving my 2011 Audi Q5?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a 2011 Audi Q5

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, damage from getting keyed and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Q5 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, doctor visits, prosthetic devices, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Audi Q5.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, legal defense fees, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.