Compare 2013 Audi A5 Insurance Rates

Have you had enough of sacrificing other expenses to buy insurance? You are no different than most other consumers. With consumers having so many choices, it can be challenging to find the right insurance company.

How to get insurance coverage rate quotes

Shopping for lower insurance coverage rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the best insurance companies participate in an industry program that enables customers to send in one quote, and every company can give them a price based on that information. This eliminates the need for quote requests for each company you want a rate for. To find out how much you can save on insurance coverage click here to open in new window.

The only drawback to getting quotes like this is you cannot specify which carriers you want to price. If you wish to select specific insurance companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using equivalent coverage data on every price quote you get. If you are comparing different coverage information it’s impossible to determine which company has the best rates.

These discounts can lower insurance coverage rates

Companies that sell car insurance don’t always list all disounts very well, so the list below contains some of the more common and the more hidden ways to save on insurance coverage.

Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on A5 insurance than less cautious drivers.
Safety Course Discount – Taking a course teaching driver safety skills is a good idea and can lower rates and make you a better driver.
Distant Student Discount – Children who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
Waiver for an Accident – This one isn’t a discount, but some insurance companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
Fewer Miles Equal More Savings – Driving less could be rewarded with discounted premium rates on garaged vehicles.
Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you lower rates if you buy some life insurance too.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and the discounts they provide are detailed below.

State Farm has discounts for multiple autos, defensive driving training, passive restraint, good driver, driver’s education, safe vehicle, and Drive Safe & Save.
Progressive includes discounts for continuous coverage, online signing, multi-policy, good student, online quote discount, and multi-vehicle.
Travelers offers premium reductions for early quote, multi-car, continuous insurance, multi-policy, driver training, payment discounts, and home ownership.
American Family has savings for TimeAway discount, mySafetyValet, accident-free, good driver, and defensive driver.
Liberty Mutual policyholders can earn discounts including multi-policy, good student, safety features, newly retired, and teen driver discount.

When comparing rates, check with every insurance company the best way to save money. Savings might not apply everywhere.

When do I need an agent’s advice?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation could use an agent’s help.

What can I do if my company won’t pay a claim?
Should I carry comprehensive and collision coverage?
Should I sign the liability waiver when renting a car?
Am I covered if I wreck a rental car?
Which companies will insure high-risk drivers?
Why do I need rental car insurance?
When should I drop full coverage on my 2013 Audi A5?
Is my teen driver covered when they drive my company car?
Does my policy pay for OEM or aftermarket parts?
Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Liability insurance

This coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, medical expenses and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your A5 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. 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, falling objects, fire damage and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, ambulance fees and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Audi A5.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.