Cheap 2013 Audi Q5 Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Audi Q5? Have you finally had enough of paying out the nose to pay your car insurance bill each month? You are in the same boat as most other consumers. Insurance companies such as State Farm, Allstate, Geico and Progressive continually bombard you with advertising and it is challenging if not impossible to ignore the flashy ads and find the best price available.

If you have a policy now or need a new policy, you can use these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is not rocket science. Consumers only need an understanding of how to compare price quotes online.

How to buy insurance coverage online

Most companies such as Geico, State Farm and Progressive make it easy to get prices for coverage on their websites. The process is pretty easy as you simply enter the amount of coverage you want into the form. After the form is submitted, the system requests your credit score and driving record and generates a price based on these factors. Quoting online makes it a lot easier to compare rates but the time required to go to many different websites and type in your information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to find better insurance coverage pricing.

Isn’t there an easier way to compare rates?

A more efficient way to lower your insurance coverage bill uses one form that obtains quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you type in your coverages exactly as they are listed on your policy. This way, you will get a rate comparison for the exact same coverage.

Lower rate quotes with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but some need to be manually applied in order for you to get them.

  • Homeowners Savings – Owning a house may trigger a policy discount on insurance because owning a home shows financial diligence.
  • Claim Free – Insureds who avoid accidents and claims get the best insurance rates when compared to bad drivers.
  • Senior Citizen Discount – Seniors can possibly qualify for a discount up to 10% on Q5 insurance.
  • Service Members Pay Less – Being deployed in the military can result in better rates.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will positively reduce the cost of your policy.

Large insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive discounts include multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, good student, and online signing.
  • MetLife has discounts for accident-free, good driver, good student, multi-policy, claim-free, and defensive driver.
  • Mercury Insurance offers premium reductions for good student, anti-theft, good driver, age of vehicle, professional/association, type of vehicle, and multi-policy.
  • Nationwide offers discounts for multi-policy, good student, business or organization, easy pay, family plan, accident-free, and anti-theft.
  • Geico includes discounts for five-year accident-free, defensive driver, driver training, membership and employees, good student, multi-policy, and military active duty.
  • AAA may include discounts for anti-theft, pay-in-full, AAA membership discount, good student, multi-policy, and good driver.

Before purchasing a policy, check with all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your area. To see a list of insurers who offer insurance discounts, follow this link.

Good decisions result in lower insurance rates

When buying insurance coverage it’s important to understand some of the things that are used to determine the rates you pay for insurance coverage. When you understand what determines premiums, this helps enable you to make changes that will entitle you to better insurance coverage rates. Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but some are not quite as obvious such as your marital status or your vehicle rating.

  • Do you need those incidental coverages? – There are a lot of additional extra coverages that sound like a good idea at the time when buying insurance coverage. Add-on coverages like rental car reimbursement, death and dismemberment, and additional equipment coverage are probably not needed. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • High premiums for teen drivers – Beginning drivers have been known to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher. Older people have been proven to be more responsible, are lower risk to insure , and usually have better credit.
  • Frequent claims will cost you – If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies give most affordable rates to people that do not abuse their auto insurance. Your car insurance is designed for more catestrophic claims.
  • Where you call home can influence premiums – Having an address in a small town may provide you with better prices when talking about insurance coverage. Drivers who live in large cities regularly have more auto accidents and more time behind the wheel. Less people translates into fewer accident claims and also fewer theft and vandalism claims.
  • Responsible credit saves on insurance coverage – Having a good credit score is a large factor in calculating your premium rate. So if your credit history is low, you could potentially save money when insuring your 2013 Audi Q5 by improving your credit score. Drivers who have excellent credit scores tend to file fewer claims than those with poor credit.
  • Tickets can increase prices – Attentive drivers have lower premiums compared to drivers with tickets. Just one speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers with severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
  • How many coverages with the same company – Most insurers will give lower prices to buyers that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, consumers should still compare other insurance prices to guarantee you are still saving the most. Consumers may save even more by buying insurance from more than one company.
  • Low stress vocation equals lower premiums – Jobs like military generalsairline pilots and financial analysts are shown to have higher premiums than the average policyholder because of high stress levels and lots of time spent at work. On the flip side, occupations such as professors, engineers and the unemployed have the lowest average rates on Q5 insurance.

What is the best car insurance coverage?

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

  • Do I need motorclub coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is my state a no-fault state?
  • What is an SR-22 filing?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Advertising and car insurance

Drivers can’t get away from all the ads that claim the best auto insurance rates from the likes of Geico, State Farm and Progressive. They all have a common claim that drivers can save some big amount if you change to them.

How does each company save you money? It’s all in the words they use.

All the different companies quote their cheapest rates for the type of customer they prefer to insure. An example of a desirable insured may need to be over the age of 50, has a clean driving record, and does not commute to work. Any customer that matches those criteria will get very good auto insurance rates and therefore will save a lot if they switch.

Potential customers who fall outside this stringent profile will have to pay higher rates and this can result in the customer not purchasing. The ads say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can lure you into getting a quote.

This illustrates why it’s extremely important to compare rate quotes every year. It’s just not possible to know the company that will have the lowest rates.

Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as rehabilitation expenses, hospital visits, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, hitting a bird, falling objects, rock chips in glass and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi Q5.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision coverage will pay to fix damage to your Q5 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door, rolling your car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Be a smart shopper

Discount 2013 Audi Q5 insurance is possible on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

In this article, we presented quite a bit of information on how to shop for 2013 Audi Q5 insurance online. The key thing to remember is the more times you quote, the higher your chance of finding low cost insurance. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

For more information, take a look at the resources below: