How Much Does 2014 Audi A5 Insurance Cost?

Looking for cheaper auto insurance rates for your Audi A5? I really doubt anyone looks forward to paying premiums for auto insurance, especially when they know they could lower their rates if they shopped around.

People have many car insurance companies to insure vehicles with, and though it is a good thing to have a choice, more choices can make it harder to find the lowest rates.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially everyone who carries insurance should be able to save money. But vehicle owners can benefit by having an understanding of the methods companies use to sell insurance online and apply this information to your search.

Use discounts on insurance

Insurance is expensive, but discounts can save money and there are some available to cut the cost considerably. Certain reductions will be credited when you complete an application, but lesser-known reductions have to be requested specifically before you get the savings. If you’re not getting every credit possible, you may be paying too high a price.

  • Claim-Free Discount – Drivers who don’t have accidents get the best insurance rates when compared to bad drivers.
  • Distant Student – Children who are attending college and don’t have a car could qualify for this discount.
  • Early Renewal Discounts – Some larger companies give discounts for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • Discount for Life Insurance – Some insurance carriers give a discounted price on car insurance if you buy some life insurance too.
  • Multiple Vehicles – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Government Employees – Active or former government employment may reduce rates when you quote insurance on A5 insurance with a few insurance companies.
  • One Accident Forgiven – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims before the accident.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Military Discounts – Having an actively deployed family member can result in better rates.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will reduce the cost of your policy.

To locate companies that offer the discounts shown above, follow this link.

Where can I get cheap car insurance?

Most of the larger companies provide prices for coverage direct online. Doing online quotes is fairly simple as all you need to do is type in into the quote form. Once you submit the form, their rating system makes automated requests for reports for credit and driving violations and generates pricing information based on these and other factors. Being able to quote online streamlines rate comparisons, but having to visit many different websites and type in the same information is a big time waster. But it is imperative to compare as many rates as possible if you want to find the lowest car insurance rates.

Quote rates the easy way

A more efficient way to locate the lowest prices uses one form that gets price quotes from several companies at one time. This type of form saves time, reduces the work, and makes rate comparisons a lot less work. Immediately after submitting the form, it gets priced and you are able to buy any of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. This process only takes a few minutes and you’ll know if lower rates are available.

If you want to compare pricing, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you duplicate coverages and limits as close as possible to your current policy. This guarantees you will receive a price comparison using the same coverage and limits.

Why you might pay increased rates

An important part of buying insurance is that you know some of the things that are used to determine your policy premiums. If you know what determines base rates, this enables informed choices that could result in better auto insurance rates. Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are less obvious such as your credit history or how safe your car is.

The following are some of the items used by your company to calculate your prices.

  • High premiums for youthful drivers – Beginning drivers are known to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older insureds are shown to be more cautious, file fewer claims , and usually have better credit.
  • Auto insurance claims cost money – Insurance companies generally give most affordable rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t buy extra coverages that may not be needed – There are a ton of additional coverages that can waste your money if you don’t pay attention. Coverages like replacement cost coverage, towing, and membership fees are some examples. You may think they are a good idea when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • How many coverages with the same company – Most larger insurance companies will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.There is a chance you can save more without the discount by buying insurance from more than one company.
  • Higher physical damage deductibles are cheaper – Coverage for physical damage, aka comp and collision, protects your Audi from damage. Some examples of covered claims could be a windshield shattered by a rock, vandalism, and rolling your vehicle. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. The more of the claim you have to pay, the lower your rates will be on A5 insurance.
  • Obey driving laws and save – Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Even one ticket can bump up the cost substantially. Drivers who have multiple citations like reckless driving or DUI are required to complete a SR-22 with their state DMV in order to continue driving.
  • Job stress can affect rates – Careers like military personnel, business owners and financial analysts generally pay the highest average rates due to stressful work requirements and lengthy work days. On the flip side, careers such as farmers, engineers and retirees pay the least on A5 insurance.
  • Gender is a factor – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. They both tend to get into auto accidents at about the same rate, but the male of the species tend to have higher claims. Men also tend to get more serious tickets like driving under the influence (DUI).

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • Does my policy cover my teen driver if they drive my company car?
  • Is pleasure use cheaper than using my 2014 Audi A5 to commute?
  • Is upholstery damage covered by car insurance?
  • Do I need motorclub coverage?
  • If my 2014 Audi A5 is totaled, can I afford another vehicle?
  • Who is covered when they drive my 2014 Audi A5?
  • Am I covered when pulling a rental trailer?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi A5.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, repair costs for stationary objects, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane, hitting a deer, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This coverage pays for damage to your A5 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, rolling your car, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as hospital visits, surgery and EMT expenses. They are often utilized in addition to your health insurance program 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 coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Be a money saver!

Some companies do not offer rates over the internet and many times these smaller providers work with independent insurance agents. Lower-priced car insurance can be sourced from both online companies and with local insurance agents, so you need to compare both so you have a total pricing picture.

As you quote insurance, don’t be tempted to buy poor coverage just to save money. In many instances, drivers have reduced full coverage to discover at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at the best price, but do not skimp to save money.

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