Save on 2018 Audi SQ5 Car Insurance Cost

Finding low-cost insurance for a new or used Audi SQ5 can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to buy auto insurance and we’ll show you the quickest way to compare rates for a new or used Audi and locate the lowest possible price from both online companies and local agents.

You should take the time to compare rates at least once a year because auto insurance prices change regularly. Just because you found the best deal for SQ5 insurance six months ago you can probably find a better rate now. There is a lot of bad advice regarding auto insurance on the web, but in this article, you’re going to get the easiest ways to put money back in your pocket.

Don’t overlook these car insurance discounts

Some companies don’t always list all possible discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts that you may qualify for.

  • Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy life insurance.
  • Own a Home and Save – Being a homeowner can earn you a little savings because it requires personal responsibility.
  • Good Driver Discounts – Insureds without accidents may save up to 50% more for SQ5 insurance than less cautious drivers.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premium rates.
  • Claim Free – Drivers who stay claim-free can save substantially in comparison to accident-prone drivers.
  • Distant Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

Companies and a summarized list of policyholder discounts are included below.

  • State Farm offers discounts including Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, anti-theft, and student away at school.
  • American Family policyholders can earn discounts including good student, defensive driver, early bird, multi-vehicle, and TimeAway discount.
  • AAA may offer discounts for pay-in-full, education and occupation, AAA membership discount, multi-car, and multi-policy.
  • Geico discounts include five-year accident-free, emergency military deployment, anti-theft, federal employee, and multi-policy.
  • Mercury Insurance may have discounts that include multi-policy, professional/association, anti-theft, type of vehicle, age of vehicle, good student, and accident-free.
  • Farmers Insurance offers premium reductions for alternative fuel, youthful driver, electronic funds transfer, bundle discounts, and mature driver.
  • Progressive has savings for good student, multi-policy, multi-vehicle, online signing, online quote discount, homeowner, and continuous coverage.

When getting a coverage quote, ask every prospective company the best way to save money. Depending on the company, some discounts might not be offered in your area.

Compare auto insurance rates

Most companies like 21st Century, Allstate and State Farm make it easy to get prices online. Getting online quotes can be done by anyone because it’s just a matter of typing in the coverage amounts you desire on the page. When the form is submitted, the quote system sends out for your driving record and credit report and generates a price based on many factors.

This streamlines rate comparisons, but the time it takes to visit many different websites and type in the same data is repetitive and time-consuming. But it’s also necessary to perform this step if you want to find the best price on auto insurance.

Compare rates the easy way

A less time-consuming method to find better auto insurance pricing utilizes a single form to obtain quotes from multiple companies. The form is fast, requires much less work on your part, and makes comparison shopping much easier to do. After sending your information, it is quoted with multiple companies and you can pick any or none of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and may result in a nice savings.

In order to compare rates now, click here to open in new window and submit the form. If you currently have coverage, we recommend you complete the form with as shown on your current policy. This helps ensure you will have an apples-to-apples comparison for the exact same coverage.

You can change your insurance rates

It’s important that you understand a few of the rating criteria that come into play when calculating your auto insurance rates. When consumers understand what influences your rates, this helps enable you to make changes that may result in lower rates.

  • Lower premiums for vehicles with better crash test results – Safer cars tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Audi SQ5 scored at minimum four stars on Safercar.gov it may cost less to insure.
  • Never let your policy lapse – Driving your car without having proper coverage is illegal and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay more, getting caught without coverage could earn you a license revocation or jail time.
  • Your career may increase prices – Occupational choices like lawyers, social workers and medical professionals have higher premiums than the average policyholder attributed to job stress and lengthy work days. Conversely, occupations like actors, engineers and the unemployed pay the least for SQ5 insurance.
  • Battle of the sexes – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Men and women cause at-fault accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.
  • Single vs. married – Getting married can actually save you money when shopping for auto insurance. Having a significant other is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
  • Bad drivers pay high prices – Drivers who don’t get tickets receive lower rates compared to bad drivers. Getting just one speeding ticket or other violation could increase your next policy renewal forty percent or more. Drivers who have received careless violations like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to keep their license.

When to get professional advice

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • Do I really need UM/UIM coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I missing any policy discounts?
  • Does my personal policy cover me when driving out-of-state?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, theft, damage from a tornado or hurricane, vandalism and damage from flooding. The highest amount 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

This pays for damage to your SQ5 caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, rolling your car, scraping a guard rail, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, X-ray expenses and dental work. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Be a smart shopper

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We’ve covered a lot of tips how to shop for 2018 Audi SQ5 insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from an unexpected company.

Cheaper insurance coverage is attainable online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get quotes online and these regional insurance providers only sell through independent insurance agents.

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