How Much Does 2018 Audi A5 Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 21, 2024

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Looking for cheaper auto insurance rates for your Audi A5? If price shopping auto insurance quotes online is new to you, there’s a good chance you are baffled by the confusing number of local and online companies that all say they have the best rates.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. Although consumers can benefit from knowing how big insurance companies compete online because it can help you find the best coverage.

Save money with these insurance coverage discounts

Some insurance providers don’t always advertise every discount in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous credits available to you.

  • Distant Student Discount – Any of your kids living away from home attending college and leave their car at home could get you a discount.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper insurance coverage rates.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Devices – Insureds that choose to allow their company to spy on driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper since newer models have better safety ratings.
  • Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles on the same insurance coverage policy can reduce rates for all insured vehicles.
  • Driver Safety – Taking a course in defensive driver could save 5% or more depending on where you live.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurance companies that have a full spectrum of discounts, enter your zip code here.

Insurance can get complicated

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

  • Do I have coverage if my license is suspended?
  • Should I buy additional glass protection?
  • What are the best liability limits?
  • Does my 2018 Audi A5 qualify for pleasure use?
  • Which is better, split liability limits or combined limits?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I break a side mirror?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete your zip code.

Misconceptions in auto insurance advertisements

Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all make the same claim that people will save if you move your auto insurance policy to them. How does each company charge lower premium rates?

Auto insurance companies have specific guidelines for the type of driver that earns them the highest profit. One example of a desirable insured might be a female over age 40, has a low-risk occupation, and has a high credit rating. Any driver who fits those characteristics receive the lowest rate quotes and will save when they switch companies.

Insureds who don’t meet those standards will probably be forced to pay a higher premium and this results in the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “all people who quote” save the amount stated. That is how insurance companies can make those claims.

Each company has different criteria, so you really should compare price quotes frequently. It’s just not possible to know which insurance companies will provide the lowest car insurance rates.

Coverages available on your policy

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Audi A5.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liability limits.

Collision coverages – Collision insurance pays for damage to your A5 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses like chiropractic care, pain medications, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles, bail bonds, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Shop smart and save

We just covered some good ideas how to reduce 2018 Audi A5 insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Consumers leave their current company for any number of reasons including high prices, unfair underwriting practices, being labeled a high risk driver and even lack of trust in their agent. No matter why you want to switch, choosing a new company is less work than it seems.

Cost effective 2018 Audi A5 insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not have online quoting and most of the time these regional carriers only sell coverage through local independent agents.

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