How Much Does 2019 Audi A5 Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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Looking for lower auto insurance rates for your Audi A5? When looking for cheaper insurance, are you overwhelmed by the crazy number of auto insurance choices available to you? Lot’s of other drivers are too. There are such a large number of options that it can turn into a real hassle to find the lowest price.

It’s a good idea to check auto insurance prices once or twice a year because insurance rates are adjusted regularly by insurance companies. Just because you found the best premium rates on A5 coverage a couple years back the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.

Cheapest insurance quotes

The majority of larger companies allow you to get insurance quotes directly from their websites. The process is pretty easy as you simply enter your coverage information as detailed in the form. Once entered, the system makes automated requests for your driving record and credit report and quotes a price based on these and other factors.

Being able to quote online makes comparing rates easy, but the time required to go to a lot of sites and type in the same data is a big time waster. But it’s also necessary to get many rate quotes in order to get lower prices.

A better way to lower your insurance bill uses just one form to get prices from several companies at one time. The form is fast, requires less work, and makes quoting online much more enjoyable. As soon as you send your information, it is rated and you are able to buy any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to use this form to compare rates, simply enter your zip code here and enter your vehicle and coverage information. If you have a policy now, it’s recommended that you enter the limits and deductibles exactly as they are listed on your policy. This guarantees you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Am I covered when driving a rental car?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability do I need to cover my assets?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my 2019 Audi A5 covered for flood damage?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and hail damage. The maximum amount a car 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 it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your A5 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, bail bonds, structural damage, medical expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

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