Lower Your 2020 Audi A5 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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Locating better insurance prices for a new or used Audi A5 can turn out to be a painful process, but you can use a few tricks to make it easier. There is a better way to buy insurance coverage so you’re going to learn the absolute fastest way to get price quotes for a new or used Audi and locate the lowest possible price from local insurance agents and online providers.

It’s a good idea to compare premium rates before your next renewal because prices change frequently. Just because you found the best deal for A5 insurance on your last policy you can probably find a better rate now. You can find a lot of wrong information about insurance coverage online but I’m going to show you some of the best techniques to put money back in your pocket.

Get cheaper car insurance quotes with discounts

Not many people think insurance is cheap, but there could be available discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be manually applied before you get the savings.

  • Drive Less and Save – Fewer annual miles on your Audi can earn lower car insurance rates due to less chance of an accident.
  • Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates for A5 insurance than drivers with accidents.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • College Student – Kids who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will let one accident slide before they charge you more for coverage if you have no claims for a particular time prior to the accident.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Home Ownership Discount – Just owning your own home can help you save on car insurance since owning and maintaining a home requires a higher level of personal finance.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.

A little disclaimer on discounts, some credits don’t apply to the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. But any discount will lower your policy premiums.

Large car insurance companies and a summarized list of policyholder discounts can be read below.

  • American Family includes discounts for TimeAway discount, early bird, good driver, multi-vehicle, and Steer into Savings.
  • Nationwide offers premium reductions for good student, defensive driving, accident-free, business or organization, and easy pay.
  • MetLife discounts include multi-policy, good student, defensive driver, claim-free, and good driver.
  • 21st Century offers discounts for air bags, good student, defensive driver, automatic seat belts, anti-lock brakes, theft prevention, and driver training.
  • Farmers Insurance may include discounts for pay in full, mature driver, alternative fuel, distant student, and switch companies.
  • Allstate may have discounts that include premier plus, economy car, multi-policy, new car, anti-lock brakes, and resident student.

When comparing rates, check with every company what discounts are available to you. Some discounts might not be offered in your area.

Affordable insurance coverage

Most of the larger companies such as State Farm, GEICO and Progressive allow you to get coverage prices on the web. Doing online quotes is quite easy because it’s just a matter of typing in the coverages you want as detailed in the form. After you complete the form, their rating system obtains your driving and credit reports and returns pricing information based on these factors.

Online price estimates makes it easy to compare insurance prices but the process of having to visit several different sites and type in the same data is a big time waster. But it’s also necessary to perform this step if you want to get better insurance coverage pricing.

The better way to compare rates

An easier way to find cheaper rates uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much easier to do. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to compare pricing, simply enter your zip code here and submit your coverage information. If you have your current policy handy, we recommend you type in the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have rate quotes based on similar coverages.

Get lower-cost insurance prices by understanding these factors

Many different elements are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but some are more transparent such as your credit history or how financially stable you are.

The items below are some of the major factors that factor into premiums.

  • Do you know you’re credit rating? – Your credit score can be an important factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit rating is lower than you’d like, you could pay less to insure your 2020 Audi A5 by improving your credit score.
  • Better auto insurance rates for continuous auto insurance coverage – Going without insurance can be a sure-fire way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage could result in fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Do you have enough liability insurance? – Liability coverage is the protection when a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.
  • Which gender costs less? – Statistics have proven that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Males and females get in accidents in similar numbers, but the males tend to have more serious accidents. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • Is my state a no-fault state?
  • Is my cargo covered for damage or theft?
  • When can my company non-renew my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I carry comprehensive and collision coverage?
  • What is high-risk coverage and where do I buy it?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete your zip code. It is quick, free and you can get the answers you need.

Insurance coverage basics

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses for things like chiropractic care, surgery, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance – Liability insurance protects you from damage that occurs to people or other property. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like funeral expenses, pain and suffering and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision insurance will pay to fix damage to your A5 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hail damage, falling objects, a broken windshield and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Audi A5.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Summing up your auto insurance search

In this article, we covered some good ideas how you can lower your 2020 Audi A5 insurance premium rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, delays in responding to claim requests or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new auto insurance company can be easy and end up saving you some money.

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