Cheap 2021 Audi SQ5 Insurance Quotes 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: Jun 11, 2024

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Are you regretting buying high-priced auto insurance? It’s a common feeling and there are many people just like you.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best price available.

Where can I get affordable insurance coverage?

There are multiple methods to compare insurance coverage quotes, but some are easier and takes less work. You could waste time driving to agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the larger companies take part in a program where insurance shoppers send in one quote, and every company provides a quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now enter your zip code here.

The only downside to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. If you would rather choose from a list of companies to compare prices, we have assembled a list of insurance coverage companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just make sure you are using the same coverages and limits with each company. If you enter different values for each quote then you won’t be able to get a fair rate comparison. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, more quotes gives you a better chance of getting the best price.

You may qualify for discounts

Companies that sell car insurance don’t necessarily list every discount they offer very clearly, so the following is a list of both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Drivers Ed for Students – Teen drivers should complete a driver education course as it can save substantially.
  • Accident Waiver – but certain companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Save over 55 – Drivers over the age of 55 are able to get better auto insurance rates on SQ5 insurance.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction on SQ5 insurance depending on your auto insurance provider.
  • Good Driver Discount – Insureds without accidents can save as much as half off their rates on SQ5 insurance than less cautious drivers.
  • Anti-lock Brake System – Cars with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Full Payment Discount – By paying your entire bill at once rather than paying monthly you may reduce your total bill.
  • Claim Free – Insureds who avoid accidents and claims can save substantially when compared with accident-prone drivers.
  • Savings for New Vehicles – Insuring a new car may earn a small discount because new model year vehicles keep occupants safer.

One last thing about discounts, most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, that’s just not realistic. Any amount of discount should help reduce your auto insurance premiums.

The best auto insurance companies and some of the discounts are:

  • State Farm policyholders can earn discounts including Drive Safe & Save, safe vehicle, student away at school, accident-free, driver’s education, and defensive driving training.
  • Esurance discounts include multi-policy, good driver, claim free, online quote, Pac-12 alumni, safety device, and multi-car.
  • Progressive offers premium reductions for continuous coverage, homeowner, good student, online quote discount, multi-policy, multi-vehicle, and online signing.
  • Liberty Mutual may include discounts for new vehicle discount, exclusive group savings, teen driver discount, newly married, new move discount, and preferred payment discount.
  • Auto-Owners Insurance has discounts for multi-policy, safe vehicle, paid in full, teen driver, air bags, and student away at school.
  • GEICO includes discounts for seat belt use, multi-policy, daytime running lights, multi-vehicle, good student, anti-theft, and five-year accident-free.

It’s a good idea to ask every insurance company which discounts you qualify for. Some credits may not be offered in your area. For a list of providers that offer the discounts shown above, enter your zip code here.

There’s no such thing as the perfect insurance policy

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Is my babysitter covered when using my vehicle?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to buy liability insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is Motor Club coverage worth it?
  • Am I missing any policy discounts?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your SQ5 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi SQ5.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, nursing services, rehabilitation expenses, prosthetic devices and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

This protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

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