2024 Audi A5 Insurance Cost – 5 Tips for Best Prices

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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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Being forced to pay for pricey insurance premiums can diminish your personal savings and force you to make tough financial choices. Comparing price quotes can save money and help to lower your bills every month.

There is such a variety of insurers to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to find the best rates.

It’s a great practice to get comparison quotes before your next renewal because prices change regularly. Despite the fact that you may have had the lowest price for A5 coverage a couple years back you may be paying too much now. You can find a lot of wrong information about insurance out there, but in just a couple of minutes you can learn some of the best techniques to find cheap insurance.

Shopping for the cheapest protection is simple if you know the tricks. Just about anyone who is required by state law to have car insurance most likely will be able to find better rates. But car owners do need to know how the larger insurance companies compete online and use this information to your advantage.

Insurance coverage quotes comparison

When shopping for insurance coverage there are multiple ways of comparing price quotes from different companies. The fastest way to find the lowest 2024 Audi A5 rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  1. If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is to use a rate comparison form. This method saves time by eliminating repetitive form submissions for each price estimate. In just a few minutes this one form gets rate comparisons from insurance coverage companies with the best prices.
  2. A more time consuming way to find better pricing requires a trip to the website for every company you want to compare to complete their respective quote request forms. For examples sake, let’s assume you want to view quotes from Farmers, Progressive and State Farm. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.
  3. The last way to shop rates is to waste gas driving to and from local insurance agencies. The fact that you can get quotes online reduces the need to sit down with an agent unless you have a need for the professional abilities that only a licensed agent can provide. However, consumers can compare online quotes and still use a local agent.

Take whichever approach you prefer, but be sure you’re using the exact same quote data on every price quote you get. If you have unequal deductibles or liability limits it’s impossible to make a fair comparison for your Audi A5. Quoting even small variations in insurance coverages can make a big difference in price. Keep in mind that getting more free quotes will increase your chances of finding the best price. Not every company allows you to get rate quotes online, so it’s recommended that you also compare rates from those companies as well.

Find discounts on insurance

The price of auto insurance can be rather high, but there’s a good chance there are discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but once in a while a discount must be asked for before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Accident Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Telematics Data Discounts – People who choose to allow companies to scrutinize driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
  • Online Discount – Many larger companies will give a small break for buying your policy digitally online.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of insurance companies and a summarized list of policyholder discounts can be found below.

  • State Farm offers premium reductions for good student, safe vehicle, Drive Safe & Save, anti-theft, defensive driving training, Steer Clear safe driver discount, and driver’s education.
  • GEICO has discounts for driver training, multi-vehicle, good student, multi-policy, and seat belt use.
  • SAFECO policyholders can earn discounts including teen safety rewards, anti-theft, teen safe driver, anti-lock brakes, and drive less.
  • Farmers Insurance has savings for alternative fuel, business and professional, good student, switch companies, and youthful driver.
  • AAA discounts include AAA membership discount, education and occupation, pay-in-full, multi-policy, good student, good driver, and anti-theft.
  • USAA may include discounts for vehicle storage, family discount, annual mileage, loyalty savings, and good student.

Check with each company or agent what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. To find insurance companies that offer discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • What is an SR-22 filing?
  • What is the minimum liability in my state?
  • When does my teenage driver need to be added to my policy?
  • Will filing a claim cost me more?
  • What is PIP insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my car insurance cover rental cars?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to convey the message about savings after switching your coverage. How is it possible that every company can have lower policy pricing? You have to listen carefully.

All the different companies look for specific characteristics for the type of insured they prefer to insure. For instance, a preferred risk could be a mature driver, insures multiple vehicles, and has excellent credit. A prospective insured who meets those qualifications is entitled to the best price and have a good chance to cut their rates substantially.

Consumers who do not match these stringent criteria may receive more expensive rates which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently make claims like that.

This really emphasizes why you really should get auto insurance quotes from several different companies. It’s impossible to know which insurance companies will provide the lowest premium rates.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, hospital visits, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

This protects you from damages or injuries you inflict on people or other property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, falling objects and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

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 hospital bills for your injuries and damage to your Audi A5.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Collision coverage

This covers damage to your A5 resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Saving money makes a lot of cents

Lower-priced 2024 Audi A5 insurance is attainable on the web and from local agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not provide rates over the internet and these regional insurance providers provide coverage only through independent insurance agencies.

As you quote auto insurance, never reduce needed coverages to save money. Too many times, someone sacrificed collision coverage only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

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