Easy Guide to Cheaper Audi Q5 Insurance Rates
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the reality is, you probably don't enjoy it and you think it costs too much. Finding affordable coverage for your Audi Q5 probably is no different.
Step One: Compare Multiple Rate Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. But you can now comparison shop and buy direct online!
The best car insurance companies offer online quoting for a Audi Q5 and it's very easy to compare different rates by only using one form.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Q5 is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Insider Tips for Finding Cheaper Q5 Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Q5 that will also lower the rate you pay irregardless of which company you choose.
- Some people just like the looks of a higher performance vehicle like the Audi Q5, but even if you don't use the extra power it's going to cost you more when your insurance bill arrives.
- For some reason, car theives target particular makes and models more than others. If your Q5 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- The Q5 would be considered a luxury vehicle, and repair costs are generally higher for more expensive vehicles. This increased cost is passed on to you through a higher insurance cost.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Since SUV's like the Q5 generally have a larger power train, they cost a little more to insure.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Buy the Policy That's Right for You
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Q5 with.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
Before you drive your Audi Q5 home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Q5.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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