Save Money on Audi Q5 Insurance in Phoenix

Discount Audi Q5 insurancePrice shopping your Audi Q5 insurance in Phoenix can be quite difficult for drivers who are new to shopping for insurance online. There are so many options that it can quickly become hard work to find more affordable prices in Arizona.

It’s astonishing, but most consumers have remained with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never quoted auto insurance rates at all. Consumers in Arizona can cut their rates by about $700 a year by just comparing rate quotes, but they mistakenly think it’s difficult to compare rates and save money.

These discounts can cut Audi Q5 insurance rates

Companies don’t always list every discount very well, so the list below gives a summary of some of the best known and also the more inconspicuous credits that may apply to you.

As a sidenote, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, that’s just not realistic.

A few of the larger companies and a selection of discounts are:

When getting a coverage quote, ask every company how you can save money. Savings may not apply to policies in your state. If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Phoenix, click this link.

The most recommended method to compare policy rates for Audi Q5 insurance in Phoenix takes advantage of the fact car insurance companies provide online access to give rate comparisons. To begin a comparison, all you need to do is provide a little information including if a SR-22 is needed, the year, make and model of vehicles, how much school you completed, and whether you are married. Those rating factors gets sent immediately to insurance companies and you get price estimates almost instantly.

If you wish to get multiple quotes for your car now, click here and enter your coverage details.

The companies shown below can provide comparison quotes in Phoenix, AZ. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Audi Q5 Insurance Rate Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $224 $524 $282 $16 $84 $1,130 $94
Q5 3.2 Premium Plus AWD $164 $306 $308 $18 $92 $888 $74
Q5 3.2 Premium Plus S-Line AWD $224 $440 $282 $16 $84 $1,046 $87
Q5 3.2 Prestige AWD $292 $600 $300 $18 $90 $1,300 $108
Q5 3.2 Prestige S-Line AWD $184 $410 $288 $18 $86 $986 $82
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in Phoenix location which can revise auto insurance rates greatly.

Auto insurance deductibles

The example below illustrates how choosing a deductible and can affect Audi Q5 insurance costs for each different age group. The data is based on a married female driver, full coverage, and no other discounts are factored in.

Gender-based auto insurance premiums in Phoenix

The example below shows the comparison of Audi Q5 insurance rates for male and female drivers. The premium estimates are based on no claims or violations, comp and collision included, $500 deductibles, drivers are not married, and no policy discounts are applied.

Reckless driving habits raise auto insurance rates

The chart below illustrates how speeding tickets and at-fault collisions can drive up Audi Q5 insurance rates for different age groups. The premium estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Smart Choices Result in Lower Insurance Premiums

Many different elements are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although others are less obvious such as your marital status or how safe your car is. One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that help calculate insurance rates. When consumers understand what determines base rates, this enables informed choices that can earn you much lower annual insurance costs.

The itemized list below are a few of the “ingredients” used by insurance companies to determine your prices.

Don’t cut corners with liability insurance – Liability insurance will provide protection if you are responsible for physical damage or personal injury to other. Your liability coverage provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

Men pay higher prices – Statistics show women are more cautious behind the wheel. However, don’t assume that females are better drivers. Men and women have fender benders at a similar rate, but men have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving.

Save money by having multiple policies – Some insurance companies will award better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to guarantee you are still saving the most. Drivers may still save even more than the discount even if you insure with multiple companies

Do you really need roadside assistance? – Policies have optional add-on coverages you can purchase when buying insurance. Coverages like replacement cost coverage, accident forgiveness, and motor club memberships are some examples. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past get rid of them and save.

Your spouse saves you money – Walking down the aisle may earn you lower rates when shopping for insurance. It is viewed as being more mature and statistics prove being married results in fewer claims.

Insurance rates in urban areas – Residing in less populated areas may provide you with better prices when insuring your vehicles. City drivers have to deal with more traffic problems and higher rates of accident claims. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.

Pay more out-of-pocket – Your deductibles define how much you are required to spend out-of-pocket if the claim is covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive.

Audi Q5 insurance claim data – Companies analyze the history of losses in order to profitably underwrite each model. Vehicles that statistically have higher claim frequency or loss amount will have higher rates for specific coverages. The table below illustrates the collected loss data for Audi Q5 vehicles.

For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Percentage values below 100 imply a favorable loss record, while values that are above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

Insurance Loss Ratings for Audi Q5 Vehicles

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi Q5 4dr 4WD 143 96 110 61 55 78
Audi Q5 Hybrid 4dr 4WD 156 165

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Will just any policy work for me?

When selecting proper insurance coverage for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

You may need advice from an agent

Certain consumers just want to buy from a local agent and doing that can be a smart decision A good thing about comparing car insurance online is you can get the lowest rates but also keep your business local. Putting coverage with neighborhood insurance agencies is definitely important in Phoenix.

To make it easy to find an agent, after completing this quick form, your coverage information gets sent to local insurance agents who will return price quotes for your insurance coverage. You won’t even need to visit any agencies since price quotes are sent to you. You can get cheaper car insurance rates AND a local agent. If you have a need to get a comparison quote from a particular provider, feel free to search and find their rate quote page and complete a quote there.

When searching for an insurance agent, you should know the different agency structures to choose from. Agents can be classified as either independent agents or exclusive agents.

Independent Agents

Agents of this type are not restricted to one company so they have the ability to put coverage with a variety of different insurance companies enabling the ability to shop coverage around. If they quote lower rates, your policy is moved internally and the insured can keep the same agent. If you are trying to find cheaper rates, it’s a good idea to get some free quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. They often place coverage with small mutual carriers which may provide better rates.

Listed below is a short list of independent agents in Phoenix that may be able to give you free price quotes.

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Exclusive Insurance Agencies

Exclusive insurance agents can only provide pricing for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive extensive training on what they offer and that allows them to sell at a higher price point. Consumers often use the same agent partially due to high brand loyalty and strong financial ratings.

Below is a list of exclusive insurance agents in Phoenix willing to provide price quotes.

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Choosing an auto insurance agent should include more criteria than just the price. These are some questions your agent should answer.

Upon receiving good responses as well as offering an affordable quote, you may have just found an insurance agent that meets the criteria to properly insure your vehicles. It’s important to know that it’s your coverage and you can terminate your policy whenever you wish so never assume that you are obligated to any specific agency with no way to switch.

Three good reasons to insure your vehicle

Despite the high insurance cost for a Audi Q5 in Phoenix, buying car insurance is a good idea for several reasons.

The benefits of insuring your Q5 are without a doubt worth the cost, especially if you ever need it. Despite what companies tell you, the average driver overpays as much as $865 each year so compare rate quotes at every policy renewal to be sure current rates are still competitive.

More effort can pay off

People switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, finding a great new company is actually quite simple.

When getting Phoenix auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

We just presented some good ideas how you can get a better price on Audi Q5 insurance in Phoenix. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best car insurance rates are with some of the lesser-known companies.

Additional insurance information can be read on the following sites: