Having to pay for high-priced Audi SQ5 insurance in Phoenix can take a big chunk out of your family’s budget and force you to cut corners elsewhere. Getting a rate comparison is free and is an excellent way to lower your monthly bill.
Amazlingly, a recent NerdWallet.com study showed that the vast majority of car insurance customers have been with the same company for well over three years, and practically 40% of car insurance customers have never taken the time to shop around. Phoenix consumers could save themselves almost $730 a year just by shopping around, but they don’t want to spend time to find cheap rates by getting comparison quotes.
Companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Smart consumers take time to shop coverage around on a regular basis because car insurance rates fluctuate regularly. Despite the fact that you may have had the best rate on Audi SQ5 insurance in Phoenix at your last renewal there is a good chance you can find better prices now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.
If you’re already insured, you should be able to find the best rates using the ideas you’re about to read. Buying affordable car insurance in Phoenix is actually very simple if you learn how to start. But Arizona drivers should learn the way insurance companies sell online because rates fluctuate considerably.
Get cheaper Audi SQ5 insurance rates in Phoenix
Insuring your vehicles can cost a lot, but you may qualify for discounts that could drop your premiums quite a bit. Some trigger automatically at the time of purchase, but a few must be manually applied before you get the savings. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.
- No Accidents – Drivers who don’t have accidents can earn big discounts when compared to policyholders that have many claims.
- Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Resident Student – Kids who are attending college and won’t have access to an insured vehicle could get you a discount.
- Early Renewal Discounts – Some larger companies reward drivers for buying a policy before your current SQ5 insurance policy expires. This can save 10% or more.
- Defensive Driver Discounts – Taking a defensive driver course can save you 5% or more if you qualify.
- Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Discounts for Good Drivers – Safe drivers can save up to 40% or more on their Phoenix car insurance quote compared to accident prone drivers.
- Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
- Onboard Data Collection – Drivers that enable data collection to monitor vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts will definitely lower your auto insurance premiums.
A list of companies and their possible discounts are detailed below.
- Progressive discounts include homeowner, online quote discount, multi-policy, online signing, good student, continuous coverage, and multi-vehicle.
- MetLife offers discounts for multi-policy, claim-free, good student, accident-free, and defensive driver.
- Mercury Insurance may offer discounts for good driver, multi-policy, location of vehicle, annual mileage, age of vehicle, and professional/association.
- Nationwide offers premium reductions for good student, business or organization, multi-policy, defensive driving, accident-free, easy pay, and anti-theft.
- GEICO offers discounts including military active duty, defensive driver, air bags, emergency military deployment, anti-theft, and multi-vehicle.
- AAA includes discounts for anti-theft, good driver, pay-in-full, education and occupation, multi-policy, and AAA membership discount.
Check with all the companies the best way to save money. Savings might not be available to policyholders in every state. If you would like to see a list of companies who offer auto insurance discounts in Phoenix, click here.
The best way to get rate comparisons for Audi SQ5 insurance in Phoenix is to know most insurance companies provide online access to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details including your education level, if the car is leased, how old drivers are, and types of safety features. The data is then submitted to multiple different insurance companies and you will receive price estimates within a short period of time.
If you wish to get multiple quotes for your Audi SQ5 now, click here and complete the form.
The companies shown below are ready to provide price comparisons in Arizona. If several companies are displayed, we suggest you visit two to three different companies to get the best price comparison.
Car insurance is unique, just like you
When it comes to coverage online or from an agent, there really isn’t a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions might help in determining if you could use an agent’s help.
- Can I cancel at any time?
- What is the difference between personal and commercial auto insurance policies?
- Does car insurance cover theft of personal property?
- Does having multiple vehicles earn me a discount?
- How does medical payments coverage work?
- Do I need replacement cost coverage?
- I have a DUI can I still get coverage?
- Do I need special coverage while pulling a rented trailer?
- Can I get by with minimal medical coverage if I have good health insurance?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Compare prices but buy from a local Phoenix insurance agent
A lot of people prefer to buy from a local agent and often times that is recommended An additional benefit of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information gets sent to local insurance agents who can give free rate quotes for your business. It makes it easy because there is no need to visit any agencies because quoted prices will be sent to you directly. You can find lower rates without requiring a lot of work. If for some reason you want to quote rates from one company in particular, don’t hesitate to search and find their rate quote page and complete a quote there.
Picking a provider shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- Are they able to provide referrals?
- Will they make sure you get an adequate claim settlement?
- Who are their largest clients?
- Do they have 24-hour customer assistance?
- Is the agency involved in supporting local community causes?
- If they are an independent agency in Phoenix, which companies do they recommend?
If you need to find a reliable agent, it’s important to understand the different types of agencies and how they operate. Insurance agencies in Phoenix can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company’s prices so they have to upsell other benefits. Exclusive agents are trained well on sales techniques which helps them compete with independent agents.
Below are Phoenix exclusive insurance agents that can give you price quote information.
Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
Independent Agencies or Brokers
These type of agents do not write with just one company so they can insure your vehicles with many different companies and find the cheapest rate. If they quote lower rates, they simply move your policy to a different company and you won’t have to switch agencies.
When comparison shopping, you will definitely want to compare quotes from independent agents to get the most accurate price comparison.
Below is a short list of independent agencies in Phoenix who can help you get rate quotes.
Insuring your vehicle just makes sense
Despite the high cost, buying insurance is required in Arizona but also provides important benefits.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Audi, it’s most likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Audi at an extremely high rate and require you to reimburse them the higher price.
- Insurance protects not only your Audi SQ5 but also your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, especially with large liability claims. The average driver in America is currently overpaying as much as $810 a year so compare rates each time the policy renews to ensure rates are competitive.
Insurance policy specifics
Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Audi SQ5.
Since many Arizona drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000.
Liability insurance covers things like funeral expenses, pain and suffering, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing higher limits.
Collision insurance covers damage to your SQ5 resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a ditch, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible on your SQ5 in order to get cheaper collision rates.
Insurance for medical payments
Med pay and PIP coverage provide coverage for immediate expenses for doctor visits, chiropractic care and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from flooding, fire damage, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Do the work, save more money
When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
We just covered a lot of ways to find lower-cost Audi SQ5 insurance in Phoenix. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable Phoenix car insurance quotes. You may even be surprised to find that the best price on auto insurance is with some of the lesser-known companies. These companies can often provide lower car insurance rates in certain areas compared to the large companies like Allstate and Progressive.
Additional auto insurance information is located at the links below
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Phoenix? (FAQ)
- How Much are Phoenix Car Insurance Quotes for a GMC Sierra? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Low Mileage Drivers? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Single Moms? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Tools for Teen Driving Safety (State Farm)
- Vehicle Safety Ratings (iihs.org)