Save Money on Audi Q5 Insurance in San Antonio

Insurance for Audi Q5Trying to come up with a payment for high-priced insurance can diminish your savings and make it hard to pay other bills.

Unbelievably, nearly 70% of drivers have remained with the same insurance company for at least four years, and 38% of customers have never compared rates to find lower-cost insurance. With the average insurance premium being $2,680, Texas drivers could save almost 70% a year by just comparing quotes, but they don’t know the big savings they would realize if they switch to a new company. There are many insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and find the lowest cost insurance.

Finding quotes for the cheapest protection in San Antonio is simple if you know the tricks. If you already have coverage or need a new policy, use these cost-cutting techniques to lower your rates without sacrificing coverage. Consumers just need to learn the least time-consuming way to get comparison quotes using one simple form.

Get Cheaper Car Insurance with These Tips

An important part of buying insurance is that you know some of the elements that go into determining your car insurance rates. When you understand what determines premiums, this allows you to make good choices that can help you get much lower annual insurance costs.

Listed below are some of the major factors utilized by car insurance companies to help set your prices.

Pleasure use or commuting – The higher the miles on your Audi every year the more you’ll pay to insure it. A lot of insurance companies calculate prices partially by how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than those that get driven frequently. It’s a good idea to make sure your policy is showing how each vehicle is driven. Improper usage on your Q5 can cost quite a bit.

Liability protection limits are a factor – A critical coverage on your policy, liability insurance is the protection in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense to defend your case. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Add-on coverages can cost a lot – There are quite a few additional extra coverages that may not really be needed when buying car insurance. Coverages like vanishing deductibles, better glass coverage, and extra equipment coverage are some examples. They may seem like a good idea initially, but if you have no use for them consider taking them off your policy.

Being married reduces risk – Having a significant other may save some money when shopping for car insurance. It demonstrates that you tend to be more financially stable and insurance companies like that drivers who are married file infrequent claims.

Choose high crash test ratings and save – Cars with five star safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Audi Q5 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Higher comp and collision deductibles are cheaper – Comp and collision deductibles tell how much you are willing to pay if a claim is determined to be covered. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Examples of some claims that would be covered are collision with another vehicle, collision with a deer, and damage from wind. The more money you have to pay, the lower your rates will be.

Audi Q5 insurance claim data – Insurers use historical loss data to calculate a rate that offsets possible losses. Models that the data determines to have higher frequency or amount of claims will have higher rates. The table shown below demonstrates the insurance loss data for Audi Q5 vehicles.

For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers below 100 suggest a positive loss record, while numbers above 100 indicate more frequent losses or an increased chance of a larger loss.

Audi Q5 Insurance Claim Statistics
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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How to compare free San Antonio Audi Q5 insurance rate quotes

Finding more affordable San Antonio insurance rates doesn’t have to be difficult. Drivers just need to take a few minutes comparing rate quotes to see which company has affordable Audi Q5 insurance quotes.

It’s so fast and easy to compare price quotes online that it replaces the need to actually drive to all the different San Antonio insurance agencies. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the professional advice of an agent trained in personal lines coverage. It is possible to price shop online but have your policy serviced through an agent.

The providers in the list below are ready to provide comparison quotes in Texas. If several companies are displayed, we suggest you get rates from several of them to get the most affordable price.

Audi Q5 insurance rate analysis

The rate table below outlines different insurance premium costs for Audi Q5 models. Being more informed about how insurance policy premiums are determined is important for drivers to make decisions on which coverage to buy.

Audi Q5 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $228 $520 $514 $30 $154 $1,446 $121
Q5 3.2 Premium Plus AWD $254 $520 $514 $30 $154 $1,472 $123
Q5 3.2 Premium Plus S-Line AWD $254 $520 $514 $30 $154 $1,472 $123
Q5 3.2 Prestige AWD $254 $590 $514 $30 $154 $1,542 $129
Q5 3.2 Prestige S-Line AWD $254 $590 $514 $30 $154 $1,542 $129
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can influence insurance rates significantly.

Policy deductible comparison

One of the most common car insurance questions is the level to set your comp and collision deductibles. The data tables below can help show how much more you’ll pay between low and high comp and collision deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Audi Q5 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $370 $804 $382 $22 $114 $1,717 $143
Q5 3.2 Premium Plus AWD $412 $804 $382 $22 $114 $1,759 $147
Q5 3.2 Premium Plus S-Line AWD $412 $804 $382 $22 $114 $1,759 $147
Q5 3.2 Prestige AWD $412 $908 $382 $22 $114 $1,863 $155
Q5 3.2 Prestige S-Line AWD $412 $908 $382 $22 $114 $1,863 $155
Get Your Own Custom Quote Go

Audi Q5 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $206 $424 $382 $22 $114 $1,148 $96
Q5 3.2 Premium Plus AWD $228 $424 $382 $22 $114 $1,170 $98
Q5 3.2 Premium Plus S-Line AWD $228 $424 $382 $22 $114 $1,170 $98
Q5 3.2 Prestige AWD $228 $478 $382 $22 $114 $1,224 $102
Q5 3.2 Prestige S-Line AWD $228 $478 $382 $22 $114 $1,224 $102
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific San Antonio garaging location which can decrease or increase premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $50 more each month or $600 for a full year than opting for the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 18 months between claims, you would more than likely save some money if you elect the higher deductible. Below is an example of how this calculation is made.

Average monthly premium for $100 deductibles: $149
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Audi Q5 insurance rates by gender

The illustration below illustrates the difference between Audi Q5 car insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no claims, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The information below illustrates the comparison of Audi Q5 premium costs with full physical damage coverage and with liability coverage only. The data is based on no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

When to drop comp and collision

There is no definitive rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Audi Q5 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If it’s costing in excess of $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where only buying liability is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Car insurance is not optional in Texas

Even though it’s not necessarily cheap to insure an Audi in San Antonio, car insurance serves several important purposes.

The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. But the average American driver is overpaying over $865 each year so you should quote and compare rates every year to make sure the price is not too high.

Do you qualify for discounts on Audi Q5 insurance in San Antonio?

Auto insurance companies don’t list every policy discount in a way that’s easy to find, so the list below contains some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy San Antonio auto insurance online. If you are not receiving all the discounts possible, you could be saving more on your auto insurance.Auto insurance discounts

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Despite the appearance that you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The illustration below compares Audi Q5 yearly insurance costs with and without policy discounts. The premiums assume a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.

Large auto insurance companies and a selection of discounts are:

If you need cheaper San Antonio auto insurance quotes, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of insurers who offer discounts in Texas, click here to view.

Car insurance agents near you

Some consumers prefer to buy from a local agent. Insurance agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes and still have a local agent. Buying insurance from local agents is definitely important in San Antonio.

Find insurance agent in San AntonioTo help locate an agent, after submitting this quick form, your information gets sent to local insurance agents that give free quotes for your business. You don’t have to visit any agencies since price quotes are sent to you directly. In the event you want to compare prices from a particular provider, just visit that company’s website to submit a rate quote request.

If you are wanting to purchase auto insurance from a local San Antonio insurance agent, it’s important to understand the types of agencies and how they differ in how they quote coverages. Auto insurance agencies are categorized either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but we need to point out the difference in how they write coverage since it can impact the type of agent you choose.

Independent Auto Insurance Agencies

Independent insurance agents can quote rates with many companies so they can insure your vehicles with an assortment of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you stay with the same agent.

If you are comparing rate quotes, it’s recommended you compare quotes from several independent agencies in order to compare the most rates.

Shown below is a small list of independent agencies in San Antonio that can possibly get you free auto insurance quotes.

1100 NE Interstate 410 LoopSan Antonio, TX 78209(210) 822-2590View Map

1534 W Contour Dr #101San Antonio, TX 78212(210) 828-7873View Map

5300 Walzem RdSan Antonio, TX 78218(210) 646-9870View Map

View more San Antonio agents

Exclusive Agencies

These agents are contracted to one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot place coverage with different providers so always compare other rates. They are usually well trained on sales techniques which helps offset the inability to provide other markets.

Below are San Antonio exclusive agencies who can help you get rate quotes.

21790 Bulverde Rd, 101San Antonio, TX 78259(210) 494-6700View Map

1840 S General McMullen Dr #109San Antonio, TX 78226(210) 433-9000View Map

13421 Blanco RdSan Antonio, TX 78216(210) 492-0314View Map

View more San Antonio agents

Selecting a insurance agent should depend on more than just the quoted price. A good agent in San Antonio will have answers to these questions.

When to get professional advice

When buying the right insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique.Higher deductibles save money

These are some specific questions might point out if you will benefit from professional help.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

One last note

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, delays in responding to claim requests or even being labeled a high risk driver. No matter why you want to switch, finding a new company is actually quite simple.

We just covered many ways to compare Audi Q5 insurance premium rates in San Antonio. The key thing to remember is the more providers you compare, the higher your chance of finding affordable San Antonio auto insurance quotes. You may even discover the lowest premium rates come from a small local company.

Discount Audi Q5 insurance in San Antonio can be bought both online in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. Some companies may not provide price quotes online and most of the time these small, regional companies sell through independent insurance agencies.

For more information, feel free to visit the following helpful articles: