Compare Audi A5 Insurance Rates in Philadelphia

Want to learn how to buy lower-priced Audi A5 insurance in Philadelphia? Finding more affordable premium rates for Audi A5 insurance in Philadelphia could be very difficult for beginners to quoting and comparing prices online. Because there are so many companies competing online, it can easily be a big hassle to locate the lowest price in Pennsylvania.

Unimaginable but true, over 70% of consumers have been with the same company for well over three years, and 38% of customers have never compared rate quotes at all. Many consumers in Philadelphia could save nearly $690 every year by just comparing quotes, but they think it’s difficult to compare rates and save money.

Smart consumers take time to get comparison quotes at least once a year because prices are constantly changing. Even if you think you had the lowest price on Audi A5 insurance in Philadelphia a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to find lower rates on car insurance.

Get cheaper Audi A5 insurance rates in Philadelphia

Some providers don’t list all possible discounts in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known discounts that you can inquire about if you buy Philadelphia car insurance online.

• Discount for Life Insurance – If the company offers life insurance, you could get a lower insurance rate if you buy some life insurance in addition to your auto policy.
• Distant Student – Older children living away from Philadelphia attending college and do not take a car to college may be insured at a cheaper rate.
• New Car Discount – Buying a new car model can be considerably cheaper compared to insuring an older model.
• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Philadelphia car insurance quote.
• Claim Free – Drivers who don’t have accidents have much lower rates as compared to drivers with a long claim history.
• ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
• Bundled Policy Discount – If you can combine your auto and home policy with one insurance company they may give you a discount of up to 20% and get you inexpensive Audi A5 insurance in Philadelphia.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

The chart below visualizes the comparison of Audi A5 insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

Companies and a selection of discounts are included below.

• Esurance policyholders can earn discounts including Switch & Save, multi-policy, multi-car, good driver, and claim free.
• The Hartford discounts include driver training, bundle, anti-theft, vehicle fuel type, good student, air bag, and defensive driver.
• AAA may offer discounts for AAA membership discount, education and occupation, multi-policy, good driver, good student, multi-car, and pay-in-full.
• GEICO offers premium reductions for driver training, defensive driver, five-year accident-free, military active duty, anti-lock brakes, good student, and multi-policy.
• State Farm may include discounts for accident-free, student away at school, anti-theft, Drive Safe & Save, driver’s education, passive restraint, and good student.

If you need lower rates, check with each insurance company the best way to save money. Some discounts listed above might not apply in Philadelphia. To see providers with the best discounts in Philadelphia, click here.

When comparison shopping, there are several ways of comparing price quotes from all the different companies. The easiest way to find competitive Audi A5 insurance rates is simply to get online rate quotes. When price shopping your coverage, more quotes will increase your chances of finding the best rates. Some smaller insurers do not give Philadelphia A5 insurance quotes over the internet, so it’s important to compare prices on coverage from those companies, too.

The providers in the list below offer quotes in Philadelphia, PA. If several companies are displayed, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Facts and figures for Audi A5 insurance

The coverage table displayed below covers a range of prices for Audi A5 models. Learning as much as possible about how auto insurance policy rates are established helps drivers make informed decisions when comparing rates.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can decrease or increase coverage rates considerably.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is which deductible level should you buy. The premium rates below sum up the price difference between high and low physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific garaging location which can revise coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $31 more each month or $372 each year than requesting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 13 months between claim filings, you would save money if you opt for a higher deductible.

Safe drivers pay cheaper rates

The illustration below highlights how traffic violations and fender-benders drive up Audi A5 car insurance costs for different categories of driver ages. The premium estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Audi A5 liability rates compared to full coverage

The diagram below illustrates the difference between Audi A5 yearly insurance costs with full coverage and liability only. The premium estimates are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no exact rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Audi A5 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where only buying liability is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Educated Choices Result in Lower Insurance Premiums

Smart consumers have a good feel for the different types of things that are used to determine auto insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates.

More performance means higher premiums – The performance of the vehicle you own makes a substantial difference in your car insurance bill. Economy passenger models generally have the cheapest insurance rates, but many other things help determine your insurance rates.

The following chart assumes a single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Audi A5 insurance rates compared to other models of vehicles that have different performance risks.

Men pay more for insurance – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Females and males get in accidents at about the same rate, but the men have costlier accidents. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.

The information below shows the comparison of Audi A5 insurance costs for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Decrease prices by maintaining coverage – Going without insurance is a quick way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.

You might have higher rates if you are single – Being married may earn you lower rates on auto insurance. Having a spouse may mean you are more mature than a single person and statistics show married drivers tend to file fewer claims.

Prevent theft and save – Choosing a vehicle with an alarm system can help lower your premiums. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.

Consider raising deductibles – The deductibles define the amount you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are collision with another vehicle, animal collisions, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

Big cities have higher rates – Having an address in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Lower population translates into fewer accident claims. Drivers in populated Pennsylvania areas have to deal with traffic congestion and more severe claims. Higher commute times means higher likelihood of an accident.

Insurance loss probability for an Audi A5 – Auto insurance companies use claims history to calculate a price that will offset losses. Vehicles that the statistics show to have higher number or severity of losses will have a higher cost to insure.

The table below outlines the compiled insurance loss statistics for Audi A5 vehicles. For each coverage category, the statistical loss for all vehicles combined as an average is represented as 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 indicate more frequent losses or a tendency for losses to be larger than average.

Special considerations

When quoting and choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Your situation is unique.

These are some specific questions may help you determine if your insurance needs will benefit from professional help.

• Do I really need UM/UIM coverage?
• What is no-fault insurance?
• What does roadside assistance cover?
• Is extra glass coverage worth it?
• Is my cargo covered for damage or theft?
• What exactly is covered by my policy?
• When should I buy a commercial auto policy?
• What is the rate difference between pleasure use and commuting?
• Do I need higher collision deductibles?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

When should I have guidance from a local insurance agent?

A lot of people just want to get advice from a local agent and often times that is recommended A nice benefit of getting online price quotes is that you can find the lowest rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), the quote information is transmitted to local insurance agents in Philadelphia that can give you free Philadelphia car insurance quotes for your insurance coverage. There is no need to search for any insurance agencies as quotes are delivered to the email address you provide. It’s the lowest rates without a big time investment. If you want to compare prices from one company in particular, feel free to find their quoting web page and submit a quote form there.

Choosing the best insurance company is decision based upon more than just a low price. Below are some questions you should ask.

• Are claim adjusters local or do you have to take your car somewhere else?
• By raising physical damage deductibles, how much would you save?
• What is the agency’s Better Business Bureau rating?
• How are they compensated?
• Is there any savings for paying the full premium?
• Are there any discounts that you might be missing?
• Do they specialize in personal lines auto insurance in Philadelphia?
• Do they have any clout with companies to ensure a fair claim settlement?

The following are Philadelphia insurers willing to provide comparison quotes for Audi A5 insurance in Philadelphia.

• Terra Insurance Services
  1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map
• Nationwide Insurance: Ferullo Insurance Agencies LLC
  1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
• National Insurance Agency
  2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100 – View Map
• Fabey Insurance Agency
  619 E Girard Ave – Philadelphia, PA 19125 – (215) 425-7640 – View Map

More insurance agents

Three main reasons to buy car insurance

Even though Philadelphia A5 insurance rates can get expensive, buying car insurance is most likely required but also gives you several important benefits.

• Just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability protection in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your A5 has a lienholder, most lenders will have a requirement that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi at a more expensive rate and require you to pay the higher premium.
• Car insurance preserves your Audi A5 and your assets. Insurance will also pay for most medical and hospital costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your A5 are without a doubt worth the cost, particularly for liability claims. But the average driver in Pennsylvania is overpaying over $865 each year so compare rates at least once a year to make sure the price is not too high.

Be persistent and save

Insureds switch companies for many reasons like questionable increases in premium, high prices, not issuing a premium refund and policy non-renewal. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

We just presented a lot of techniques to compare Audi A5 insurance rates in Philadelphia. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from some of the smallest insurance companies.

More affordable car insurance in Philadelphia can be purchased on the web in addition to many Philadelphia insurance agents, so you need to quote Philadelphia car insurance with both to have the best chance of lowering rates. Some insurance providers don’t offer internet price quotes and usually these smaller companies only sell through independent insurance agents.

More tips and info about car insurance is available in these articles:

• Red Light Cameras (State Farm)
• How Much are Philadelphia Car Insurance Rates for a Ford Escape? (FAQ)
• Who Has the Cheapest Philadelphia Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Auto Insurance Basics (Insurance Information Institute)
• Get the Right Protection (InsureUonline.org)