Has it been over a year since you last compared quotes for low-cost Audi A5 insurance in Cleveland? Locating better insurance prices for an Audi A5 in Ohio can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for insurance so you’re going to learn the best way to get price quotes for a new or used Audi and get the cheapest rates either online or from Cleveland insurance agents.
It’s important to compare premium rates at least once a year because prices are constantly changing. Despite the fact that you may have had the lowest rates on Audi A5 insurance in Cleveland a couple years back you can probably find a better premium rate now. There is a lot of bad advice regarding A5 insurance on the internet, but I’m going to show you the easiest ways to quit paying high insurance rates in Cleveland.
If you have coverage now or just want cheaper rates, you will benefit by learning to reduce premiums and still get good coverage. Finding the best insurance coverage in Cleveland is simple if you know the tricks. Drivers just need to understand the quickest way to shop on the web.
The companies shown below are ready to provide comparison quotes in Cleveland, OH. If your goal is to find cheap car insurance in Ohio, we suggest you visit two to three different companies in order to get a fair rate comparison.
Protect your A5 and other assets
Despite the fact that insurance is not cheap in Cleveland, paying for insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means the state requires specific limits of liability in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, almost all lenders will force you to have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Audi at a much higher rate and force you to reimburse them for it.
Third, insurance protects your Audi A5 and your assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. But the average driver in Ohio overpays more than $700 annually so it’s important to compare rates at every policy renewal to make sure the price is not too high.
Audi A5 insurance rates and statistics
The coverage information displayed below showcases estimates of rate quotes for Audi A5 models. Being able to understand how auto insurance prices are established can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $212 | $492 | $218 | $12 | $66 | $1,000 | $83 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $212 | $492 | $218 | $12 | $66 | $1,000 | $83 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $212 | $558 | $218 | $12 | $66 | $1,066 | $89 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $212 | $558 | $218 | $12 | $66 | $1,066 | $89 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $212 | $558 | $218 | $12 | $66 | $1,066 | $89 |
| A5 2.0T Premium 2-Dr Convertible | $212 | $558 | $256 | $16 | $76 | $1,118 | $93 |
| A5 2.0T Premium Plus 2-Dr Convertible | $212 | $558 | $256 | $16 | $76 | $1,118 | $93 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $232 | $558 | $218 | $12 | $66 | $1,086 | $91 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $232 | $558 | $256 | $16 | $76 | $1,138 | $95 |
| A5 2.0T Prestige 2-Dr Convertible | $232 | $558 | $256 | $16 | $76 | $1,138 | $95 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $232 | $622 | $218 | $12 | $66 | $1,150 | $96 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location information which can revise premiums noticeably.
Audi A5 liability-only versus full coverage
The diagram below shows the difference between Audi A5 auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no definitive formula of when to phase out physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Audi A5 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying over $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are a few cases where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Auto insurance discounts are available to get cheap rates
Auto insurance is not inexpensive, but you can get discounts that many people don’t even know exist. Many discounts should be triggered at quote time, but lesser-known reductions have to be asked for before being credited. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Buy New and Save – Buying insurance on a new vehicle is cheaper due to better safety requirements for new vehicles.
- Driver Safety – Successfully completing a class that teaches driver safety techniques could save 5% or more if your company offers it.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance.
- Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
- Senior Citizen Discount – Mature drivers may receive better auto insurance rates.
- Pay Early and Save – By paying your policy upfront instead of paying each month you can avoid the installment charge.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
- Responsible Driver Discount – Accident-free drivers can pay as much as 50% less than drivers with accident claims.
As is typical with insurance, most credits do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.
The example below shows the comparison of Audi A5 car insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.
A list of companies and their offered discounts are outlined below.
- Travelers has discounts for save driver, good student, student away at school, hybrid/electric vehicle, early quote, and payment discounts.
- 21st Century includes discounts for good student, student driver, defensive driver, 55 and older, driver training, anti-lock brakes, and teen driver.
- State Farm offers discounts for multiple policy, accident-free, anti-theft, good student, and defensive driving training.
- GEICO has savings for membership and employees, military active duty, daytime running lights, federal employee, and seat belt use.
- SAFECO may include discounts for safe driver, teen safety rewards, homeowner, teen safe driver, anti-lock brakes, bundle discounts, and drive less.
- AAA may have discounts that include good driver, multi-car, education and occupation, anti-theft, and AAA membership discount.
If you are trying to find low cost Cleveland car insurance quotes, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your state.
Insurance agents can help
When selecting the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your insurance should unique, too.
For example, these questions can help discover whether you might need professional guidance.
- How high should deductibles be on a Audi A5?
- When does my teenage driver need to be added to my policy?
- Does liability extend to a camper or trailer?
- I have good health insurance, so how much medical payments coverage do I need?
- How much coverage applies to personal belongings?
- How do I file an SR-22 for a DUI in Ohio?
- What is roadside assistance coverage?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.