Are you overwhelmed by the crazy number of insurance companies in your area? Lot’s of other drivers are too. Vehicle owners have so many companies to choose from that it can quickly become a difficult challenge to locate the lowest insurance rates for Audi A5 insurance in Phoenix. Everyone knows that Phoenix is a good city to live in, but trying to pay high insurance rates can make it nearly impossible for many drivers to afford proper coverage amounts.
Amazingly, most insurance buyers have remained with the same insurance company for a minimum of four years, and virtually 40% of consumers have never shopped around. Many drivers in Arizona could save themselves roughly $700 a year just by shopping around, but they just assume it takes a lot of time to do a rate comparison.
It’s important to compare prices on a regular basis because prices change regularly. Just because you had the best deal on Audi A5 insurance in Phoenix at your last renewal there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because you’re going to get a crash course in the easiest way to find lower rates on insurance.
If you already have coverage, you will definitely be able to reduce premiums using the tips covered below. Quoting and buying affordable car insurance policy in Phoenix can be fairly easy. But Arizona vehicle owners must learn the way companies price insurance differently because rates are impacted by many factors.
Cheap auto insurance in Phoenix, AZ
The companies shown below offer quotes in Arizona. If the list has multiple companies, it’s highly recommended you compare several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $200 | $410 | $344 | $20 | $102 | $1,076 | $90 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $254 | $538 | $244 | $14 | $74 | $1,124 | $94 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $154 | $370 | $288 | $18 | $86 | $916 | $76 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $204 | $474 | $288 | $18 | $86 | $1,070 | $89 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $282 | $588 | $260 | $16 | $78 | $1,224 | $102 |
| A5 2.0T Premium 2-Dr Convertible | $216 | $444 | $308 | $18 | $92 | $1,078 | $90 |
| A5 2.0T Premium Plus 2-Dr Convertible | $184 | $410 | $288 | $18 | $86 | $986 | $82 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $276 | $588 | $288 | $18 | $86 | $1,256 | $105 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $250 | $546 | $390 | $24 | $116 | $1,326 | $111 |
| A5 2.0T Prestige 2-Dr Convertible | $350 | $822 | $362 | $22 | $108 | $1,664 | $139 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $224 | $556 | $288 | $18 | $86 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in vehicle location which can lower or raise premiums greatly.
How careless driving impacts Phoenix auto insurance rates
The information below illustrates how traffic citations and at-fault claims increase Audi A5 car insurance costs for different insured age categories. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Difference between full coverage and liability only rates
The example below examines Audi A5 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data is based on no claims or violations, $1,000 deductibles, single female driver, and no discounts are factored in.
When to drop comprehensive and collision
There is no definitive formula for eliminating full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Audi A5 book value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying over $300 annually for full coverage, then you might want to think about dropping full coverage.
There are some conditions where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Physical damage deductible comparison
The example below shows how different deductible levels and can raise or lower Audi A5 premium costs for each different age group. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.
Score discounts on Phoenix car insurance
Some insurers don’t necessarily list all their discounts very clearly, so the list below details some of the best known and the harder-to-find discounts that may be available. If you’re not getting every credit possible, you could be getting lower rates.
- Renewal Discounts – Select companies give a discount for renewing your policy early. It’s a savings of about 10%.
- Low Mileage Discounts – Fewer annual miles on your Audi may allow you to get cheaper prices.
- Multi-Vehicle Discounts – Drivers who insure multiple cars with the same car insurance company can reduce rates for all insured vehicles.
- No Claims – Phoenix drivers who stay claim-free are rewarded with significantly better rates on Phoenix auto insurance quote as opposed to policyholders that have many claims.
- Theft Deterrent System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Telematics Discount – Insureds that choose to allow driving data submission to spy on driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
- Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.
Larger car insurance companies and some of their more popular discounts are outlined below.
- Progressive offers discounts for good student, multi-policy, online quote discount, continuous coverage, and online signing.
- The Hartford has discounts for air bag, driver training, bundle, good student, and anti-theft.
- Mercury Insurance may offer discounts for anti-theft, ease of repair, location of vehicle, multi-car, accident-free, and age of vehicle.
- GEICO has savings for membership and employees, good student, military active duty, seat belt use, emergency military deployment, five-year accident-free, and air bags.
- AAA policyholders can earn discounts including multi-policy, anti-theft, pay-in-full, AAA membership discount, multi-car, good student, and education and occupation.
- State Farm offers premium reductions for safe vehicle, student away at school, Drive Safe & Save, defensive driving training, and accident-free.
If you are trying to find inexpensive Phoenix auto insurance quotes, ask all the companies which discounts you qualify for. Some credits might not be offered on policies in Phoenix. To view insurance companies who offer cheap Audi A5 insurance quotes in Phoenix, click here.
There’s no such thing as the perfect insurance policy
Keep in mind that when it comes to choosing your policy for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if your insurance needs may require specific advice.
- How do I file an SR-22 for a DUI in Arizona?
- What is covered by UM/UIM coverage?
- Is upholstery damage covered by car insurance?
- When would I need rental car insurance?
- What is motorclub and do I need it?
- Do I have coverage when pulling a U-Haul trailer?
- Is there coverage for my trailer?
- If I use my vehicle for business use is it covered?
- Is my nanny covered when transporting my kids?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Shop online but buy locally
Certain consumers would rather sit down and talk to an agent and that can be a smart move One of the benefits of comparing car insurance online is the fact that drivers can get cheap rate quotes and also buy local.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is sent to local insurance agents who will give competitive quotes for your car insurance coverage. You don’t have to find an agent as quotes are delivered immediately to you. You can most likely find cheaper rates without requiring a lot of work. If you have a need to compare prices from one company in particular, you would need to visit that company’s website and submit a quote form there.
Selecting a insurance company requires you to look at more than just the bottom line cost. Any good agent in Phoenix should know the answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Has the agent ever had any license suspensions?
- Which members of your family are coverage by the policy?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will your rates increase after a single accident?
- Do they carry Errors and Omissions coverage?
- What insurance company do they write the most business with?
Exclusive or Independent: There is a difference
If you want to buy car insurance from a reputable agency, there are two different types of agencies to choose from. Agents in Phoenix can be described as either exclusive or independent.
Exclusive Insurance Agencies
These agents generally can only insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. They are trained well on sales techniques which helps them sell on service rather than price. Some insured continue to use the same exclusive agent mainly due to high brand loyalty and strong financial ratings.
The following is a list of exclusive insurance agencies in Phoenix that can give you comparison quotes.
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map - Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent do not write with just one company and that gives them the ability to insure with many different companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and you don’t have to do anything.
If you need lower rates, you definitely need to include rate quotes from several independent insurance agents in order to compare the most rates. Most also have access to smaller companies who may have lower rates.
Shown below are independent agents in Phoenix that can give you price quote information.
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map - Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
Insurance specifics
Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.
Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (Arizona limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things like scraping a guard rail, rolling your car, hitting a parking meter, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your A5 to bring the cost down.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for funeral costs, hospital visits, chiropractic care and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Liability insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000.
Liability coverage pays for things such as medical services, funeral expenses, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.
Don’t give up on cheaper rates
Cheap Audi A5 insurance in Phoenix can be purchased online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these regional carriers only sell through independent agencies.
You just read quite a bit of information on how to find lower-cost Audi A5 insurance in Phoenix. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices are with a small mutual company. Some small companies often have lower rates on specific markets than their larger competitors like Progressive and GEICO.
More resources
- Side Impact Crash Tests (iihs.org)
- Who Has Cheap Auto Insurance for Used Cars in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Altima in Phoenix? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)