If saving the most money is your goal, then the best way to get low-cost Audi A5 insurance in Mesa is to regularly compare price quotes from different companies who sell insurance in Arizona.
- Try to understand how car insurance works and the changes you can make to lower rates. Many policy risk factors that cause rate increases such as traffic citations, accidents, and a low credit rating can be eliminated by making minor changes in your lifestyle. Later in this article we will cover more details to get cheaper coverage and find available discounts that you may qualify for.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple sources.
- Compare the price quotes to your current policy premium and see if you can save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Provide adequate notice to your current company of your decision to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Don’t forget to place the new certificate of insurance along with the vehicle’s registration papers.
A good piece of advice is to make sure you’re comparing the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from as many companies as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.
It’s safe to assume that auto insurance companies don’t want customers comparing rates. Drivers who shop around for the cheapest rate are likely to buy a new policy because of the high probability of finding a more affordable policy premium. A study showed that people who compared prices once a year saved an average of $3,500 over four years compared to those who never compared prices.
If finding the lowest price on insurance in Mesa is your intention, then understanding how to choose a company and compare insurance coverage can save time and make the process easier.
If you have a policy now or just want cheaper coverage, use these techniques to find the best rates without reducing coverage. This information will help you learn the best methods to compare rates and also save some money in the process Shoppers just have to use the most effective way to buy insurance using one simple form.
Audi A5 insurance discounts in Mesa
Some providers do not advertise the complete list of policy discounts very clearly, so the next list breaks down a few of the more common and also the more inconspicuous credits available to bring down your rates.
- Early Signing – Some companies reward drivers for buying a policy prior to the expiration date on your current A5 insurance policy. You may see this discount when you get Mesa car insurance quotes online.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
- Multiple Cars – Insuring more than one vehicle on a single policy could earn a price break for each car.
- Senior Citizen Discount – Drivers that qualify as senior citizens can get a discount up to 10%.
- Good Students Pay Less – This discount may save as much as 25% on a Mesa car insurance quote. The good student discount can last up to age 25.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
- Good Driver Discount – Insureds without accidents could pay up to 40% less than drivers with accident claims.
- Homeowners Savings – Being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
Keep in mind that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts will definitely reduce the amount you have to pay.
The information below visualizes the comparison of Audi A5 annual premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.
Companies and some of the premium reductions they offer are detailed below.
- 21st Century includes discounts for 55 and older, defensive driver, teen driver, early bird, anti-lock brakes, and air bags.
- Progressive may have discounts that include multi-vehicle, online quote discount, online signing, multi-policy, continuous coverage, homeowner, and good student.
- State Farm may include discounts for good student, driver’s education, anti-theft, multiple autos, Drive Safe & Save, multiple policy, and accident-free.
- Nationwide has discounts for accident-free, business or organization, good student, Farm Bureau membership, easy pay, and anti-theft.
- Esurance discounts include claim free, Pac-12 alumni, good student, safety device, homeowner, and anti-theft.
- The Hartford policyholders can earn discounts including anti-theft, bundle, air bag, vehicle fuel type, defensive driver, and good student.
Double check with every prospective company to give you their best rates. Some of the earlier mentioned discounts may not be available in your state. If you would like to see a list of companies with discount rates in Mesa, follow this link.
The car insurance companies shown below provide free rate quotes in Arizona. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.
Insurance coverage details
The coverage information displayed next showcases different rate quotes for Audi A5 models. Understanding how auto insurance premiums are formulated is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $296 | $582 | $262 | $16 | $78 | $1,234 | $103 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $296 | $582 | $262 | $16 | $78 | $1,234 | $103 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $296 | $658 | $262 | $16 | $78 | $1,310 | $109 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $296 | $658 | $262 | $16 | $78 | $1,310 | $109 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $296 | $658 | $262 | $16 | $78 | $1,310 | $109 |
| A5 2.0T Premium 2-Dr Convertible | $296 | $658 | $308 | $18 | $92 | $1,372 | $114 |
| A5 2.0T Premium Plus 2-Dr Convertible | $296 | $658 | $308 | $18 | $92 | $1,372 | $114 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $326 | $658 | $262 | $16 | $78 | $1,340 | $112 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $326 | $658 | $308 | $18 | $92 | $1,402 | $117 |
| A5 2.0T Prestige 2-Dr Convertible | $326 | $658 | $308 | $18 | $92 | $1,402 | $117 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $326 | $734 | $262 | $16 | $78 | $1,416 | $118 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in garaging location in Mesa which can increase or decrease price quotes greatly.
Choosing deductibles
One of the most common auto insurance questions is at what level do you set your deductibles. The data tables below summarize the rate fluctuation between high and low physical damage coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $292 | $600 | $254 | $16 | $76 | $1,263 | $105 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $292 | $600 | $254 | $16 | $76 | $1,263 | $105 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $292 | $600 | $254 | $16 | $76 | $1,263 | $105 |
| A5 2.0T Premium 2-Dr Convertible | $292 | $600 | $300 | $18 | $90 | $1,325 | $110 |
| A5 2.0T Premium Plus 2-Dr Convertible | $292 | $600 | $300 | $18 | $90 | $1,325 | $110 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A5 2.0T Prestige 2-Dr Convertible | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $322 | $668 | $254 | $16 | $76 | $1,361 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $236 | $484 | $254 | $16 | $76 | $1,066 | $89 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $236 | $484 | $254 | $16 | $76 | $1,066 | $89 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $236 | $484 | $254 | $16 | $76 | $1,066 | $89 |
| A5 2.0T Premium 2-Dr Convertible | $236 | $484 | $300 | $18 | $90 | $1,128 | $94 |
| A5 2.0T Premium Plus 2-Dr Convertible | $236 | $484 | $300 | $18 | $90 | $1,128 | $94 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A5 2.0T Prestige 2-Dr Convertible | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $262 | $540 | $254 | $16 | $76 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can impact price quotes greatly.
Based on these figures, using a $250 deductible costs approximately $16 more each month or $192 a year than opting for the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claim filings, you would probably be better off if you choose the higher deductible.
The diagram below demonstrates how deductibles and can change Audi A5 premium costs for different age groups. The data is based on a married female driver, full coverage, and no other discounts are factored in.
Cost of full coverage in Mesa
The information below shows the comparison of Audi A5 yearly insurance costs with liability coverage only compared to full coverage. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.
When to drop comp and collision
There is no exact rule for dropping physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Audi A5 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where removing full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
What Determines Audi A5 Insurance Rates?
Lots of things are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but some are less obvious such as your marital status or how safe your car is. Smart consumers have a good feel for some of the factors that play a part in calculating the price you pay for insurance. When you understand what determines base rates, this enables you to make decisions that could help you find lower rates.
The itemized list below are a partial list of the pieces insurance companies consider when setting your rates.
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Accidents mean higher rates – Having a single chargeable violation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than bad drivers. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
The example below illustrates how violations and accidents influence Audi A5 insurance prices for different age groups of insureds. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
- Better prices on vehicles with better crash test results – Cars with five star safety ratings get lower rates. The safest vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates.
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Women tend to be lower risk – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into at-fault accidents at about the same rate, but males tend to have higher claims. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.
The diagram below shows the comparison of Audi A5 car insurance rates for male and female drivers. The rates are based on no claims or violations, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
- Do you really need the extra coverages? – There are quite a few add-on coverages that you can buy on your insurance policy. Coverages for vanishing deductibles, death and dismemberment, and extra life insurance coverage may be wasting your money. They may seem good initially, but now you might not need them so think about removing them and cutting costs.
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Audi A5 insurance loss statistics – Companies include the past claim history for a vehicle to determine a price that will be profitable for them. Models that tend to have higher frequency or amount of claims will have increased rates.
The table below demonstrates the collected loss data for Audi A5 vehicles. For each policy coverage type, the claim probability for all vehicles combined as an average is a value of 100. Percentage numbers below 100 suggest losses that are better than average, while numbers above 100 point to more losses or a tendency for claims to be larger.
Audi A5 Insurance Claim Statistics Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A5 2dr 4WD 196 92 140 73 83 100 Audi A5 Convertible 4WD 147 73 140 56 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When to have guidance from a local insurance agent
Some people would rather go talk to an agent and that can be a great decision Insurance agents can help you build your policy and help file insurance claims. The best thing about price shopping on the web is that drivers can save money and get cheap car insurance rates and also buy local.
To help locate an agent, after submitting this short form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your coverage. There is no reason to contact any insurance agencies because prices are sent straight to your inbox. If for some reason you want to compare prices for a specific company, just find their quoting web page and fill out the quote form the provide.
Finding a good provider requires more thought than just a cheap price quote. Any agent in Mesa should be forthright in answering these questions:
- Do they offer claims assistance after hours?
- What is the agency’s Better Business Bureau rating?
- Will you work with the agent or an assistant?
- If your car is totaled, how to they determine the replacement cost?
- Do they offer accident forgiveness?
- Do they reduce claim amounts on high mileage vehicles?
- Is the agency involved in supporting local community causes?
- Can glass repairs be made at your home?
When looking for a reliable agent, you should know the different agency structures and how they function. Agents in Mesa can be classified as either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles properly, but it’s a good idea to understand how they differ because it can factor into your selection of an agent.
Exclusive Car Insurance Agencies
Exclusive agencies are contracted to one company like Farmers Insurance, Allstate, or State Farm. They usually cannot compare other company’s rates so you might not find the best rates. Exclusive agencies receive extensive training on what they offer which helps them sell on service rather than price. Consumers often buy from exclusive agents primarily because of the brand name rather than having the cheapest rates.
Listed below is a short list of exclusive agents in Mesa that can give you price quotes.
- Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map - Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map - Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company so as a result can place your coverage through many different car insurance companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally and you don’t have to do anything.
If you are comparing rate quotes, you will want to get rate quotes from several independent agencies in order to have the best price comparison. They often place coverage with companies you’ve never heard of that may provide cheaper car insurance rates.
The following is a short list of independent agents in Mesa that are able to give price quote information.
- Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map - ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
If you receive acceptable answers to any questions you have as well as a affordable price, you’ve probably found a car insurance agent that is a good match to insure your vehicles.
Why do I need car insurance?
Despite the high cost of buying insurance for a Audi A5 in Mesa, buying car insurance is required in Arizona but it also protects you in many ways.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage if you want to drive legally. 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 took out a loan on your A5, most banks will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Audi at a much higher rate and make you pay the higher price.
- Insurance safeguards both your vehicle and your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, your car insurance policy will pay to repair the damage.
The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. The average driver in Arizona overpays more than $800 each year so compare rate quotes each time the policy renews to save money.
In the end, you can save money
Drivers who switch companies do it for any number of reasons including not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests or questionable increases in premium. Whatever your reason, finding a great new company is less work than it seems.
You just learned a lot of information how to shop for Audi A5 insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper Mesa car insurance quotes. Consumers may even find the most savings is with some of the smallest insurance companies.
Some insurance providers don’t offer rate quotes online and these regional insurance providers only sell coverage through independent agencies. Budget-conscious Audi A5 insurance is possible both online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates.
Additional car insurance information can be read at these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Cheap Mesa Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota Highlander in Mesa? (FAQ)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- How Much are Mesa Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- How Much are Mesa Auto Insurance Rates for Uber Drivers? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Understanding Rental Car Insurance (Insurance Information Institute)