Insurance rates Audi A5 in Fort WayneTrying to find cheaper Audi A5 insurance in Fort Wayne? Paying for overpriced Audi A5 insurance in Fort Wayne can overdraw your savings account and put a big crunch on your finances. Price shopping at each renewal is free and is an excellent way to tighten up your finances.

Statistics show that about 70% of customers have been with the same company for well over three years, and 38% of drivers have never quoted car insurance rates at all. Fort Wayne consumers could cut their rates by as much as $697 a year by just comparing rate quotes, but they don't know the amount of money they would save if they replace their high priced policy. Because you have many choices of insurance companies that have affordable insurance for an Audi A5 in Fort Wayne, it can be challenging to pick the best company.

You should take the time to do price comparisons every six months since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Audi A5 insurance in Fort Wayne last year a different company probably has better prices today. There are a lot of ways to save on A5 insurance on the internet, but by reading this article, you're going to learn a bunch of ideas how to slash your car insurance rates in Fort Wayne.

Getting cheap auto insurance pricing can be surprisingly simple. Consumers just need to take a couple of minutes to compare rates provided by online insurance companies.

Online shopping is fast and free, and it makes it a waste of time to spend time driving to and from local Fort Wayne insurance agencies. Comparing Audi A5 insurance rate quotes online eliminates the need for an insurance agent unless you want the professional guidance that only a licensed agent can provide. Although you can comparison shop online and have a local agent actually service the policy.

The companies shown below offer price quotes in Fort Wayne, IN. If more than one company is shown, we recommend you visit two to three different companies to find the most affordable car insurance rates.

Audi A5 Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $310 $496 $312 $18 $94 $1,230 $103
A5 2.0T Quattro Premium Plus 2-Dr Coupe $190 $412 $270 $16 $80 $968 $81
A5 3.2 Quattro Prestige 2-Dr Coupe $190 $466 $270 $16 $80 $1,022 $85
A5 3.2 Quattro Premium Plus 2-Dr Coupe $168 $352 $238 $14 $72 $844 $70
A5 2.0T Quattro Prestige 2-Dr Coupe $144 $364 $270 $16 $80 $874 $73
A5 2.0T Premium 2-Dr Convertible $346 $670 $368 $22 $110 $1,516 $126
A5 2.0T Premium Plus 2-Dr Convertible $276 $616 $290 $18 $86 $1,286 $107
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $144 $300 $230 $14 $68 $756 $63
A5 2.0T Prestige S-Line 2-Dr Convertible $342 $562 $368 $22 $110 $1,404 $117
A5 2.0T Prestige 2-Dr Convertible $272 $556 $380 $22 $114 $1,344 $112
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $258 $644 $270 $16 $80 $1,268 $106
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can influence rates greatly.

How much more does full coverage cost?

The diagram below shows the difference between Audi A5 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims, a clean driving record, $500 deductibles, married female driver, and no discounts are taken into consideration.

When to drop comp and collision

There is no set rule to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's say your Audi A5 replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If you are paying over $300 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Careless driving habits raise car insurance rates

The diagram below demonstrates how traffic citations and fender-benders can influence Audi A5 auto insurance rates for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Deductible comparison

A question often asked by Fort Wayne drivers is where should you set your physical damage deductibles. The figures shown below sum up the rate differences between low and high comp and collision deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Audi A5 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $304 $592 $238 $14 $72 $1,245 $104
A5 2.0T Quattro Premium Plus 2-Dr Coupe $304 $592 $238 $14 $72 $1,245 $104
A5 3.2 Quattro Prestige 2-Dr Coupe $304 $670 $238 $14 $72 $1,323 $110
A5 3.2 Quattro Premium Plus 2-Dr Coupe $304 $670 $238 $14 $72 $1,323 $110
A5 2.0T Quattro Prestige 2-Dr Coupe $304 $670 $238 $14 $72 $1,323 $110
A5 2.0T Premium 2-Dr Convertible $304 $670 $280 $16 $84 $1,379 $115
A5 2.0T Premium Plus 2-Dr Convertible $304 $670 $280 $16 $84 $1,379 $115
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $334 $670 $238 $14 $72 $1,353 $113
A5 2.0T Prestige S-Line 2-Dr Convertible $334 $670 $280 $16 $84 $1,409 $117
A5 2.0T Prestige 2-Dr Convertible $334 $670 $280 $16 $84 $1,409 $117
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $334 $748 $238 $14 $72 $1,431 $119
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Audi A5 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $222 $400 $238 $14 $72 $946 $79
A5 2.0T Quattro Premium Plus 2-Dr Coupe $222 $400 $238 $14 $72 $946 $79
A5 3.2 Quattro Prestige 2-Dr Coupe $222 $452 $238 $14 $72 $998 $83
A5 3.2 Quattro Premium Plus 2-Dr Coupe $222 $452 $238 $14 $72 $998 $83
A5 2.0T Quattro Prestige 2-Dr Coupe $222 $452 $238 $14 $72 $998 $83
A5 2.0T Premium 2-Dr Convertible $222 $452 $280 $16 $84 $1,054 $88
A5 2.0T Premium Plus 2-Dr Convertible $222 $452 $280 $16 $84 $1,054 $88
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $244 $452 $238 $14 $72 $1,020 $85
A5 2.0T Prestige S-Line 2-Dr Convertible $244 $452 $280 $16 $84 $1,076 $90
A5 2.0T Prestige 2-Dr Convertible $244 $452 $280 $16 $84 $1,076 $90
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $244 $504 $238 $14 $72 $1,072 $89
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific Fort Wayne garaging location which can affect coverage prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs about $27 more each month or $324 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average more than 15 months between claim filings, you would more than likely save some money by going with a higher deductible. Below is how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $112
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Best reasons to buy auto insurance in Indiana

Even though it can be expensive, insurance may be required for several reasons.

The benefits of carrying adequate insurance outweigh the cost, particularly for liability claims. On average, a vehicle owner in Fort Wayne is currently overpaying as much as $869 every year so it's recommended you shop around once a year at a minimum to ensure rates are competitive.

Switch companies and save? Really?

Consumers in Indiana can't ignore all the ads that claim the cheapest premium rates by Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise that drivers can save some big amount if you get a free Fort Wayne auto insurance quote and switch your insurance coverage to their company.

That's great but how can every company offer drivers better rates? This is the way they can do it.

Different companies offer their best rates for the type of driver that earns them the highest profit. For example, a desirable risk might be a female over age 40, has no tickets, and has great credit. Any person who fits those characteristics will get low prices and have a good chance to pay quite a bit less when switching companies.

People who may not quite match this stringent profile may be required to pay higher premium rates which leads to the driver buying from a lower-cost company. If you pay attention, the ads say "drivers that switch" but not "all drivers who get quotes" can save as much as they claim. That's why insurance companies can confidently lure you into getting a quote. This really illustrates why drivers should get a wide range of price quotes. It's impossible to know which insurance companies will fit you best based on your risk profile.

Companies offer lots of discounts on Audi A5 insurance in Fort Wayne

Insurance is not an enjoyable expense, but you might find some hidden discounts that you may not even be aware of. Many of these discounts will be applied automatically when you get a quote, but some need to be inquired about before you will receive the discount.Cheaper insurance with discounts

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, it's just not the way it works.

If you would like to see a list of insurance companies who offer free Audi A5 insurance quotes in Fort Wayne, click here.

Should I have guidance from an insurance agent?

Certain consumers still like to talk to a local agent and often times that is recommended Licensed agents are trained to spot inefficiencies and give you someone to call. An additional benefit of comparing insurance prices online is that drivers can save money and get cheap insurance rates and still have an agent to talk to.

Insurance agents in Fort WayneTo find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to local insurance agents who want to provide quotes to get your business. You won't need to contact an agency since rate quotes are delivered to you. If you wish to get a rate quote from a specific insurance provider, you just need to search and find their rate quote page and give them your coverage information.

Finding the right insurer requires more thought than just a cheap price. These questions are important to ask:

Exclusive agents vs. Independent agents

If you need to find a reliable agent, there are two types of agencies and how they function. Insurance agencies can either be exclusive agents or independent agents. Either one can insure your vehicles properly, but it's worth mentioning the subtle differences because it may have an impact on buying decisions.

Exclusive Insurance Agencies

Agents of this type are contracted to one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.

Below is a short list of exclusive insurance agencies in Fort Wayne who may provide you with price quote information.


615 Goshen Ave - Fort Wayne, IN 46808 - (260) 482-9623 - View Map


6061 N Clinton St - Fort Wayne, IN 46825 - (260) 484-6199 - View Map

Kent Paul - State Farm Insurance Agent
1505 W Dupont Rd - Fort Wayne, IN 46825 - (260) 478-2222 - View Map

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Independent Agents

Independent insurance agents are not employed by any specific company and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won't have to switch agencies. When comparing rate quotes, we recommend you get some free quotes from a few independent agents to have the most options to choose from.

The following is a short list of independent insurance agencies in Fort Wayne willing to provide price quote information.


7113 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 969-5613 - View Map


1910 St Joe Center Rd - Fort Wayne, IN 46825 - (260) 480-0208 - View Map


4324 Flagstaff Cove - Fort Wayne, IN 46815 - (260) 702-0945 - View Map

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How much insurance do I need?

When quoting and comparing your policy, there isn't really a "best" method to buy coverage. Everyone's needs are different and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that could help you determine whether your personal situation could use an agent's help.

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

One last thing about your coverage

As you quote Fort Wayne auto insurance, don't be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice collision coverage only to regret that it was a big error on their part. The proper strategy is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

We just covered a lot of tips how to lower your Audi A5 insurance car insurance rates in Fort Wayne. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even find the best price on auto insurance is with a small local company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

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