Nobody that owns a car looks forward to paying premiums for car insurance, especially when their premiums are too high.
Astonishing but true according to a recent study, the vast majority of consumers kept their coverage with the same car insurance company for well over three years, and almost 40% of drivers have never compared car insurance rates at all. American insurance shoppers can cut their rates by up to $859 a year by just shopping around, but they don't know how much savings they would realize if they switched to a more affordable policy.
There is such a variety of insurers to insure vehicles with, and although it's nice to have a choice, it can be more challenging to compare rates for Audi A5 insurance in Evansville.
The purpose of this article is to help you learn the best methods to compare rates and some tricks to saving. If you are already insured, you will most likely be able to find better prices using the ideas presented in this article. But Indiana car owners must understand the methods companies use to calculate your insurance rates and use it to find better rates.
When quoting auto insurance, remember that comparing more prices will increase your chances of finding a lower rate than you're paying now. Some companies don't provide price estimates online, so you need to compare price estimates from them as well.
The following companies are our best choices to provide free rate quotes in Evansville, IN. If multiple providers are shown, it's a good idea that you visit several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A5 2.0T Quattro Premium 2-Dr Coupe||$298||$680||$288||$18||$86||$1,370||$114|
|A5 2.0T Quattro Premium Plus 2-Dr Coupe||$264||$486||$244||$14||$72||$1,080||$90|
|A5 3.2 Quattro Prestige 2-Dr Coupe||$248||$516||$246||$14||$74||$1,098||$92|
|A5 3.2 Quattro Premium Plus 2-Dr Coupe||$262||$656||$270||$16||$80||$1,284||$107|
|A5 2.0T Quattro Prestige 2-Dr Coupe||$276||$616||$246||$14||$74||$1,226||$102|
|A5 2.0T Premium 2-Dr Convertible||$212||$476||$270||$16||$80||$1,054||$88|
|A5 2.0T Premium Plus 2-Dr Convertible||$234||$578||$318||$18||$94||$1,242||$104|
|A5 2.0T Quattro Prestige S-Line 2-Dr Coupe||$210||$466||$270||$16||$80||$1,042||$87|
|A5 2.0T Prestige S-Line 2-Dr Convertible||$240||$520||$340||$20||$102||$1,222||$102|
|A5 2.0T Prestige 2-Dr Convertible||$188||$376||$264||$16||$80||$924||$77|
|A5 3.2 Quattro Prestige S-Line 2-Dr Coupe||$210||$520||$270||$16||$80||$1,096||$91|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can revise prices substantially.
How careless driving impacts car insurance rates
The information below illustrates how traffic citations and at-fault fender-benders can affect Audi A5 insurance premiums for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The example below shows how choosing a deductible and can influence Audi A5 insurance rates for each age group. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Car insurance premiums based on gender
The diagram below illustrates the comparison of Audi A5 insurance premiums for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Cheaper Evansville car insurance quotes with discounts
Auto insurance companies don't necessarily list the complete list of policy discounts very clearly, so we break down both the well known as well as some of the hidden savings tricks you should be using when you buy Evansville car insurance online.
- Accident Forgiveness Coverage - Not necessarily a discount, but companies like Progressive, State Farm and GEICO will allow you to have one accident without the usual rate increase so long as you haven't had any claims for a set time period.
- Distant Student Discount - Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
- Sign Early and Save - Some insurance companies provide a discount for signing up early. This discount can save up to 10%.
- Passive Restraints and Air Bags - Factory options such as air bags may qualify for discounts of up to 25% or more.
- Military Discounts - Being deployed with a military unit can result in better car insurance rates.
- Fewer Miles Equal More Savings - Fewer annual miles on your Audi can qualify you for slightly better prices than normal.
- Driver's Ed - Cut your cost by having your teen driver complete a driver education course if offered at their school.
- Life Insurance - Select companies reward you with a break if you buy a life policy as well.
- Payment Method - If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
While discounts sound great, it's important to understand that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride.
To locate insurers that offer discounts in Evansville, follow this link.
Car insurance quotes from local Evansville insurance agents
Some consumers would prefer to talk to a local agent and often times that is recommended One of the best bonuses of comparing car insurance online is that you can obtain cheap car insurance quotes and still buy from a local agent. Buying from and supporting local agencies is important especially in Evansville.
After completing this form (opens in new window), your coverage information is transmitted to companies in Evansville that can give you free Evansville car insurance quotes for your business. You won't even need to find an agent on your own as quotes are delivered to your email. You'll get the best rates AND an agent nearby. If you wish to get a rate quote from a specific insurance company, you just need to visit that company's website and fill out their quote form.
If you need to find a reputable agency, you need to know there are two different types of agencies and how they are slightly different. Agents can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don't have to find a new agent. If you are trying to find cheaper rates, you will definitely want to get several quotes from several independent insurance agents in order to compare the most rates.
Below is a small list of independent insurance agencies in Evansville that can possibly get you competitive price quotes.
Lancaster Insurance Agency
658 S Green River Rd - Evansville, IN 47715 - (812) 477-8883 - View Map
ET Shield Insurance Agency
4405 Theater Dr - Evansville, IN 47715 - (812) 469-9907 - View Map
Agents that choose to be exclusive have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their products and sales techniques which aids in selling service over price.
Below is a short list of exclusive agents in Evansville who can help you get rate quotes.
Randy Robertson - State Farm Insurance Agent
1520 Bellemeade Ave - Evansville, IN 47714 - (812) 479-1881 - View Map
Selecting an car insurance agent should include more criteria than just the quoted price. The questions below may impact your decision as well.
- Who is covered by the car insurance policy?
- Can they help ensure a fair claim settlement?
- How are they compensated?
- Which companies do they recommend if they are an independent agency?
- Do they write coverage based solely on cost?
- Can you contact them at any time?
- What is the financial rating for the quoted company?
- Do they see any coverage gaps in your plan?
Car insurance ads are enticing
Respected companies like Allstate and Progressive continually stream television, radio, and online ads. All the companies advertise claims about how much you will save just by switching your coverage. How is it possible that every company can cost less than your current company? Here is how they do it.
Different companies quote the lowest rates for the type of insured that will generate a profit. One example of a profitable insured might be between 25 and 40, owns a home, and has excellent credit. A propective insured that matches those criteria will get low auto insurance rates and as a result will probably save a lot of money.
Potential insureds who fall short of these standards will be quoted a more expensive rate which leads to the prospect going elsewhere. If you pay attention, the ads say "people who switch" not "everyone that quotes" will save that much if they switch. That is how companies can lure you into getting a quote.
Because of these techniques, it's extremely important to compare free Evansville car insurance quotes often. It's impossible to know which company will have the lowest Audi A5 insurance in Evansville.
Specifics of your car insurance policy
Learning about specific coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.
Collision coverages - Collision insurance covers damage to your A5 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as hitting a mailbox, rolling your car, driving through your garage door, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to raise the deductible on your A5 to get cheaper collision coverage.
UM/UIM Coverage - This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants and also any damage incurred to your Audi A5.
Because many people only carry the minimum required liability limits (25/50/10), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy's liability coverage.
Medical costs insurance - Medical payments and Personal Injury Protection insurance reimburse you for bills such as prosthetic devices, hospital visits, EMT expenses, pain medications and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from flooding, fire damage, damage from getting keyed and hitting a bird. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Liability car insurance - Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/10 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as funeral expenses, pain and suffering, repair bills for other people's vehicles, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible. Indiana requires minimum liability limits of 25/50/10 but you should consider buying more coverage.
Cheaper auto insurance is a realistic goal
You just learned many ways to find affordable Audi A5 insurance in Evansville. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies can often provide lower prices in certain areas than their larger competitors like Progressive or GEICO.
Cheaper auto insurance in Evansville is definitely available on the web and from local insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies may not provide online price quotes and many times these regional carriers only sell coverage through local independent agents.
For more information, feel free to visit the resources below:
- Liability Insurance Coverage (Nationwide)
- Who Has the Cheapest Indiana Car Insurance Rates for 18 Year Olds? (FAQ)
- What is the Best Auto Insurance in Fishers, IN? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Nissan Sentra in Indiana? (FAQ)
- Who Has Affordable Auto Insurance for Inexperienced Drivers in Indiana? (FAQ)
- What is the Best Auto Insurance in Muncie, IN? (FAQ)
- How Much is Auto Insurance for a Nissan Rogue in Indiana? (FAQ)
- What is the Best Cheap Car Insurance in Fort Wayne, IN? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for Low Mileage Drivers? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- Event Data Recorders FAQ (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)