How to Save on Tucson Audi Q5 Insurance

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Insurance for Audi Q5Regrettably, over 70% of consumers renewed their policy with the same company for more than four years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in the U.S. can cut their rates by up to $859 a year just by comparing rates, but they underestimate the large savings they would see if they changed companies.

If saving money is your primary concern, then the best way to get discount Audi Q5 insurance is to start comparing prices regularly from different companies who sell auto insurance in Tucson.

First, take a little time to learn about car insurance and the steps you can take to keep rates low. Many rating criteria that cause high rates like accidents, traffic tickets, and an imperfect credit score can be improved by making minor changes in your lifestyle.

Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.

Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in Tucson. If you can save money and make a switch, make sure there is no lapse in coverage.

Fourth, tell your current company of your intent to cancel your current policy and submit a completed policy application and payment for the new policy. As soon as you have the new policy, safely store the certificate verifying coverage along with your vehicle registration.

One piece of advice is to compare similar deductibles and liability limits on every quote request and and to get price estimates from all possible companies. This ensures a level playing field and a complete price analysis.

The companies shown below provide price comparisons in Tucson, AZ. To buy cheap car insurance in Arizona, we recommend you visit several of them to get the best price comparison.

Audi Q5 insurance analysis

The premium information shown below covers different insurance rates for Audi Q5 models. Being more informed about how rate quotes are calculated can help customers make informed decisions when shopping around for a new policy.

Audi Q5 Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $138 $326 $338 $20 $102 $924 $77
Q5 3.2 Premium Plus AWD $154 $326 $338 $20 $102 $940 $78
Q5 3.2 Premium Plus S-Line AWD $154 $326 $338 $20 $102 $940 $78
Q5 3.2 Prestige AWD $154 $370 $338 $20 $102 $984 $82
Q5 3.2 Prestige S-Line AWD $154 $370 $338 $20 $102 $984 $82
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in specific garaging location which can increase or decrease prices noticeably.

Deductible analysis

One frequently asked question is how high should the deductibles for physical damage be. The premium rates below summarize how much more rates are of buying low and high physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Audi Q5 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $292 $632 $300 $18 $90 $1,357 $113
Q5 3.2 Premium Plus AWD $324 $632 $300 $18 $90 $1,389 $116
Q5 3.2 Premium Plus S-Line AWD $324 $632 $300 $18 $90 $1,389 $116
Q5 3.2 Prestige AWD $324 $716 $300 $18 $90 $1,473 $123
Q5 3.2 Prestige S-Line AWD $324 $716 $300 $18 $90 $1,473 $123
Get Your Own Custom Quote Go
Audi Q5 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $162 $334 $300 $18 $90 $904 $75
Q5 3.2 Premium Plus AWD $180 $334 $300 $18 $90 $922 $77
Q5 3.2 Premium Plus S-Line AWD $180 $334 $300 $18 $90 $922 $77
Q5 3.2 Prestige AWD $180 $376 $300 $18 $90 $964 $80
Q5 3.2 Prestige S-Line AWD $180 $376 $300 $18 $90 $964 $80
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific zip code location which can increase or decrease coverage rates significantly.

Based on the above data, using a $100 deductible will cost in the ballpark of $40 more each month or $480 a year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 23 months between claims, you would probably save some money if you elect the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $118
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to note is that raising deductibles to save money means you will have to pay more out-of-pocket when you have a physical damage claim. You need some money saved in the event you have to pay the deductible for vehicle repair.

Don't overlook these Audi Q5 insurance discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Certain reductions will be credited at the time of purchase, but once in a while a discount must be requested specifically before they will apply.Save money with discounts

  • Pay Upfront and Save - By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Low Miles Discount - Low mileage vehicles may allow you to get lower premium rates due to less chance of an accident.
  • College Student - Children living away from Tucson attending college and don't have a car can be insured at a reduced rate.
  • Life Insurance Discount - Not all auto insurance companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
  • Save with a New Car - Buying a new car instead of a used Q5 can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Student Discount for Driver Training - Teen drivers should take driver's ed class in school.
  • Defensive Driver Discount - Participating in a course in safe driver may get you a small discount and make you a better driver.
  • Passenger Safety Discount - Vehicles with factory air bags could see savings of 25 to 30%.

Discounts save money, but please remember that most of the big mark downs will not be given to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way.

The diagram below compares Audi Q5 car insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, homeowner, and safe-driver discounts applied.

Larger auto insurance companies and their offered discounts are shown below.

  • AAA offers discounts for education and occupation, good student, anti-theft, AAA membership discount, and multi-policy.
  • Progressive offers premium reductions for online quote discount, online signing, good student, homeowner, continuous coverage, multi-vehicle, and multi-policy.
  • State Farm policyholders can earn discounts including defensive driving training, multiple policy, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
  • Esurance may include discounts for safety device, Switch & Save, good student, online shopper, and paid-in-full.
  • Nationwide offers discounts including accident-free, business or organization, defensive driving, family plan, and Farm Bureau membership.

When quoting, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. To see insurance companies who offer cheap Audi Q5 insurance quotes in Arizona, click here.

Three reasons auto insurance is important

Despite the potentially high cost of Audi Q5 insurance, paying for auto insurance may not be optional for several reasons.

  • The majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance in order to get the vehicle licensed. 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 your vehicle has a lienholder, most banks will force you to carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Audi at a much higher premium rate and make you pay the higher price.
  • Insurance safeguards not only your Audi but also your financial assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If your Audi gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance more than offset the price you pay, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $825 a year so you should quote rates once a year at a minimum to be sure current rates are still competitive.

Car insurance can get complicated

Always keep in mind that when comparing insurance from an agent or online, there isn't really a perfect coverage plan. Every insured's situation is different so your insurance needs to address that.Car insurance savings For example, these questions can help discover whether or not you would benefit from professional advice.

  • Do they offer discounts for home and auto coverage?
  • Am I covered if I break a side mirror?
  • What is an SR-22 filing?
  • Why am I required to buy liability insurance?
  • How much liability insurance is required?
  • If my Audi Q5 is totaled, can I afford another vehicle?

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Buying car insurance from Tucson insurance agents

Many drivers just want to sit down and talk to an agent. Experienced insurance agents can help you choose the best coverages and help submit paperwork. An additional benefit of comparing insurance prices online is you can get cheap rate quotes and still buy from a local agent.

Tucson insurance agentsAfter filling out this quick form, your insurance coverage information is submitted to local insurance agents that can provide free Tucson car insurance quotes for your coverage. There is no reason to drive around since rate quotes are delivered to you directly. If for some reason you want to compare prices from one company in particular, you just need to navigate to their website and fill out their quote form.

Deciding on an insurance company needs to be determined by more than just the quoted price. Any agent in Tucson should be willing to answer these questions.

  • Is their price quote a firm figure or are their hidden costs?
  • Is the agent and/or agency licensed to do business in Arizona?
  • Who are their largest clients?
  • Do they assist clients in filing claims?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • When do they do a full risk review?

When researching a reliable insurance agent, there are two types of agencies and how they can quote your rates. Insurance agencies in Tucson can either be independent agents or exclusive agents depending on their employer. Both types can handle car insurance, but it's worth mentioning how they are different since it could factor into the selection process.

Exclusive Car Insurance Agencies

Exclusive insurance agents can only place business with one company and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to compare other company's rates so keep that in mind. Exclusive agents are well trained on their products and sales techniques which can be an advantage.

The following are exclusive agents in Tucson that are able to give comparison quotes.

9136 E Valencia Rd #110 - Tucson, AZ 85747 - (520) 574-7777 - View Map

Rick McGee - State Farm Insurance Agent
7630 N la Cholla Blvd - Tucson, AZ 85741 - (520) 529-4676 - View Map

116 S Kolb Rd - Tucson, AZ 85710 - (520) 296-7181 - View Map

More Tucson agents

Independent Agents (or Brokers)

These agents do not sell for just one brand and that gives them the ability to insure with any number of different companies and find you the best rates. If they find a cheaper price, they simply move your policy to a different company and you won't have to switch agencies.

When shopping rates, it's a good idea to compare prices from independent agents to ensure the widest selection of prices.

Below is a short list of independent insurance agencies in Tucson that can give you price quote information.

5442 E 5th St - Tucson, AZ 85711 - (520) 747-3737 - View Map

Arizona Southern Insurance Agency
6544 E 22nd St - Tucson, AZ 85710 - (520) 747-3900 - View Map

6992 E Broadway Blvd - Tucson, AZ 85710 - (520) 571-1900 - View Map

More Tucson agents

After getting good answers to your questions and a low price estimate, you may have found a car insurance agent that can properly insure your vehicles.