It’s an obvious assumption that insurance companies don’t want customers comparing rates. Insureds who shop around annually are inclined to switch insurance companies because the odds are good of finding a more affordable policy. Surprisingly, a recent survey revealed that drivers who shopped around annually saved as much as $850 each year compared to policyholders who never shopped around.
If finding low prices for auto insurance is your ultimate objective, then knowing how to find companies and compare insurance premiums can help you succeed in finding affordable rates.
If your goal is the lowest price, then the best way to save on Audi Q5 insurance is to make a habit of comparing prices annually from providers in Orlando. You can compare rates by completing these steps.
First, try to learn about car insurance and the things you can change to drop your rates. Many policy risk factors that are responsible for high rates like at-fault accidents, careless driving, and an imperfect credit history can be amended by improving your driving habits or financial responsibility. Later in this article we will cover information to help keep rates affordable and find additional discounts.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple insurance companies.
Third, compare the quotes to your existing policy and determine if cheaper Q5 coverage is available. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to the new company. When you receive it, keep the new proof of insurance certificate somewhere easily accessible.
An important bit of advice to remember is to make sure you enter the same liability limits and deductibles on each quote and and to get price quotes from as many companies as feasibly possible. This provides a fair rate comparison and a complete price analysis.
If you are already insured or just want to save money, follow these tips to buy cheaper car insurance and still have adequate protection. Our goal is to teach you the best ways to compare prices. Smart shoppers just need to understand the least time-consuming way to compare different rates online from multiple companies.
The quickest way to compare insurance rates in your area is to understand almost all companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is take a few minutes to give details like if you require a SR-22, your general credit rating, if the car is leased, and if you have an active license. Your information is submitted instantly to multiple different insurance companies and you will get price comparisons almost instantly.
If you would like to start a quote now, click here and see if a lower rate is available in Orlando.
The providers in the list below can provide free quotes in Florida. If you want the best cheap car insurance in Florida, we recommend you visit two to three different companies in order to find the most competitive rates.
Audi Q5 insurance statistics and information
The coverage table shown next covers estimates of insurance rates for Audi Q5 models. Understanding more about how premiums are formulated can help drivers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $230 | $506 | $400 | $24 | $120 | $1,280 | $107 |
| Q5 3.2 Premium Plus AWD | $256 | $506 | $400 | $24 | $120 | $1,306 | $109 |
| Q5 3.2 Premium Plus S-Line AWD | $256 | $506 | $400 | $24 | $120 | $1,306 | $109 |
| Q5 3.2 Prestige AWD | $256 | $572 | $400 | $24 | $120 | $1,372 | $114 |
| Q5 3.2 Prestige S-Line AWD | $256 | $572 | $400 | $24 | $120 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific garaging location which can lower or raise rates noticeably.
The information below shows how different deductible levels and can increase or decrease Audi Q5 insurance costs for different age categories. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Illustration showing the impact of accidents and violations
The chart below demonstrates how citations and at-fault fender-benders drive up Audi Q5 car insurance costs for different age groups of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Price comparison of only insuring for liability
The illustration below shows the difference between Audi Q5 auto insurance costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
Should you be buying full coverage?
There isn’t a written rule to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Audi Q5 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your deductible. If you are paying more than $500 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Tailor your auto insurance coverage to you
Always remember that when buying the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.
For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Do I need replacement cost coverage on my Audi Q5?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I need special endorsements for business use of my vehicle?
- When should I remove comp and collision on my Audi Q5?
- When should my teen driver be added to my policy?
- Does my Audi Q5 need full coverage?
- Does my car insurance cover rental cars?
- Am I insured when driving a different vehicle?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Why do I only qualify for high-risk insurance?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Get rate quotes but buy from a local Orlando insurance agency
Many drivers would prefer to go talk to an agent and we recommend doing that Most agents are highly skilled in risk management and help file insurance claims. A nice benefit of comparing rates online is that you can obtain lower rates and still choose a local agent.
Upon completion of this form (opens in new window), your coverage information is submitted to companies in Orlando who will return price quotes for your coverage. You won’t need to contact any agents because quoted prices will be sent to you. If for some reason you want to compare rates from a specific company, just navigate to their website to submit a rate quote request.
Choosing a insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- Does the agency provide any after hours assistance?
- Which company do they place the most coverage with?
- Are there any extra charges for paying monthly?
- Do they see any coverage gaps in your plan?
- If you have an accident, will your rates go up?
If you want a good Orlando insurance agent, you must know there are a couple different agency structures and how they are slightly different. Car insurance policy providers can be categorized as either exclusive or independent. Both types can do a good job, but it’s a good idea to understand how they are different because it may have an impact on your selection of an agent.
Exclusive Insurance Agencies
These agents can only place business with one company and examples are Farmers Insurance and State Farm. They usually cannot shop your coverage around so keep that in mind. Exclusive agencies receive extensive training on their products and sales techniques which can be an advantage. Some people will only buy from the same agent for years mainly due to high brand loyalty rather than low price.
The following are Orlando exclusive agencies who may provide you with price quotes.
- Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map - Terri Marshall – State Farm Insurance Agent
5555 E Michigan St #104 – Orlando, FL 32822 – (407) 380-5689 – View Map - Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170 – View Map
Independent Agents
Independent insurance agents are not employed by any specific company and that allows them to write policies through many different car insurance companies and find you cheaper rates. If they find a lower price, your agent can just switch to a different company and you won’t have to switch agencies.
If you are comparing rate quotes, you should always get quotes from a couple of independent agencies to ensure the widest selection of prices. Many write coverage with mutual insurance companies which could offer lower prices.
Below is a list of independent agents in Orlando that are able to give comparison quotes.
- worldwide insurance agency
4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map - Risk Transfer Insurance Agency
219 E Livingston St – Orlando, FL 32801 – (407) 481-9363 – View Map - WEGO Insurance Agency, Inc
520 N Semoran Blvd #270 – Orlando, FL 32807 – (407) 476-7972 – View Map
Which car insurance company is best in Florida?
Selecting the right insurer can be a challenge considering how many different insurance companies sell coverage in Orlando. The ranking information listed below can help you decide which coverage providers to look at when comparing rate quotes.
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Orlando Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance