If you want to find the absolute lowest rates, then the best way to find low-cost Audi A5 insurance is to regularly compare quotes from companies in Virginia Beach.
- First, take a little time to learn about how your policy works and the things you can change to keep rates in check. Many factors that are responsible for high rates such as tickets, at-fault accidents, and a low credit rating can be rectified by making lifestyle changes or driving safer. Continue reading for information to help reduce premium rates and get additional discounts that may be available.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide prices from many different companies. Get quotes now
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Virginia Beach. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.
One tip to remember is that you’ll want to compare similar coverage information on each quote and and to get prices from all possible companies. Doing this helps ensure a level playing field and maximum price selection.
It’s hard to fathom, but most car insurance customers have bought car insurance from the same company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. Consumers in Virginia could cut their rates by nearly $500 a year, but they underestimate the amount of money they would save if they swap their current policy for a cheaper one.
Choosing the most cost-effective car insurance policy in Virginia Beach is actually not that difficult if you follow our advice. Essentially every driver who buys car insurance will probably be able to save money. Although Virginia vehicle owners can benefit from knowing how the larger insurance companies price insurance differently and use this information to your advantage.
When comparison shopping, there are several ways to compare quotes from many available car insurance companies in Virginia. The quickest method to compare rates is to get quotes online.
When price shopping your coverage, comparing more quotes increases the chance that you will find more affordable insurance. Not every company allows you to get Virginia Beach A5 insurance quotes over the internet, so you need to compare rates on coverage from those companies, too.
The companies shown below provide quotes in Virginia. If you want cheap auto insurance in Virginia, we suggest you click on several of them in order to get a fair rate comparison.
Auto insurance analysis for an Audi A5
The rate table displayed next showcases estimates of insurance prices for Audi A5 models. Learning more about how car insurance prices are calculated is important to be able to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $254 | $500 | $226 | $14 | $68 | $1,062 | $89 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $254 | $500 | $226 | $14 | $68 | $1,062 | $89 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $254 | $564 | $226 | $14 | $68 | $1,126 | $94 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $254 | $564 | $226 | $14 | $68 | $1,126 | $94 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $254 | $564 | $226 | $14 | $68 | $1,126 | $94 |
| A5 2.0T Premium 2-Dr Convertible | $254 | $564 | $266 | $16 | $80 | $1,180 | $98 |
| A5 2.0T Premium Plus 2-Dr Convertible | $254 | $564 | $266 | $16 | $80 | $1,180 | $98 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $280 | $564 | $226 | $14 | $68 | $1,152 | $96 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $280 | $564 | $266 | $16 | $80 | $1,206 | $101 |
| A5 2.0T Prestige 2-Dr Convertible | $280 | $564 | $266 | $16 | $80 | $1,206 | $101 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $280 | $630 | $226 | $14 | $68 | $1,218 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can increase or decrease rates greatly.
Deductible analysis
One common question asked by Virginia Beach drivers is where to set your physical damage deductibles. The premium rates below highlight the cost difference of buying low and high physical damage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $250 | $454 | $218 | $12 | $66 | $1,025 | $85 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $250 | $454 | $218 | $12 | $66 | $1,025 | $85 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $250 | $514 | $218 | $12 | $66 | $1,085 | $90 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $250 | $514 | $218 | $12 | $66 | $1,085 | $90 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $250 | $514 | $218 | $12 | $66 | $1,085 | $90 |
| A5 2.0T Premium 2-Dr Convertible | $250 | $514 | $258 | $16 | $78 | $1,141 | $95 |
| A5 2.0T Premium Plus 2-Dr Convertible | $250 | $514 | $258 | $16 | $78 | $1,141 | $95 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $276 | $514 | $218 | $12 | $66 | $1,111 | $93 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $276 | $514 | $258 | $16 | $78 | $1,167 | $97 |
| A5 2.0T Prestige 2-Dr Convertible | $276 | $514 | $258 | $16 | $78 | $1,167 | $97 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $276 | $574 | $218 | $12 | $66 | $1,171 | $98 |
| 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 | $154 | $286 | $218 | $12 | $66 | $736 | $61 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $154 | $286 | $218 | $12 | $66 | $736 | $61 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $154 | $324 | $218 | $12 | $66 | $774 | $65 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $154 | $324 | $218 | $12 | $66 | $774 | $65 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $154 | $324 | $218 | $12 | $66 | $774 | $65 |
| A5 2.0T Premium 2-Dr Convertible | $154 | $324 | $258 | $16 | $78 | $830 | $69 |
| A5 2.0T Premium Plus 2-Dr Convertible | $154 | $324 | $258 | $16 | $78 | $830 | $69 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $170 | $324 | $218 | $12 | $66 | $790 | $66 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| A5 2.0T Prestige 2-Dr Convertible | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $170 | $362 | $218 | $12 | $66 | $828 | $69 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can influence insurance rates noticeably.
Based on the figures above, using a $250 deductible costs approximately $25 more each month or $300 a year than choosing the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 30 months between claim filings, you would come out ahead if you elect the higher deductible. Here’s an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $92 |
| Average monthly premium for $1,000 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
One thing to note is that higher deductibles results in more money out-of-pocket if you have a claim. You need some extra funds in the event you have to pay the higher deductible.
The information below shows how choosing a deductible and can affect Audi A5 insurance rates for each different age category. The costs are based on a single female driver, full coverage, and no discounts are factored in.
Why auto insurance is not optional
Despite the high cost, paying for auto insurance may be required and benefits you in several ways.
- Most states have mandatory liability insurance requirements which means state laws require a specific level of liability protection in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you bought your Audi A5 with a loan, almost all lenders will make it a condition of the loan that you buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Audi at a much higher rate and force you to pay the higher price.
- Insurance safeguards both your Audi A5 and your assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your Audi gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance more than offset the price you pay, especially with large liability claims. Today the average American driver overpays as much as $810 a year so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.
Smart Consumers Can Slash Their Insurance Premiums
Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but other criteria are less apparent like your continuous coverage and annual miles driven.
The factors shown below are some of the things that factor into prices.
Teen vs. older drivers – Mature drivers are more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates.
The following data is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Liability insurance limits are a factor – The liability coverage on your policy kicks in if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not cut corners here.
Insurance costs and vehicle performance – The type of car you are trying to find cheaper insurance for makes a big difference in the rate you pay. The lowest rates are for small economy passenger cars, but your final cost has many other factors.
The following chart uses these assumptions: married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Audi A5 car insurance rates compared to other makes and models that have different performance risks.
How’s your driving record? – Drivers with clean records get better prices than their less careful counterparts. Getting just one driving citation can bump up the cost by as much as thirty percent. People who have careless violations like DUI or willful reckless driving may need to file a SR-22 with their state in order to continue driving.
The chart below highlights how traffic violations and at-fault collisions can affect Audi A5 insurance costs for different age groups. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Drivers with high credit save on auto insurance – Your credit score can be an important factor in determining what you pay for auto insurance. Insureds that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit rating is low, you could save money insuring your Audi A5 by improving your credit score.
Annual miles is a factor – The more you drive in a year’s time the higher the price you pay to insure it. The majority of insurers charge to insure your cars based on their usage. Cars that sit idle most of the time can be on a lower rate level than cars that get driven a lot. Double check that your auto insurance policy reflects the right rating data, because it can save money. A policy that improperly rates your A5 may be costing you higher rates.
Consolidate and save – Most larger auto insurance companies will award better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, drivers will still want to get quotes from other companies to confirm you are receiving the best rates possible.
Audi A5 statistical loss data – Car insurance companies factor in insurance loss information when they set coverage costs for each model. Vehicles that have higher prevalence or dollar amount of losses will have increased rates. The table below shows the loss history for Audi A5 vehicles.
For each coverage category, the claim probability for all vehicles, without regard to make or model, is equal to 100. Numbers under 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
| Vehicle Make and 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 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Check for these money saving discounts
Auto insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. A few discounts will automatically apply at quote time, but occasionally some discounts must be manually applied before you will receive the discount.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 25 to 30%.
- Anti-lock Brake System – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
- Payment Discounts – By making one initial payment instead of paying each month you may have a lower total premium amount.
- Low Mileage Discounts – Low mileage vehicles could earn discounted rates on garaged vehicles.
- Own a Home – Owning a house in Virginia Beach can save you money because of the fact that having a home is proof of financial responsibility.
- Accident Waiver – This one is not really a discount per se, but some companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a set time period.
- Good Driver Discounts – Safe drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
Remember that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The information below shows the difference between Audi A5 auto insurance rates with and without policy discounts. The premium estimates are based on a male driver, no claims or violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, marriage, and safe-driver discounts applied.
Companies that may include most of these discounts possibly include:
Before you buy a policy, ask all companies you are considering how you can save money. Some discounts might not apply in Virginia Beach. To view companies that provide some of the discounts listed above in Virginia Beach, follow this link.
Buying from insurance agencies
Certain consumers would prefer to get professional advice from a licensed agent and that can be a smart move An additional benefit of comparing rates online is you may find lower rates and also buy local.
To make it easy to find an agent, after completing this simple form, your coverage information is immediately sent to local insurance agents who can give free rate quotes for your coverage. There is no reason to contact an agency due to the fact that quote results will go to you directly. You can get cheaper car insurance rates and an insurance agent to talk to. If for some reason you want to get a rate quote from one company in particular, feel free to go to their quote page and complete a quote there.
Picking an insurer requires more thought than just the price. The following questions are important to ask.
- Do they offer accident forgiveness?
- How long has their agency been in business in Virginia Beach?
- Are aftermarket or OEM parts used to repair vehicles?
- What is the agency’s Better Business Bureau rating?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the quote a firm price?
- Do they specialize in personal lines coverage in Virginia Beach?
When researching a local insurance agency, it’s important to understand the different types of agents and how they differ in how they quote coverages. Virginia Beach agents can be classified as either exclusive or independent (non-exclusive).
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually well trained on sales techniques which helps offset the inability to provide other markets. Many people buy from exclusive agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Shown below are Virginia Beach exclusive insurance agencies willing to provide rate quotes.
- Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300 – View Map - Al Taxter – State Farm Insurance Agent
6070 Indian River Rd #104 – Virginia Beach, VA 23464 – (757) 420-2575 – View Map - Brett Pendergast – State Farm Insurance Agent
4388 Holland Road Ste. 110 – Virginia Beach, VA 23452 – (757) 499-6813 – View Map
Independent Insurance Agents
These type of agents are not restricted to one company and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. If they find a lower price, they can switch companies in-house and you stay with the same agent. When comparing car insurance prices, you will definitely want to include a few independent agents for maximum quote selection. A lot of them also have access to smaller companies which could offer lower prices.
Listed below are Virginia Beach independent agents willing to provide price quotes.
- Choice Insurance Agency
4664 South Blvd – Virginia Beach, VA 23452 – (757) 416-5100 – View Map - Hampton Roads Insurance
633-D Independence Blvd – Virginia Beach, VA 23462 – (757) 285-4754 – View Map - Nationwide Insurance: Avery Insurance Agency Inc
5268 Fairfield Shopping Centre – Virginia Beach, VA 23464 – (757) 366-0366 – View Map
Virginia car insurance companies ranked
Buying coverage from the highest-rated company is hard considering how many choices there are in Virginia. The company rank data displayed below may help you choose which car insurance companies you want to consider shopping your coverage with.
Top 10 Virginia Beach 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 Virginia Beach Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
Quote more and you will save more
Throughout this article, we presented quite a bit of information on how to compare Audi A5 insurance prices in Virginia Beach. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost Virginia Beach car insurance quotes. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
Some car insurance companies may not have online price quotes and these small, regional companies only sell through independent insurance agents. Cheaper car insurance in Virginia Beach is possible from both online companies as well as from independent agents in Virginia Beach, so you need to compare both so you have a total pricing picture.
Additional car insurance information is located at the links below
- Booster Seat Ratings (iihs.org)
- How Much are Auto Insurance Quotes for a Nissan Versa in Virginia Beach? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in Virginia Beach? (FAQ)
- Who Has Affordable Virginia Beach Auto Insurance for Single Moms? (FAQ)
- Who Has Cheap Virginia Beach Auto Insurance Rates for a Honda CR-V? (FAQ)
- How Much is Auto Insurance for College Students in Virginia Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Inexperienced Drivers in Virginia Beach? (FAQ)
- Frontal Crash Tests (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)