Want to learn how to save money and find lower-priced Audi A5 insurance in Indianapolis? Are you irritated from not being able to scrape enough together to make your auto insurance payment? Your situation is no different than many other consumers in Indiana.

Discount Audi A5 insuranceA recent survey discovered that nearly 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Indianapolis drivers could cut their rates by almost 55% a year by just comparing rate quotes, but most tend to underestimate the amount of savings they would get if they changed companies.

You have so many insurers to insure vehicles with, and although it's nice to have a selection, it can be more difficult to get the best deal for Audi A5 insurance in Indianapolis.

It's a great practice to compare rates periodically because auto insurance rates go up and down regularly. Even if you got the lowest premium rates on Audi A5 insurance in Indianapolis a year ago you can probably find a lower rate today. You can find a lot of misleading information regarding A5 insurance out there, but in a few minutes you can learn some solid techniques on how to save money.

Finding the cheapest car insurance coverage in Indianapolis is not that difficult. Basically, everyone who needs lower cost car insurance will find a lower-cost company. Nevertheless, Indiana vehicle owners do need to know how big insurance companies set your policy premium because it can help you find the best coverage.

Get cheaper Audi A5 insurance in Indianapolis with discounts

Car insurance is not cheap, but you can get discounts that many people don't even know exist. Some discounts apply automatically at quote time, but some may not be applied and must be asked for in order for you to get them.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

A few of the larger companies and some of the discounts include:

Before buying, ask each company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in Indianapolis. If you would like to see a list of companies that offer many of these discounts in Indianapolis, click here.

The fastest way that we advise to compare policy rates for Audi A5 insurance in Indianapolis is to realize most of the bigger providers provide online access to provide you with a free rate quote. To get started, all you need to do is give them rating details such as driver ages, what you do for a living, your general credit rating, and distance driven. That rating data is submitted instantly to all major companies and you will get price comparisons instantly.

To start a rate quote now, click here and see if a lower rate is available in Indianapolis.

The companies shown below provide comparison quotes in Indianapolis, IN. If more than one company is shown, we recommend you visit two to three different companies to get the cheapest price.

Audi A5 Insurance Cost Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $170 $332 $224 $14 $68 $808 $67
A5 2.0T Quattro Premium Plus 2-Dr Coupe $346 $592 $312 $18 $94 $1,362 $114
A5 3.2 Quattro Prestige 2-Dr Coupe $144 $346 $250 $14 $76 $830 $69
A5 3.2 Quattro Premium Plus 2-Dr Coupe $268 $646 $288 $18 $86 $1,306 $109
A5 2.0T Quattro Prestige 2-Dr Coupe $144 $346 $270 $16 $80 $856 $71
A5 2.0T Premium 2-Dr Convertible $262 $690 $318 $18 $94 $1,382 $115
A5 2.0T Premium Plus 2-Dr Convertible $236 $570 $270 $16 $80 $1,172 $98
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $170 $324 $246 $14 $74 $828 $69
A5 2.0T Prestige S-Line 2-Dr Convertible $206 $434 $380 $22 $114 $1,156 $96
A5 2.0T Prestige 2-Dr Convertible $288 $634 $364 $22 $110 $1,418 $118
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $182 $452 $288 $18 $86 $1,026 $86
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can influence auto insurance rates noticeably.

Audi A5 full coverage rates compared to liability only

The example below visualizes the comparison of Audi A5 annual premium costs with full physical damage coverage and with liability coverage only. The data is based on no violations or claims, $100 deductibles, single male driver, and no discounts are applied.

Should you be buying full coverage?

There is no written rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Audi A5 replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $7,000 after the deductible is paid. If it's costing you more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some cases where buying only liability insurance is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

How accidents and tickets impact rates

The illustration below shows how violations and accidents can affect Audi A5 annual premium costs for different age groups. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.

Five Things That Influence Your Insurance Rates

A large part of saving on car insurance is knowing some of the things that go into determining your premiums. If you understand what determines premiums, this enables informed choices that will entitle you to better car insurance rates.

File insurance claims and pay more - Auto insurance companies in Indiana give better rates to policyholders who do not file claims often. If you're an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Lower rates for married couples - Getting married can actually save you money on your car insurance policy. Having a significant other translates into being more responsible and statistics prove married drivers tend to have fewer serious accidents.

How credit history affects car insurance costs - Credit score factor in determining what you pay. Insureds that have excellent credit tend to be more responsible than drivers who have worse credit. Therefore, if your credit leaves room for improvement, you could potentially save money when insuring your Audi A5 by taking the time to improve your credit score.

Save by driving less - Driving more miles annually the more you'll pay to insure it. Most insurance companies calculate prices partially by how you use the vehicle. Cars and trucks used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Verify your car insurance policy states the proper vehicle usage, because it can save money. An incorrectly rated A5 is just wasting money.

Insurance costs are higher for high performance vehicles - The performance of the car or truck you need to insure makes a substantial difference in how high your rates are. Because the Audi A5 falls in the luxury sports car class, insurance will be up to twice as much than the average rate where you live in Indianapolis. Lower cost passenger cars generally have the cheapest insurance rates, but your final cost has many other factors.

Loss statistics for an Audi A5 - Insurance companies include the past claim trends for vehicles to help set a rate to offset losses. Models that tend to have a trend towards higher claims will have higher rates.

The table below outlines the historical loss data for Audi A5 vehicles. For each type of coverage, the claim probability for all vehicles as a whole is equal to 100. Numbers below 100 indicate a favorable loss history, while percentages above 100 point to more losses or a tendency for claims to be larger.

Audi A5 Insurance Claim Statistics

Specific Audi 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

When should I have guidance from an agent?

Many drivers just want to go talk to an agent and often times that is recommended A good thing about getting free rate quotes online is the fact that you can find the best rates and still buy from a local agent.

Insurance agents in IndianapolisFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to local insurance agents who will give you quotes for your business. It simplifies rate comparisons since you won't have to even leave your home because quoted prices will be sent immediately to your email address. It's the lowest rates and a licensed agent to talk to. If for some reason you want to compare prices from a specific car insurance provider, you can always visit that company's website and submit a quote form there.

Finding a good provider requires more thought than just a low price. Here are some questions you should ask.

If you want to use a reputable agency, you should know the different types of agents and how they differ in how they can insure your vehicles. Agents can be categorized as either independent or exclusive.

Exclusive Car Insurance Agencies

Exclusive agents can usually just insure with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Indianapolis that can give you price quotes.

7035 E 96th St Suite S-2 - Indianapolis, IN 46250 - (317) 897-1900 - View Map

6124 N College Ave - Indianapolis, IN 46220 - (317) 255-2700 - View Map

4875 W 56th St g - Indianapolis, IN 46254 - (317) 803-2241 - View Map

More insurance agents

Independent Agents (or Brokers)

Independent agents are not locked into one company so as a result can place your coverage with any number of different companies and find you cheaper rates. If premiums increase, they can switch companies in-house and you don't have to switch agencies. If you are comparing rate quotes, we recommend you contact a few independent agents to have the most options to choose from.

Shown below are independent insurance agencies in Indianapolis willing to provide comparison quotes.

1433 N Meridian St - Indianapolis, IN 46202 - (317) 377-1100 - View Map

360 Gradle Dr - Carmel, IN 46032 - (317) 848-4400 - View Map

7364 E Washington St - Indianapolis, IN 46219 - (317) 353-8000 - View Map

More insurance agents

Choosing vehicle insurance is an important decision

Even though Indianapolis A5 insurance rates can get expensive, insurance serves a purpose in several ways.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $800 each year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

More effort can pay off

Throughout this article, we presented some good ideas how you can find cheap Audi A5 insurance in Indianapolis. The key thing to remember is the more providers you compare, the better chance you'll have of finding cheaper Indianapolis car insurance quotes. You may even be surprised to find that the lowest car insurance rates come from an unexpected company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

Cheap Audi A5 insurance in Indianapolis is available both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online rate quotes and most of the time these smaller companies work with independent insurance agents.

Even more information can be read at these sites: