Best Ways to Save on Laredo Audi A5 Insurance

Insurance rates Audi A5 in LaredoHow long has it been since you sat down and looked for more affordable car insurance rates in Laredo, TX? Laredo buyers have options when searching for affordable Audi A5 insurance. They can either waste time contacting agents getting price quotes or leverage the internet to compare rates. There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to price shop coverage on a Audi and get the best price possible from both online companies and Laredo agents.

Finding the cheapest car insurance coverage in Laredo is actually very simple if you learn how to start. If you have car insurance now, you will surely be able to get lower rates using the tips covered below. Drivers just have to know the most effective way to compare company rates on the web.

Best companies for affordable Audi A5 insurance in Texas

The following companies offer price quotes in Laredo, TX. To find cheaper auto insurance in Texas, we recommend you visit several of them in order to get a fair rate comparison.

Statistics and details

The premium table shown below highlights estimates of rate quotes for Audi A5 models. Learning a little about how insurance quotes are formulated can help drivers make informed decisions when shopping around for a new policy.


Audi A5 Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $208 $390 $334 $20 $100 $1,052 $88
A5 2.0T Quattro Premium Plus 2-Dr Coupe $208 $390 $334 $20 $100 $1,052 $88
A5 3.2 Quattro Prestige 2-Dr Coupe $208 $440 $334 $20 $100 $1,102 $92
A5 3.2 Quattro Premium Plus 2-Dr Coupe $208 $440 $334 $20 $100 $1,102 $92
A5 2.0T Quattro Prestige 2-Dr Coupe $208 $440 $334 $20 $100 $1,102 $92
A5 2.0T Premium 2-Dr Convertible $208 $440 $392 $24 $118 $1,182 $99
A5 2.0T Premium Plus 2-Dr Convertible $208 $440 $392 $24 $118 $1,182 $99
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $230 $440 $334 $20 $100 $1,124 $94
A5 2.0T Prestige S-Line 2-Dr Convertible $230 $440 $392 $24 $118 $1,204 $100
A5 2.0T Prestige 2-Dr Convertible $230 $440 $392 $24 $118 $1,204 $100
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $230 $492 $334 $20 $100 $1,176 $98
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific zip code location which can change prices noticeably.

Higher deductibles lower rates

The hardest decision when buying coverage is which deductible level should you buy. The rates shown below help summarize the premium difference when you choose different physical damage coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.


Audi A5 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $412 $804 $324 $20 $96 $1,681 $140
A5 2.0T Quattro Premium Plus 2-Dr Coupe $412 $804 $324 $20 $96 $1,681 $140
A5 3.2 Quattro Prestige 2-Dr Coupe $412 $908 $324 $20 $96 $1,785 $149
A5 3.2 Quattro Premium Plus 2-Dr Coupe $412 $908 $324 $20 $96 $1,785 $149
A5 2.0T Quattro Prestige 2-Dr Coupe $412 $908 $324 $20 $96 $1,785 $149
A5 2.0T Premium 2-Dr Convertible $412 $908 $382 $22 $114 $1,863 $155
A5 2.0T Premium Plus 2-Dr Convertible $412 $908 $382 $22 $114 $1,863 $155
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $454 $908 $324 $20 $96 $1,827 $152
A5 2.0T Prestige S-Line 2-Dr Convertible $454 $908 $382 $22 $114 $1,905 $159
A5 2.0T Prestige 2-Dr Convertible $454 $908 $382 $22 $114 $1,905 $159
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $454 $1014 $324 $20 $96 $1,933 $161
Get Your Own Custom Quote Go

Audi A5 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $228 $424 $324 $20 $96 $1,092 $91
A5 2.0T Quattro Premium Plus 2-Dr Coupe $228 $424 $324 $20 $96 $1,092 $91
A5 3.2 Quattro Prestige 2-Dr Coupe $228 $478 $324 $20 $96 $1,146 $96
A5 3.2 Quattro Premium Plus 2-Dr Coupe $228 $478 $324 $20 $96 $1,146 $96
A5 2.0T Quattro Prestige 2-Dr Coupe $228 $478 $324 $20 $96 $1,146 $96
A5 2.0T Premium 2-Dr Convertible $228 $478 $382 $22 $114 $1,224 $102
A5 2.0T Premium Plus 2-Dr Convertible $228 $478 $382 $22 $114 $1,224 $102
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $252 $478 $324 $20 $96 $1,170 $98
A5 2.0T Prestige S-Line 2-Dr Convertible $252 $478 $382 $22 $114 $1,248 $104
A5 2.0T Prestige 2-Dr Convertible $252 $478 $382 $22 $114 $1,248 $104
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $252 $534 $324 $20 $96 $1,226 $102
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can impact auto insurance rates significantly.

Based on these figures, using a $100 deductible costs about $54 more each month or $648 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 17 months between claims, you would come out ahead if you decide on a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $152
Average monthly premium for $1,000 deductibles (subtract): – $98
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Drive safe and save

The chart below demonstrates how traffic citations and accident claims can influence Audi A5 insurance costs for each different age group. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

How Insurance Providers Calculate Audi A5 Insurance Rates

Lots of things are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are not as apparent such as your marital status or how financially stable you are. It’s important that you understand some of the elements that come into play when calculating your policy premiums. If you understand what impacts premium levels, this enables you to make decisions that can help you get big savings.

The items below are some of the major factors companies use to determine your rate level.

Laredo auto insurance discounts

Some providers don’t always list the complete list of policy discounts very clearly, so the list below gives a summary of a few of the more common and also the lesser-known credits that may apply to you.Cheaper auto insurance with discounts

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, you won’t be that lucky. But any discount will bring down the amount you pay for coverage.

The illustration below compares Audi A5 insurance rates with and without discounts applied. The prices are based on a male driver, no accidents, no driving violations, Texas 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, homeowner, safe-driver, claim-free, and marriage discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

It’s a good idea to ask each insurance company which credits you are entitled to. Discounts may not be offered in every state. To see a list of providers who offer cheap Audi A5 insurance quotes in Laredo, click here.

Are auto insurance agents a thing of the past?

Certain consumers just want to buy from a licensed agent and often times that is recommended Insurance agents can answer important questions and help you file claims. The best thing about comparing insurance prices online is the fact that you can find cheap car insurance rates and still buy from a local agent.

Laredo insurance agentsTo find an agent, once you fill out this simple form, the quote information gets sent to agents in your area who will return price quotes for your coverage. You don’t have to even leave your home since price quotes are sent immediately to you. In the event you want to get a comparison quote from a specific car insurance provider, you would need to find their quoting web page and fill out their quote form.

Deciding on an provider shouldn’t rely on just the premium amount. Any agent in Laredo should be willing to answer these questions.

If you’re trying to find a reputable insurance agent or broker, there are a couple of different agency structures and how they can quote your rates. Car insurance agencies are considered either exclusive agents or independent agents. Either one can sell car insurance policies, but it is important to understand how they are different since it could factor into the selection process.

Exclusive Insurance Agents

Exclusive agencies work for only one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are well schooled on the products they sell and that enables them to sell even at higher rates. Many people buy from the same agent for years partially due to the prominent brand name instead of buying on price only.

Shown below are exclusive insurance agencies in Laredo who can help you get price quotes.

View more Laredo agents

Independent Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies and that enables them to quote your coverage with lots of companies and find the cheapest car insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company which is easy for the insured. If you need lower rates, you will want to include rate quotes from at least one independent agent in order to have the best price comparison. Many independent agencies also insure through smaller regional carriers which may have better rates.

Below is a short list of independent insurance agencies in Laredo who can help you get price quote information.

View more Laredo agents

Your situation helps dictate your coverage

When choosing coverage online or from an agent for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.Car insurance savings

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Affordable auto insurance rates are possible

Drivers leave their current company for a number of reasons such as delays in paying claims, policy cancellation, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

When getting Laredo auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Affordable Audi A5 insurance in Laredo is possible on the web and also from your neighborhood Laredo agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and these smaller providers only sell through independent insurance agencies.

How to find cheaper Audi A5 insurance in Laredo

If saving the most money is your goal, then the best way to get discount auto insurance rates in Laredo is to start comparing prices yearly from insurers that insure vehicles in Texas.

  1. Take a few minutes and learn about coverages and the steps you can take to prevent rate increases. Many rating criteria that cause rate increases such as at-fault accidents, careless driving, and a less-than-favorable credit rating can be amended by making minor changes to your lifestyle.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can provide prices from many different companies.
  3. Compare the quotes to the premium of your current policy to see if cheaper A5 coverage is available in Laredo. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of this process is that you use similar limits and deductibles on each quote and and to get price quotes from every company you can. This ensures the most accurate price comparison and the best price selection.

More detailed auto insurance information is available at these sites: