How 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.
| 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.
| 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 | |||||||
| 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.
- Bundle policies with the same company – Many insurers will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare other company rates to help ensure you have the lowest rates. You may still find a better deal by splitting coverages up.
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Performance makes a difference – The make and model of the car you are insuring makes a huge difference in determining your rates. Smaller low performance passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
The chart below assumes a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Audi A5 rates compared to other models that have different performance rating factors.
- Urban areas may pay more – Residing in a rural area has definite advantages when it comes to car insurance. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Residents of big cities have to deal with traffic congestion and more time behind the wheel. More time commuting translates into higher accident risk.
- Don’t skimp on liability insurance – Liability coverage will provide protection when a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides you with a defense in court to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
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Insurance loss data for an Audi A5 – Insurers factor in insurance loss information as a tool for profitable underwriting. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will have higher rates.
The information below illustrates the historical loss data for Audi A5 vehicles. For each type of coverage, the claim amount for all vehicles compiled together equals 100. Numbers under 100 suggest a positive loss record, while values over 100 indicate a higher chance of having a claim or larger claims.
Auto Insurance Loss Data for Audi A5 Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
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.
- Accident Free – Insureds who avoid accidents and claims can save substantially when compared with drivers with a long claim history.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
- More Vehicles More Savings – Drivers who insure more than one vehicle with one company can get a discount for every vehicle.
- Low Mileage Discounts – Fewer annual miles on your Audi can earn lower auto insurance rates on the low mileage vehicles.
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.
- GEICO discounts include seat belt use, air bags, membership and employees, anti-theft, driver training, and emergency military deployment.
- Mercury Insurance has savings for good driver, age of vehicle, good student, accident-free, type of vehicle, and multi-car.
- Farmers Insurance offers premium reductions for electronic funds transfer, teen driver, pay in full, early shopping, and good student.
- Auto-Owners Insurance may have discounts that include student away at school, group or association, multiple vehicles, anti-theft, and paid in full.
- Liberty Mutual includes discounts for new vehicle discount, new graduate, new move discount, multi-car, newly retired, and exclusive group savings.
- SAFECO may offer discounts for anti-lock brakes, anti-theft, teen safe driver, bundle discounts, teen safety rewards, multi-car, and drive less.
- Progressive has discounts for multi-policy, online quote discount, continuous coverage, multi-vehicle, homeowner, and good student.
- USAA offers discounts including military installation, driver training, defensive driver, vehicle storage, safe driver, loyalty savings, and good student.
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.
To 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.
- Do they feel the quoted coverages are adequate?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can glass repairs be made at your home?
- Can they provide you with a list of referrals?
- How long has the business existed?
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.
- Allstate Insurance Agent: Powell-Watson Insurance Group
6301 Arena Blvd Ste A – Laredo, TX 78041 – (956) 764-4399 – View Map - Kike Trevino – State Farm Insurance
517 Shiloh Dr #4 – Laredo, TX 78045 – (956) 791-5453 – View Map - Kevin Romo – State Farm Insurance Agent
7917 McPherson Rd #208 – Laredo, TX 78045 – (956) 753-9337 – View Map
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.
- State Wide Auto Insurance Agency
Laredo, TX 78041 – Laredo, TX 78041 – (956) 791-0800 – View Map - Alphasure Affordable Insurance Services
1620 Chihuahua St – Laredo, TX 78043 – (956) 729-9500 – View Map - Cubriel Insurance LLC
1808 Commerce Dr – Laredo, TX 78041 – (956) 568-5290 – View Map
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.
For instance, these questions may help you determine whether your personal situation could use an agent’s help.
- What is roadside assistance coverage?
- Can I rate high risk drivers on liability-only vehicles?
- Does my medical payments coverage pay my health insurance deductible?
- When should I remove comp and collision on my Audi A5?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered by my spouse’s policy after a separation?
- Can I still get insurance after a DUI?
- Can I drive in Mexico and have coverage?
- Is my babysitter covered when using my vehicle?
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.
- 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.
- 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.
- 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:
- Collision Insurance Coverage (Nationwide)
- How Much is Auto Insurance for Drivers Over Age 50 in Laredo? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers Under 25 in Laredo? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Laredo? (FAQ)
- What is the Cheapest Car Insurance in Laredo, Texas? (FAQ)
- Who Has Cheap Laredo Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Cheap Auto Insurance for Homeowners in Laredo? (FAQ)
- How Much are Auto Insurance Rates for a Toyota RAV4 in Laredo? (FAQ)
- Who Has Cheap Laredo Auto Insurance for Uber Drivers? (FAQ)
- How Much are Car Insurance Quotes for Felons in Laredo? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)