It takes a few minutes, but the best way to find low-cost Audi A5 insurance in Tampa is to do an annual price comparison from providers that sell auto insurance in Florida.
- Get an understanding of how insurance companies determine prices and the things you can control to prevent rate increases. Many factors that increase rates such as accidents, traffic violations, and a poor credit score can be controlled by being financially responsible and driving safely.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Compare the price quotes to the price on your current policy and see if you can save money. If you find a better price and change companies, verify that coverage does not lapse between policies.
The most important part of shopping around is to try to compare similar coverage information on every quote request and and to get price quotes from as many companies as possible. This ensures an apples-to-apples comparison and a complete price analysis.
Anyone knows that car insurance companies don’t want you comparing rates. Insureds who shop around for cheaper prices will most likely switch to a new company because of the high probability of finding a more affordable policy premium. A recent survey found that people who routinely compared quotes saved about $70 a month as compared to drivers who don’t regularly compare prices.
If finding the best rates on Audi A5 insurance in Tampa is your goal, then learning about how to compare insurance coverage can make shopping around easier.
Our goal in writing this article help educate you on the best methods to compare rates and how to save the most money. If you already have coverage, you will be able to shop for the lowest rates using the concepts you’re about to learn. Nevertheless, Florida car owners can benefit by having an understanding of how the larger insurance companies determine premium rates and use it to your advantage.
Four Things That Affect Your Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower auto insurance prices.
- Higher auto insurance rates for coverage lapses – Going without insurance can be a guaranteed way to bump up your auto insurance costs. Not only will you pay higher rates, getting caught without coverage might get you fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the Florida department of motor vehicles.
- Use one insurance company and save – Many insurance companies will award lower prices to insureds that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. If you currently are using one company, you may still want to compare other Tampa A5 insurance rates to confirm you are receiving the best rates possible.
-
Good drivers pay lower premiums – Having just one driving citation may cause rates to rise by as much as thirty percent. Good drivers get better prices than their less careful counterparts. Drivers with flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to legally drive.
The information below illustrates how speeding tickets and at-fault accidents can increase Audi A5 annual premium costs for different ages of insureds. Data assumes a single male driver, full coverage, $250 deductibles, and no discounts are factored in.
- Car insurance liability coverage limits – The liability section of your policy kicks in if you are ruled to be at fault for an accident. Liability provides legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
-
Insurance losses for an Audi A5 – Car insurance companies analyze historical claim data to calculate a rate that offsets possible losses. Vehicles that the statistics show to have increased losses will cost more for specific coverages. The next table illustrates the collected loss data for Audi A5 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, as an average, is a value of 100. Values that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate higher probability of having a loss or a tendency for losses to be larger than average.
Insurance Loss Ratings for Audi A5 Vehicles Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Most larger insurance companies such as Progressive, Allstate and GEICO allow you to get price estimates from their websites. Doing online price comparisons for Audi A5 insurance in Tampa is very simple because you just enter your coverage preferences as detailed in the form. After the form is submitted, the system makes automated requests for your driving and credit reports and generates a price.
Quoting online for Audi A5 insurance in Tampa helps simplify price comparisons, and it’s absolutely necessary to get many rate quotes in order to get cheaper prices.
To get comparison pricing now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you duplicate the coverages exactly as they are listed on your policy. This makes sure you are getting a rate comparison for similar coverage.
The providers in the list below can provide comparison quotes in Tampa, FL. If multiple companies are listed, we suggest you visit two to three different companies in order to find the most competitive rates.
Insurance coverage analysis
The data table below highlights estimates of rate quotes for Audi A5 models. Being more informed about how premiums are figured is important to be able to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $410 | $810 | $366 | $22 | $110 | $1,718 | $143 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $410 | $810 | $366 | $22 | $110 | $1,718 | $143 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $410 | $916 | $366 | $22 | $110 | $1,824 | $152 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $410 | $916 | $366 | $22 | $110 | $1,824 | $152 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $410 | $916 | $366 | $22 | $110 | $1,824 | $152 |
| A5 2.0T Premium 2-Dr Convertible | $410 | $916 | $430 | $26 | $128 | $1,910 | $159 |
| A5 2.0T Premium Plus 2-Dr Convertible | $410 | $916 | $430 | $26 | $128 | $1,910 | $159 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $452 | $916 | $366 | $22 | $110 | $1,866 | $156 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $452 | $916 | $430 | $26 | $128 | $1,952 | $163 |
| A5 2.0T Prestige 2-Dr Convertible | $452 | $916 | $430 | $26 | $128 | $1,952 | $163 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $452 | $1022 | $366 | $22 | $110 | $1,972 | $164 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower coverage prices noticeably.
Raise deductibles and save
One of the most common car insurance questions is where should you set your physical damage deductibles. The rates shown below can help show the rate differences between low and high comp and collision deductibles. The first rate comparisons uses a $250 physical damage coverage deductible 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 | $406 | $736 | $354 | $20 | $106 | $1,647 | $137 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $406 | $736 | $354 | $20 | $106 | $1,647 | $137 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $406 | $834 | $354 | $20 | $106 | $1,745 | $145 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $406 | $834 | $354 | $20 | $106 | $1,745 | $145 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $406 | $834 | $354 | $20 | $106 | $1,745 | $145 |
| A5 2.0T Premium 2-Dr Convertible | $406 | $834 | $418 | $24 | $124 | $1,831 | $153 |
| A5 2.0T Premium Plus 2-Dr Convertible | $406 | $834 | $418 | $24 | $124 | $1,831 | $153 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $446 | $834 | $354 | $20 | $106 | $1,785 | $149 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $446 | $834 | $418 | $24 | $124 | $1,871 | $156 |
| A5 2.0T Prestige 2-Dr Convertible | $446 | $834 | $418 | $24 | $124 | $1,871 | $156 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $446 | $930 | $354 | $20 | $106 | $1,881 | $157 |
| 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 | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 2.0T Premium 2-Dr Convertible | $250 | $524 | $418 | $24 | $124 | $1,340 | $112 |
| A5 2.0T Premium Plus 2-Dr Convertible | $250 | $524 | $418 | $24 | $124 | $1,340 | $112 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A5 2.0T Prestige 2-Dr Convertible | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $276 | $586 | $354 | $20 | $106 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific garaging location which can decrease or increase premium rates greatly.
Based on the data above, we can derive that using a $250 deductible will cost you about $40 more each month or $480 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claims, you would come out ahead by selecting a higher deductible.
The diagram below demonstrates how choosing different deductibles and can influence Audi A5 annual premium costs for different insured age categories. The premium estimates are based on a married male driver, full coverage, and no discounts are applied.
Cost of full coverage
The example below illustrates the difference between Audi A5 auto insurance costs with and without full coverage. The information is based on no violations or accidents, $100 deductibles, single status, and no additional discounts are factored in.
Should you be buying full coverage?
There is no exact formula to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Audi A5 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after you pay the deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where eliminating full coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Three good reasons to insure your vehicle
Even though it can be expensive, maintaining insurance may not be optional for several reasons.
- Most states have minimum liability requirements which means state laws require a minimum amount of liability in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Audi A5 with a loan, more than likely the lender will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Audi at a significantly higher premium and force you to pay for it.
- Auto insurance protects not only your Audi A5 but also your financial assets. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in Florida is wasting up to $810 a year so it’s important to compare rates each time the policy renews to save money.
Cheaper Audi A5 insurance rates in Tampa
Companies don’t necessarily list the entire discount list very well, so we researched both well-publicized and the harder-to-find discounts that may be available.
- Discount for Home Ownership – Being a homeowner can save a few bucks because owning a home is proof of financial responsibility.
- Switch and Save Discount – Select companies give a discount for signing up prior to the expiration date on your current A5 insurance policy. This can save 10% or more.
- Safety Course Discount – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount if you qualify.
- Distant College Student Discount – Kids who are attending college and leave their car at home may be able to be covered for less.
- Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Savings for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
- Life Insurance Discount – Select insurance carriers reward you with a break if you buy some life insurance too.
- Membership in Organizations – Being a member of qualifying clubs or civic groups could earn you a nice discount on your policy.
- Driving Data Discount – Insureds that choose to allow their company to track driving habits by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
As a sidenote, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The information below illustrates the comparison of Audi A5 yearly insurance costs with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-car, and multi-policy discounts applied.
To view providers who offer car insurance discounts in Florida, click here to view.
When to have guidance from an insurance agency
Many drivers prefer to go talk to an agent and that is a personal choice. The biggest benefit of comparing rates online is the fact that you can find better rates but also keep your business local. Buying from local agencies is still important in Tampa.
To find an agent, once you fill out this short form, your insurance coverage information is immediately sent to companies in Tampa who can give free rate quotes to get your business. There is no reason to find an agent on your own as quotes are delivered immediately to your email address. You can get cheaper car insurance rates without requiring a lot of work. In the event you want to get a price quote from a specific company, don’t hesitate to visit that company’s website and fill out the quote form the provide.
When looking for a local agent, there are a couple of different types of agencies that you can choose from. Agents in Tampa can either be exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
Independent agencies are not employed by one company so they can quote policies amongst many companies depending on which coverage is best. If you are not satisfied with one company, they simply move your policy to a different company and you stay with the same agent.
If you are trying to find cheaper rates, we recommend you check rates from several independent insurance agents so that you can do a thorough price comparison. They also have the ability to place coverage with smaller mutual companies that many times have cheaper rates.
The following are Tampa independent insurance agents that can possibly get you free price quotes.
- Seibert Insurance Agency
5121 Ehrlich Rd #111 – Tampa, FL 33624 – (813) 960-4672 – View Map - Varcas Insurance Agency LLC
1721 W Hillsborough Ave – Tampa, FL 33603 – (813) 319-1940 – View Map - All Affordable Insurance Agency
7211 N Dale Mabry Hwy Suite 108 – Tampa, FL 33614 – (813) 935-5554 – View Map
Exclusive Car Insurance Agents
Exclusive insurance agents can only write with one company such as Allstate and State Farm. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are well schooled in insurance sales which helps overcome the inability to quote other rates. Drivers often buy insurance from these agents mainly due to the brand name rather than having the cheapest rates.
Shown below is a list of exclusive agencies in Tampa that are able to give comparison quotes.
- Allstate Insurance: Paul H. Phaneuf
3641 W Kennedy Blvd F – Tampa, FL 33609 – (813) 353-0303 – View Map - Jim Cornwell – State Farm Insurance Agent
4305 W Bay to Bay Blvd – Tampa, FL 33629 – (813) 835-8892 – View Map - Herma White – State Farm Insurance Agent
14940 N Florida Ave – Tampa, FL 33613 – (813) 961-6661 – View Map
Picking a auto insurance agent requires you to look at more than just the quoted price. Below are some questions you should ask.
- How long has the business existed?
- Do they offer rental car reimbursement?
- What are their preferred companies if they are an independent agency?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will your rates increase after a single accident?
- Do they regularly work with personal auto policies in Tampa?
- What discounts might you be missing?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Compare but don’t skimp
Throughout this article, we presented a lot of ways to compare Audi A5 insurance car insurance rates in Tampa. The key concept to understand is the more providers you compare, the better likelihood of getting the cheapest Audi A5 rate quotes. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.
While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured cut physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price.
People change insurance companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, lack of trust in their agent and policy non-renewal. Whatever your reason, switching auto insurance companies can be easier than you think.
Additional auto insurance information can be read at the links below
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance for a Nissan Rogue in Tampa? (FAQ)
- Who Has the Cheapest Tampa Car Insurance Rates for Lyft Drivers? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in Tampa? (FAQ)
- How Much are Tampa Car Insurance Quotes for Used Cars? (FAQ)
- Who Has Affordable Auto Insurance for a GMC Acadia in Tampa? (FAQ)
- What Insurance is Cheapest for High Mileage Drivers in Tampa? (FAQ)
- How Much is Car Insurance for Felons in Tampa? (FAQ)
- Who Has the Cheapest Tampa Auto Insurance for Drivers with Good Credit? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- Neck Injury FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)