Audi Q5 Insurance Quotes in Columbus

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If you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates is to start comparing rates regularly from providers that sell auto insurance in Columbus. Price quotes can be compared by completing these steps.

  • First, try to understand how car insurance works and the measures you can take to lower rates. Many things that increase rates like accidents, traffic violations, and an unacceptable credit score can be remedied by paying attention to minor details.
  • Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while agents who are independent can quote rates from multiple sources.
  • Third, compare the quotes to your existing coverage to see if a cheaper rate is available. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, notify your current company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment for the new coverage. Immediately upon receiving it, place the new proof of insurance certificate in your vehicle's glove compartment or console.

The key thing to know about shopping around is that you use similar coverage information on every quote request and and to get rates from as many different insurance providers as possible. This enables an accurate price comparison and the most accurate and complete price analysis.

Insurance quote for Audi Q5 in ColumbusRegrettably, a large majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and nearly half have never even shopped around for lower-cost coverage. Columbus insurance shoppers could cut their rates by almost 55% a year, but they mistakenly think it's difficult to go online and compare rates.

Companies offering Audi Q5 insurance in Ohio

The following companies offer price quotes in Columbus, OH. If more than one company is shown, we suggest you click on several of them to get the best price comparison.

Rates and statistics

The table shown next covers estimates of insurance policy prices for Audi Q5 models. Having insight into how insurance premiums are calculated can help guide drivers when making decisions on which coverage to buy.

Audi Q5 Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $220 $478 $226 $14 $68 $1,006 $84
Q5 3.2 Premium Plus AWD $246 $478 $226 $14 $68 $1,032 $86
Q5 3.2 Premium Plus S-Line AWD $246 $478 $226 $14 $68 $1,032 $86
Q5 3.2 Prestige AWD $246 $542 $226 $14 $68 $1,096 $91
Q5 3.2 Prestige S-Line AWD $246 $542 $226 $14 $68 $1,096 $91
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Columbus location which can affect premium rates considerably.

Analysis of deductible levels

One frequently asked question is which deductible level should you buy. The rates shown below lay out the differences in premium rates between low and high physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Audi Q5 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $220 $478 $226 $14 $68 $1,031 $86
Q5 3.2 Premium Plus AWD $246 $478 $226 $14 $68 $1,057 $88
Q5 3.2 Premium Plus S-Line AWD $246 $478 $226 $14 $68 $1,057 $88
Q5 3.2 Prestige AWD $246 $542 $226 $14 $68 $1,121 $93
Q5 3.2 Prestige S-Line AWD $246 $542 $226 $14 $68 $1,121 $93
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Audi Q5 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $160 $324 $226 $14 $68 $792 $66
Q5 3.2 Premium Plus AWD $180 $324 $226 $14 $68 $812 $68
Q5 3.2 Premium Plus S-Line AWD $180 $324 $226 $14 $68 $812 $68
Q5 3.2 Prestige AWD $180 $366 $226 $14 $68 $854 $71
Q5 3.2 Prestige S-Line AWD $180 $366 $226 $14 $68 $854 $71
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in zip code location which can influence premium rates significantly.

Based on the figures above, using a $100 deductible will cost in the ballpark of $21 more each month or $252 each year across all Audi Q5 models than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 19 months between claims, you would save more money if you elect the higher deductible.

Difference between full coverage and liability only rates

The information below illustrates the difference between Audi Q5 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no exact formula to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's say your Audi Q5 settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Do you qualify for discounts on Audi Q5 insurance in Columbus?

Car insurance is expensive, but you may find discounts that may help make it more affordable. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be inquired about in order for you to get them.

  • Accident Free - Columbus drivers who stay claim-free pay less as opposed to frequent claim filers.
  • 55 and Retired - Mature drivers may receive a small decrease in premiums.
  • Multiple Cars - Having more than one vehicle on one policy could earn a price break for each car.
  • Student in College - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Own a Home - Just owning your own home may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.
  • Buy New and Save - Buying a new car instead of a used Q5 can save up to 30% because newer models are generally safer.
  • Driver Safety - Successfully completing a defensive driving course could save 5% or more and also improve your driving technique.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it's possible to get free car insurance, companies wouldn't make money that way.

The chart below visualizes the comparison of Audi Q5 premium costs with and without discounts applied to the rates. The data assumes a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, homeowner, and safe-driver discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts include:

  • Farm Bureau offers discounts including multi-vehicle, 55 and retired, multi-policy, safe driver, and driver training.
  • MetLife has discounts for good driver, defensive driver, claim-free, accident-free, and good student.
  • Progressive policyholders can earn discounts including good student, homeowner, multi-policy, continuous coverage, and online quote discount.
  • AAA offers discounts for education and occupation, pay-in-full, good driver, anti-theft, and AAA membership discount.
  • American Family may include discounts for accident-free, bundled insurance, defensive driver, good driver, TimeAway discount, early bird, and mySafetyValet.
  • GEICO has savings for military active duty, anti-theft, air bags, anti-lock brakes, multi-policy, and seat belt use.
  • State Farm offers premium reductions for safe vehicle, multiple policy, accident-free, driver's education, and good student.

Before purchasing a policy, check with all companies you are considering how you can save money. Some discounts may not be available in Columbus. To see a list of providers that offer some of these discounts in Columbus, click here to view.

Local insurance agents

Some people would prefer to buy from a licensed agent. A nice benefit of price shopping on the web is that drivers can save money and get lower rates and still choose a local agent. Supporting local insurance agents is important particularly in Columbus.

Find insurance agent in ColumbusTo help locate an agent, after submitting this form (opens in new window), your insurance data is transmitted to local insurance agents in Columbus that can provide free Columbus car insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to find an agent since rate quotes are delivered directly to you. You can get cheaper car insurance rates without requiring a lot of work. If you want to get a comparison quote for a specific company, you would need to navigate to their website to submit a rate quote request.

Picking a insurer shouldn't rely on just a low price. These are some questions your agent should answer.

  • How long have they been in business?
  • Do they prorate repair cost based on vehicle mileage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Will you work with the agent or an assistant?
  • Are there any discounts that you might be missing?
  • Is there a Errors and Omissions policy in force?
  • Where would glass claims be handled in Columbus?

Frequent quotes can save

Some auto insurance companies may not provide online rate quotes and many times these regional insurance providers prefer to sell through independent agents. Discount Audi Q5 insurance can be bought from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

As you shop your coverage around, never buy less coverage just to save a little money. There are many occasions where someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

You just read many ways to lower your Audi Q5 insurance premium rates in Columbus. It's most important to understand that the more times you quote, the better likelihood of getting affordable Audi Q5 insurance quotes. You may even find the lowest premium rates come from the smaller companies.

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