If your goal is the lowest price, then the best way to find affordable Audi A5 insurance is to compare quotes annually from companies in Tulsa.
First, learn about how companies set rates and the things you can change to prevent rate increases. Many factors that are responsible for high rates like accidents, traffic tickets, and a not-so-good credit history can be eliminated by making lifestyle changes or driving safer.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for many different companies. Select a company
Third, compare the price quotes to your existing coverage to see if you can save by switching companies. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
One key aspect when comparing rates is to make sure you enter the same deductibles and limits on each quote and and to get rates from as many auto insurance providers as possible. This provides the most accurate price comparison and and a good selection of different prices.
Shockingly, almost 70% of insureds have been with the same company for four years or more, and 38% of customers have never compared rates with other companies. Oklahoma insurance shoppers can save hundreds of dollars each year by just comparing quotes, but they just don’t understand how easy it is to shop their coverage around.
If you’re already insured or need a new policy, use these money-saving tips to cut your premiums without sacrificing coverage. Our objective in writing this article is to tell you how car insurance works and also pocket some savings Vehicle owners just need to use the quickest way to shop from many companies at once.
Many insurance companies give insurance quotes directly from their websites. This process is quite easy as you simply type in the coverages you want into the quote form. When complete, the company’s rating system gets your driving record and credit report and provides a quote.
This makes it a lot easier to compare rates and it’s necessary to perform this step in order to find a lower rate.
In order to find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter your coverages just like they are on your policy. This way, you will be getting comparison quotes for the exact same coverage.
The companies shown below are our best choices to provide price comparisons in Oklahoma. If you wish to find the best auto insurance in Oklahoma, we suggest you compare several of them to find the most competitive auto insurance rates.
Car insurance is not optional in Oklahoma
Despite the fact that car insurance is not cheap in Tulsa, maintaining insurance is required by state law in Oklahoma and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means state laws require specific limits of liability coverage in order to be legal. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your vehicle, most banks will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may have to buy a policy to insure your Audi for a lot more money and require you to pay a much higher amount than you were paying before.
- Insurance safeguards both your assets and your Audi A5. Insurance will pay for medical bills incurred in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying car insurance outweigh the cost, especially for larger claims. The average driver in Oklahoma overpays more than $865 each year so you should quote rates each time the policy renews to help ensure money is not being wasted.
Audi A5 coverage statistics
The data table below covers detailed analysis of insurance coverage prices for Audi A5 models. Knowing how premiums are figured is important for drivers to 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||$418||$926||$400||$24||$120||$1,888||$157|
|A5 2.0T Quattro Premium Plus 2-Dr Coupe||$418||$926||$400||$24||$120||$1,888||$157|
|A5 3.2 Quattro Prestige 2-Dr Coupe||$418||$1048||$400||$24||$120||$2,010||$168|
|A5 3.2 Quattro Premium Plus 2-Dr Coupe||$418||$1048||$400||$24||$120||$2,010||$168|
|A5 2.0T Quattro Prestige 2-Dr Coupe||$418||$1048||$400||$24||$120||$2,010||$168|
|A5 2.0T Premium 2-Dr Convertible||$418||$1048||$470||$28||$140||$2,104||$175|
|A5 2.0T Premium Plus 2-Dr Convertible||$418||$1048||$470||$28||$140||$2,104||$175|
|A5 2.0T Quattro Prestige S-Line 2-Dr Coupe||$460||$1048||$400||$24||$120||$2,052||$171|
|A5 2.0T Prestige S-Line 2-Dr Convertible||$460||$1048||$470||$28||$140||$2,146||$179|
|A5 2.0T Prestige 2-Dr Convertible||$460||$1048||$470||$28||$140||$2,146||$179|
|A5 3.2 Quattro Prestige S-Line 2-Dr Coupe||$460||$1170||$400||$24||$120||$2,174||$181|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific Tulsa garaging location which can influence auto insurance rates substantially.
How much more does full coverage cost in Tulsa?
The example below shows the comparison of Audi A5 yearly insurance costs with full coverage compared to only the Oklahoma minimum liability coverage. The price estimates are based on no claims or driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no definitive guideline of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Audi A5 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your deductible. If you are paying over $200 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Score discounts to get cheaper Tulsa insurance quotes
Insurance is neither fun to buy or cheap, but there could be significant discounts to help offset the cost. Some discounts apply automatically when you complete an application, but a few must be asked about before they will apply.
- Memberships – Having an affiliation with a civic or occupational organization in Tulsa may earn a discount on your next insurance statement.
- Bundle and Save – If you have multiple policies with the same company they may give you a discount of up to 20% and get you inexpensive Audi A5 insurance in Tulsa.
- Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison to drivers who are more careless.
- Passenger Safety Discount – Factory air bags can get savings of 20% or more.
- Military Rewards – Being deployed with a military unit could trigger a small discount.
- Telematics Data Discounts – Policyholders that allow their insurance company to look at when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.
- Senior Citizen Rates – Drivers that qualify as senior citizens may receive a slight reduction on a Tulsa car insurance quote.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
- Pay Early and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Savings for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The example below compares Audi A5 insurance prices with and without policy discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.
Companies that may have these benefits are:
If you want the cheapest Audi A5 rate quotes, ask each insurance company which discounts you may be entitled to. A few discounts might not apply in Tulsa. To locate providers that offer multiple discounts in Tulsa, click here to view.