Audi Q5 Insurance Rates in Tulsa

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It's well known that auto insurance companies don't want policyholders to shop around. People who shop for lower rates will most likely buy a new policy because there are good odds of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that drivers who routinely shopped for cheaper coverage saved on average $860 a year as compared to drivers who don't make a habit of comparing rates.

If finding the most affordable auto insurance is the reason you're reading this, then having some knowledge of how to get rate quotes and compare coverage rates can make shopping around easier.

Discount Audi Q5 insuranceIf saving money is your primary concern, then the best way to get low-cost auto insurance rates in Tulsa is to annually compare prices from different companies in Oklahoma.

  • Step 1: Gain an understanding of policy coverages and the things you can control to prevent high rates. Many policy risk factors that result in higher rates such as tickets, at-fault accidents, and a not-so-good credit history can be improved by making lifestyle changes or driving safer.
  • Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers.
  • Step 3: Compare the new rates to your current policy to see if switching to a new carrier will save money. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
  • Step 4: Tell your current agent or company of your decision to cancel your existing policy. Submit a completed application and payment to your new agent or company. Make sure you put the new proof of insurance paperwork in an easily accessible location.

A good tip to remember is to try to compare the same amount of coverage on each quote and and to get rate quotes from as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.

If you have a current car insurance policy, you will most likely be able to save money using the following tips. Comparing rates for the lowest-priced car insurance policy in Tulsa is actually quite simple. But Oklahoma vehicle owners need to learn the methods companies use to charge you for coverage and use this information to your advantage.

Most major insurance companies make it easy to get prices directly from their websites. Getting online rates for Audi Q5 insurance in Tulsa doesn't take a lot of time because you just enter your coverage preferences as requested by the quote form. When the form is submitted, the company's rating system automatically orders information on your driving record and credit history and quotes a price based on these and other factors.

This makes it easy to compare insurance prices and it's very important to perform this step in order to get the cheapest price.

To quickly find out if lower rates are available, compare rate quotes from the providers shown below. If you have a policy now, it's recommended that you enter the limits and deductibles identical to your current policy. Doing this assures you're receiving a price comparison for the exact same coverage.

The companies shown below have been selected to offer price comparisons in Tulsa, OK. In order to find the best cheap car insurance in Oklahoma, we recommend you click on several of them to get the lowest price.

Affordable Audi Q5 insurance quotes in Tulsa

Car insurance companies don't necessarily list their entire list of discounts in an easy-to-find place, so the next list breaks down both well-publicized and the harder-to-find discounts that may be available.Save money with discounts

  • Life Insurance - Insurance companies who offer life insurance give better prices if you take out some life insurance too.
  • Good Driver Discount - Safe drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
  • Save over 55 - Older drivers can possibly qualify for a discount up to 10%.
  • Full Payment Discount - If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Good Grades - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Onboard Data Collection - Drivers who elect to allow driving data collection to look at where and when they drive remotely like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if they are good drivers.
  • No Accidents - Claim-free drivers have much lower rates in comparison to drivers with a long claim history.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Memberships - Participating in qualifying clubs or civic groups can get you a small discount on your next insurance statement.
  • Fewer Miles Equal More Savings - Low annual miles could earn lower premium rates on the low mileage vehicles.

Discounts reduce rates, but you should keep in mind that some credits don't apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, company stockholders wouldn't be very happy.

The information below shows the difference between Audi Q5 auto insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, marriage, and multi-policy discounts applied.

To see companies that offer discounts in Oklahoma, click this link.

Audi Q5 insurance analysis

The table below highlights a range of insurance rates for Audi Q5 models. Having insight into how car insurance premiums are formulated can be useful when making informed coverage decisions.

Audi Q5 Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $446 $792 $588 $34 $176 $2,036 $170
Q5 3.2 Premium Plus AWD $496 $792 $588 $34 $176 $2,086 $174
Q5 3.2 Premium Plus S-Line AWD $496 $792 $588 $34 $176 $2,086 $174
Q5 3.2 Prestige AWD $496 $896 $588 $34 $176 $2,190 $183
Q5 3.2 Prestige S-Line AWD $496 $896 $588 $34 $176 $2,190 $183
Get Your Own Custom Quote Go

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in garaging location in Tulsa which can affect insurance rates noticeably.

Should you raise deductibles?

When shopping for insurance, a common question is how low should you set your deductibles. The tables below may help to conceptualize the difference in cost when you select higher and lower physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Audi Q5 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $392 $792 $448 $26 $134 $1,817 $151
Q5 3.2 Premium Plus AWD $436 $792 $448 $26 $134 $1,861 $155
Q5 3.2 Premium Plus S-Line AWD $436 $792 $448 $26 $134 $1,861 $155
Q5 3.2 Prestige AWD $436 $896 $448 $26 $134 $1,965 $164
Q5 3.2 Prestige S-Line AWD $436 $896 $448 $26 $134 $1,965 $164
Get Your Own Custom Quote Go
Audi Q5 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $318 $638 $448 $26 $134 $1,564 $130
Q5 3.2 Premium Plus AWD $354 $638 $448 $26 $134 $1,600 $133
Q5 3.2 Premium Plus S-Line AWD $354 $638 $448 $26 $134 $1,600 $133
Q5 3.2 Prestige AWD $354 $722 $448 $26 $134 $1,684 $140
Q5 3.2 Prestige S-Line AWD $354 $722 $448 $26 $134 $1,684 $140
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can impact insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $23 more each month or $276 a year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 11 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

When to talk to an insurance agency

Certain consumers would rather sit down with an agent and doing that can be a smart decision One of the benefits of price shopping on the web is you may find cheap car insurance rates and still have an agent to talk to.

After completing this simple form, the coverage information is sent to local insurance agents in Tulsa who will give you bids to get your business. It simplifies rate comparisons since you won't have to drive around due to the fact that quote results will go immediately to you. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to quote rates from one company in particular, don't hesitate to jump over to their website and complete a quote there.

Finding a good insurer requires more thought than just the quoted price. Before buying a policy in Tulsa, get answers to these questions.

  • Is their price quote a firm figure or are their hidden costs?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is the agency covered by Errors and Omissions coverage?
  • Do they offer claims assistance after hours?
  • What kind of financial rating does the company have?
  • How are claims handled?
  • Do they make recommendations based only on price?

Do you need an independent or exclusive car insurance agent?

When searching for local Tulsa agents, you must know there are a couple different agency structures to choose from. Agents may be either independent agents or exclusive agents.

Exclusive Agents

Exclusive agents can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Many people use the same exclusive agent partially due to high brand loyalty rather than low price.

Listed below are Tulsa exclusive agents willing to provide comparison quotes.

More Tulsa agents

Independent Insurance Agents

Agents of this type do not sell for just one brand so they can quote policies with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and the insured can keep the same agent. If you need cheaper car insurance rates, you definitely need to get some free quotes from a few independent agents to get the most accurate price comparison. Many independent agencies also insure through smaller regional carriers which may provide better rates.

Listed below is a short list of independent insurance agents in Tulsa that can give you price quote information.

More Tulsa agents

How Car Insurance Companies Determine Audi Q5 Insurance Prices

An important part of buying insurance is that you know some of the factors that aid in calculating the price you pay for car insurance. When consumers understand what determines base rates, this enables you to make decisions that can earn you lower premium levels. Lots of factors are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but others are less apparent like your vehicle usage and annual miles driven.

The list below includes some of the items used by your company to calculate your rates.

Liability claims can be big - A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Vehicles with better crash test results cost less to insure - Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce occupant injuries and lower injury rates means lower claim amounts and thus lower rates.

Do you have a tough job? - Did you know your car insurance rates can be affected by your occupation? Occupations like fire fighters, business owners, and dentists are shown to have higher rates than the rest of us attributed to intense work situations and lengthy work days. On the flip side, careers such as farmers, athletes and homemakers pay the least.

Prices can change based on your address - Residing in a small town is a good thing when insuring your vehicles. Urban drivers have to deal with more road rage incidents and longer commutes to work. Fewer people means reduced accidents.

Gals tend to take less risk - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men cause at-fault accidents in similar numbers, but the men tend to have more serious accidents. They also get higher numbers of serious violations like DUI and reckless driving.

The chart below illustrates the comparison of Audi Q5 yearly insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Pay lower costs if you're married - Walking down the aisle actually saves money on your car insurance policy. Having a spouse is viewed as being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.

Decrease car insurance rates by maintaining coverage - Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, getting caught without coverage may result in a steep fine or even jail time.

Audi Q5 historical loss data - Insurance companies factor in insurance loss information in order to profitably underwrite each model. Models that the statistics show to have higher claim amounts or frequency will cost more to insure. The table shown below demonstrates the historical insurance loss data for Audi Q5 vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values that are below 100 are indicative of better than average losses, while numbers shown that are more than 100 show a trend for more claims or larger claims.

Audi Q5 Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi Q5 4dr 4WD 143 96 110 61 55 78
Audi Q5 Hybrid 4dr 4WD 156 165
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying the right Q5 insurance in Oklahoma is an important decision

Despite the high insurance cost for a Audi Q5 in Tulsa, insurance may be required for several reasons.

  • Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection if you drive a vehicle. 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 your vehicle has a loan, almost all lenders will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender will be forced to insure your Audi for a much higher rate and require you to reimburse them the higher premium.
  • Car insurance preserves not only your Audi Q5 but also your financial assets. It also can pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in Tulsa is overpaying over $700 annually so compare rate quotes at every policy renewal to ensure rates are inline.

A little work can save a LOT of money

As you shop your coverage around, make sure you don't buy poor coverage just to save money. There are many occasions where an insured dropped full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

We just covered a lot of tips how to shop for Audi Q5 insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best premium rates are with some of the smallest insurance companies.

Insureds who switch companies do it for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, high rates after DUI convictions or even unfair underwriting practices. It doesn't matter why you want to switch switching auto insurance companies can be less work than you think.

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