Searching for affordable Columbia Audi Q5 insurance quotes can appear to be somewhat intimidating for people new to buying their car insurance online. With a ridiculous number of online companies available, how can anyone effectively compare the different rates to find better prices?
Astonishing but true according to a recent study, a large majority of drivers in South Carolina have purchased from the same company for more than four years, and practically 40% of car insurance customers have never compared quotes from other companies. American drivers could save up to $860 each year just by getting comparison quotes, but most tend to underestimate the actual amount they would save if they switched to a more affordable policy.
When comparison shopping, comparing a wide range of rates provides better odds of finding better pricing.
The providers in the list below have been selected to offer price comparisons in South Carolina. If more than one company is shown, we recommend you click on several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Q5 3.2 Premium AWD||$142||$314||$320||$18||$96||$890||$74|
|Q5 3.2 Premium Plus AWD||$186||$348||$352||$20||$106||$1,012||$84|
|Q5 3.2 Premium Plus S-Line AWD||$262||$476||$348||$20||$104||$1,210||$101|
|Q5 3.2 Prestige AWD||$324||$784||$412||$24||$124||$1,668||$139|
|Q5 3.2 Prestige S-Line AWD||$318||$798||$386||$22||$116||$1,640||$137|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location which can impact rates significantly.
Rate comparison for different deductibles
The chart below illustrates how your choice of deductibles and can change Audi Q5 insurance costs for different categories of driver ages. The premiums assume a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The diagram below illustrates the comparison of Audi Q5 insurance rates with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, married female driver, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no definitive formula for phasing out comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Audi Q5 replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If you are currently paying more than $700 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some cases where buying only liability insurance is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
Audi Q5 insurance rates by gender
The illustration below visualizes the comparison of Audi Q5 insurance premiums for male and female drivers. The costs are based on no accidents or driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Don't neglect these price cutting discounts
Car insurance can cost a lot, but there could be significant discounts to cut the cost considerably. Some discounts will apply when you quote, but lesser-known reductions have to be requested specifically in order for you to get them. If they aren't giving you every credit possible, you're paying more than you need to.
- Defensive Driver Discounts - Successfully completing a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
- Theft Deterrent System - Vehicles that have factory anti-theft systems help deter theft so companies will give you a small discount.
- Save with a New Car - Buying a new car model can save up to 30% because new model year vehicles keep occupants safer.
- Good Student Discount - This discount may save you up to 25%. Earning this discount can benefit you until age 25.
- 55 and Retired - Seniors may be able to get better insurance rates.
- Paperwork-free - Some companies may give you up to $50 simply for signing on the web.
- No Claim Discounts - Drivers with accident-free driving histories have much lower rates when compared to drivers with a long claim history.
- Multi-car Discount - Drivers who insure multiple cars or trucks with the same insurance company can get a discount for every vehicle.
You can save money using discounts, but many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you're out of luck. But all discounts should help lower your policy premium.
Some companies that may include many of the previously listed discounts include:
If you are trying to find low cost Columbia auto insurance quotes, ask every prospective company the best way to save money. Savings might not apply in your state.
Why Your Insurance Prices might be higher
It's important that you understand some of the elements that aid in calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this enables informed choices that could result in big savings.
Drive lots and pay more - The higher the miles on your Audi annually the more it will cost to insure it. A lot of insurance companies rate vehicles based on their usage. Vehicles that sit idle most of the time receive lower rates compared to those used for work or business. It's always a good idea to double check that your declarations sheet shows the correct usage, because it can save money. Incorrect rating for your Q5 is just wasting money.
Urban areas may pay more - Being located in a small town is a good thing when shopping for auto insurance. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims. City drivers regularly have much more traffic and more severe claims. Higher commute times means more chances of being involved in an auto accident.
Driving citations can increase prices - Just one chargeable violation may increase your cost by twenty percent. Drivers who don't get tickets tend to pay less for car insurance as compared to careless drivers. Drivers who get multiple violations like DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with their state in order to legally drive.
What's your car's IIHS safety rating? - Cars with high safety ratings tend to be cheaper to insure. The safest vehicles reduce injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy. If the Audi Q5 is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Do thieves like your car? - Owning a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
Claims statistics for an Audi Q5 - Auto insurance companies take into consideration historical loss data for every vehicle when they file their rates in each state. Models that tend to have higher number or severity of losses will have higher premium rates.
The next table illustrates the historical insurance loss data for Audi Q5 vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers that are greater than 100 indicate frequent claims or larger claims.
Auto Insurance Loss Data for Audi Q5 Models
|Make and 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|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agents can help
A lot of people still like to buy from a licensed agent and that is a smart decision One of the great benefits of comparing insurance prices online is the fact that drivers can get cheap insurance rates and still have a local agent.
For easy comparison, once you complete this quick form, your insurance data is submitted to local insurance agents that can provide free Columbia auto insurance quotes to get your business. There is no need to search for an agent because quoted prices will be sent to you directly. You can find the lowest rates without a big time investment. If you have a need to compare prices from a particular provider, just search and find their rate quote page and fill out the quote form the provide.
Finding the right company should depend on more than just a cheap price quote. A good agent in Columbia will have answers to these questions.
- Will they make sure you get an adequate claim settlement?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they specialize in personal lines auto insurance in Columbia?
- Are there any discounts that you might be missing?
- Are there any extra charges for paying monthly?
- Does the company use OEM repair parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
When researching local Columbia agents, there are two different types of agencies that differ in how they can insure your vehicles. Columbia agents may be either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
These type of agents are contracted to one company like State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so keep that in mind. They are usually quite knowledgeable on sales techniques which aids in selling service over price. Consumers often choose to use a exclusive agent primarily because of the brand rather than having low rates.
Shown below is a list of exclusive agencies in Columbia who can help you get price quotes.
- Larry Lucas - State Farm Insurance Agent
2100 Gervais St a - Columbia, SC 29204 - (803) 799-1998 - View Map
- Trey Webb - State Farm Insurance Agent
111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map
- James Tanner - State Farm Insurance Agent
1821 Clemson Rd #1 - Columbia, SC 29229 - (803) 865-7800 - View Map
Independent Agents (or Brokers)
Agents that choose to be independent are appointed with more than one company so they have the ability to put coverage with multiple insurance companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally which makes it simple for you. If you need lower rates, you should always get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with additional companies that you may not be familiar with which could offer lower prices.
Below is a list of independent insurance agents in Columbia willing to provide comparison quotes.
- Russell-Massey and Company
1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map
- Nationwide Insurance: Pitts Insurance Team LLC
2640 Gervais St d - Columbia, SC 29204 - (803) 779-3501 - View Map
- Nationwide Insurance: Consultative Ins Grp Inc
776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map
Upon receiving positive responses to all your questions and a low price estimate, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles. Just remember policyholders can terminate your policy for any reason so don't feel that you are obligated to your new company for the entire policy term.
Does auto insurance advertising bend the truth?
Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. All the ads seem to make the promise that drivers can save some big amount if you change your policy. How does every company give you a lower rate on Audi Q5 insurance in Columbia? Just pay attention to how they say it.
Different companies can use profiling for a prospective insured they prefer to insure. For instance, a profitable insured might be between the ages of 30 and 50, has had continuous coverage, and drives less than 10,000 miles a year. Anybody that hits that "sweet spot" will get low car insurance rates and have a good chance to save money with a new company.
Insureds who do not match the "perfect" profile will be charged a higher rate and the customer not buying. The trick is to say "people who switch" not "everybody who quotes" save that much money. That is how insurance companies can confidently make those claims. Each company has different criteria, so you should get as many free Columbia auto insurance quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.
What is YOUR best insurance company?
Drivers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, policy cancellation or even unfair underwriting practices. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
We've covered many tips how you can find cheaper Audi Q5 insurance in Columbia. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Drivers may even discover the best car insurance rates are with a small local company.
More affordable auto insurance in Columbia can be purchased from both online companies as well as from independent agents in Columbia, so you should compare both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and many times these regional insurance providers provide coverage only through independent insurance agents.
To read more, feel free to visit these articles:
- Frontal Crash Tests (iihs.org)
- What Auto Insurance is Cheapest in Wade Hampton, South Carolina? (FAQ)
- Who Has Affordable Car Insurance for a Dodge Journey in South Carolina? (FAQ)
- Who Has Cheap South Carolina Car Insurance Rates for a Nissan Altima? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Company Car in South Carolina? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in South Carolina? (FAQ)
- Who Has Affordable South Carolina Auto Insurance Quotes for State Employees? (FAQ)
- How Much are South Carolina Auto Insurance Quotes for a Dodge Ram? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)