How to Save on Audi Q5 Insurance in Scottsdale

No one in their right mind likes paying for insurance, in particular when their premiums are too high.

Unimaginable but true, most Arizona insurance customers have been with the same company for over three years, and nearly the majority have never quoted insurance rates at all. American drivers could cut their rates by nearly 47% a year just by getting comparison quotes, but they don’t know how much they could save if they switch to a new company. With so many options for buying affordable insurance for an Audi Q5 in Scottsdale, it is hard for the average consumer to find a more affordable insurance company.

Locating the most cost-effective auto insurance policy in Scottsdale is not that difficult as long as you know where to start. If you have a current auto insurance policy or need new coverage, you can use this information to reduce premiums and still have adequate protection. Vehicle owners only need an understanding of the most efficient way to find the lowest price online from multiple companies.

The companies in the list below have been selected to offer comparison quotes in Arizona. To get the best cheap car insurance in Arizona, it’s highly recommended you compare several of them in order to find the cheapest rates.

Get lower-cost Audi Q5 insurance in Scottsdale with discounts

Not many people think insurance is cheap, but you can get discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.

• Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• Paperwork-free – Certain companies may give you up to $50 for signing up digitally online.
• Save with a New Car – Adding a new car to your policy may earn a small discount since newer models are generally safer.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if offered at their school.
• Defensive Driving Course – Passing a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
• Seat Belts Save – Drivers who require all occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
• Discount for Life Insurance – Larger insurance carriers have lower car insurance rates if you buy some life insurance in addition to your auto policy.
• Multi-car Discount – Purchasing coverage when you have several vehicles on the same car insurance policy can reduce rates for all insured vehicles.
• Onboard Data Collection – People who choose to allow driving data submission to monitor driving manner by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
• Organization Discounts – Being a member of a qualifying organization could earn you a nice discount on your policy.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

The example below shows the comparison of Audi Q5 auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

A few popular companies and a partial list of their discounts include:

• GEICO includes discounts for anti-lock brakes, driver training, daytime running lights, multi-policy, and air bags.
• Auto-Owners Insurance offers discounts including multiple vehicles, student away at school, group or association, anti-theft, anti-lock brakes, and mature driver.
• American Family policyholders can earn discounts including defensive driver, multi-vehicle, good student, accident-free, and air bags.
• Esurance offers discounts for paid-in-full, online quote, renters, good driver, anti-lock brakes, and emergency road assistance.
• Progressive has discounts for multi-policy, online signing, homeowner, online quote discount, and good student.
• State Farm offers premium reductions for good student, multiple autos, multiple policy, passive restraint, accident-free, and student away at school.
• AAA may offer discounts for pay-in-full, multi-car, education and occupation, good driver, multi-policy, anti-theft, and good student.

It’s a good idea to ask every company to give you their best rates. Discounts may not apply in every state. If you would like to view companies that have a full spectrum of discounts in Scottsdale, click here.

Audi Q5 insurance rates and statistics

The rate table displayed next covers detailed analysis of insurance costs for Audi Q5 models. Having insight into how car insurance prices are figured can help customers make smart choices when comparing insurance quotes.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in Scottsdale location which can alter coverage rates substantially.

Physical damage deductible comparison

One frequently asked question is where to set your physical damage deductibles. The tables below determine the price difference when you select higher and lower insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific zip code location which can modify insurance rates significantly.

Based on the above data, using a $250 deductible costs an average of $28 more each month or $336 annually averaged for all Q5 models than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 27 months between claims, you would most likely save money if you elect the higher deductible. Here’s a better example of how you can make your own decision.

One big caveat is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a claim. You need access to more funds in the event you need to pay the higher deductible.

The information below illustrates how your deductible choice and can affect Audi Q5 insurance prices for different age groups. The rates are based on a married female driver, full coverage, and no discounts are factored in.

Accidents and violations increase rates

The example below shows how traffic citations and at-fault fender-benders can raise Audi Q5 yearly insurance costs for each different age group. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Audi Q5 insurance rates by gender in Scottsdale

The diagram below illustrates the comparison of Audi Q5 insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no policy discounts are applied.

Scottsdale car insurance companies

Insuring your vehicle with a highly-rated auto insurance provider is hard considering how many different companies there are to choose from in Arizona. The ranking information shown below can help you pick which car insurance providers to look at when looking for cheaper rates.

Top 10 Scottsdale Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Lower Your Scottsdale Insurance Premiums

An important part of buying insurance is that you know the different types of things that aid in calculating insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that can help you get big savings.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set premiums.

Use one insurance company and save – Lots of insurance companies will give a discount to customers that buy multiple policies in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, it’s always a smart idea to compare Audi Q5 rates in Scottsdale to confirm you are receiving the best rates possible.

Drive a safer car and pay less – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles reduce occupant injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates.

Credit score impacts prices – An insured’s credit history is a large factor in determining what you pay for insurance. If your credit rating could use some work, you could be paying less to insure your Audi Q5 by improving your credit score. Insureds with excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit scores.

Insurance companies don’t like frequent insurance claims – Insurance companies in Arizona generally give better rates to people who are claim-free. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Extra coverages that may not be needed – There are quite a few extra bells and whistles that may not really be needed but may not be useful. Insurance for rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so consider taking them off your policy.

Low physical damage deductibles mean high premiums – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of covered claims are a broken side mirror, hail damage, and damage caused by flying debris. The deductibles define the amount the insured will be required to pay in the event of a claim. The higher the amount the insured is willing to pay, the bigger discount you will receive.

Audi Q5 claim data – Companies take into consideration historical loss data for every vehicle to calculate a price that will offset losses. Vehicles that the data determines to have a trend towards higher claim severity or frequency will cost more for specific coverages. The table below shows the insurance loss data used by companies for Audi Q5 vehicles.

For each coverage type, the statistical loss for all vehicles, as an average, equals 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 indicate higher probability of having a loss or tendency to have higher losses.