Unimaginable but true, about 70% of customers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never even compared quotes to find cheap rates. Many drivers in the U.S. could pocket approximately 47% a year by just comparing rate quotes, but most undervalue how much savings they would realize if they moved their coverage to a different company.
If you want to save the most money, the best way to get discount Audi Q5 insurance in Dallas is to begin comparing prices regularly from companies in Texas.
- Try to understand auto insurance and the things you can control to prevent high rates. Many rating factors that result in higher prices such as inattentive driving and poor credit history can be remedied by making minor changes to your lifestyle. This article provides more information to prevent rate hikes and get bigger discounts that may have been overlooked.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the new rates to your current policy to see if cheaper Q5 coverage is available. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
An essential thing to point out is to compare the same level of coverage on each price quote and and to look at as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and a complete price analysis.
Save a ton by taking advantage of discounts
Some insurance providers don’t always advertise the complete list of policy discounts very clearly, so we researched some of the best known and the harder-to-find discounts that you may qualify for.
- Waiver for an Accident – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
- Save with More Vehicles Insured – Buying insurance for multiple vehicles with one company can reduce rates for all insured vehicles.
- Discount for New Cars – Insuring a vehicle that is new can save you some money since newer models have better safety ratings.
- Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you may save up to 20% and get you low cost Audi Q5 insurance.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Telematics Discount – Dallas drivers who agree to allow driving data collection to scrutinize their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Driver Training Discounts – Passing a defensive driving class can save you 5% or more if you qualify.
You can save money using discounts, but most discounts do not apply the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts should help reduce the cost of coverage.
The example below illustrates the comparison of Audi Q5 insurance prices with and without discounts applied to the policy premium. The data assumes a female driver, no accidents, no driving violations, Texas 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 homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.
Companies and a summarized list of policyholder discounts can be found below.
- Progressive has savings for good student, multi-vehicle, online signing, multi-policy, continuous coverage, and online quote discount.
- Farmers Insurance includes discounts for early shopping, business and professional, pay in full, electronic funds transfer, and distant student.
- Farm Bureau offers discounts including 55 and retired, multi-policy, safe driver, driver training, good student, and renewal discount.
- State Farm discounts include anti-theft, accident-free, multiple autos, Steer Clear safe driver discount, multiple policy, and student away at school.
- GEICO offers premium reductions for good student, daytime running lights, defensive driver, five-year accident-free, air bags, multi-policy, and anti-lock brakes.
- SAFECO may offer discounts for accident prevention training, homeowner, anti-lock brakes, multi-car, and teen safe driver.
- Liberty Mutual may have discounts that include newly retired, teen driver discount, newly married, exclusive group savings, and multi-policy.
When getting a coverage quote, ask each company or agent to give you their best rates. Some discounts might not be offered in Dallas. To view insurers that have a full spectrum of discounts in Texas, click this link.
Compare Dallas Audi Q5 insurance price quotes
The majority of larger companies like State Farm and Allstate give prices directly from their websites. Obtaining pricing for Audi Q5 insurance in Dallas is fairly simple as you simply enter the amount of coverage you want into the quote form. When the form is submitted, the system orders credit information and your driving record and gives you a price quote based on the data you entered.
Getting online quotes for Audi Q5 insurance in Dallas makes comparing rates easy, and it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest payment on auto insurance.
To compare pricing, check out the auto insurance providers below. To compare your current rates, we recommend that you enter the limits and deductibles as close as possible to your current policy. Doing this assures you will have a fair comparison based on the exact same insurance coverage.
The companies in the list below are our best choices to provide price comparisons in Texas. If multiple companies are shown, we suggest you visit two to three different companies in order to find the cheapest rates.
Detailed insurance information
The premium information shown below covers a range of insurance prices for Audi Q5 models. Learning a little about how insurance premiums are calculated can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $362 | $924 | $462 | $28 | $138 | $1,914 | $160 |
| Q5 3.2 Premium Plus AWD | $404 | $924 | $462 | $28 | $138 | $1,956 | $163 |
| Q5 3.2 Premium Plus S-Line AWD | $404 | $924 | $462 | $28 | $138 | $1,956 | $163 |
| Q5 3.2 Prestige AWD | $404 | $1046 | $462 | $28 | $138 | $2,078 | $173 |
| Q5 3.2 Prestige S-Line AWD | $404 | $1046 | $462 | $28 | $138 | $2,078 | $173 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific Dallas garaging location which can affect coverage rates greatly.
An analysis of deductible level
When comparing car insurance rates, the most common question is which deductible level should you buy. The comparison tables below may help you to understand the rate difference between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| Q5 3.2 Premium Plus AWD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Q5 3.2 Premium Plus S-Line AWD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Q5 3.2 Prestige AWD | $370 | $762 | $382 | $22 | $114 | $1,675 | $140 |
| Q5 3.2 Prestige S-Line AWD | $370 | $762 | $382 | $22 | $114 | $1,675 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $206 | $424 | $382 | $22 | $114 | $1,148 | $96 |
| Q5 3.2 Premium Plus AWD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Q5 3.2 Premium Plus S-Line AWD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Q5 3.2 Prestige AWD | $228 | $478 | $382 | $22 | $114 | $1,224 | $102 |
| Q5 3.2 Prestige S-Line AWD | $228 | $478 | $382 | $22 | $114 | $1,224 | $102 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific location information which can raise or lower premium rates greatly.
We can derive from the above data that using a $250 deductible would cost the average driver about $36 more each month or $432 each year across all Audi Q5 models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 21 months between claims, you would save more money by selecting a higher deductible.
Liability only or full coverage
The information below illustrates the difference between Audi Q5 car insurance rates with full physical damage coverage compared to only buying liability only. The premiums assume no accidents, no driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
When to drop comp and collision
There is no set rule for dropping physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Audi Q5 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after the deductible is paid. If it’s costing in excess of $200 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain 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.
Smart Buyers Save on Insurance
The best way to find cheaper car insurance is to take a look at some of the elements that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that could help you find big savings.
The following are some of the most rate-impacting factors used by companies to determine your premiums.
- Deductibles are a factor – Comp and collision deductibles are how much you are required to spend out-of-pocket if a covered claim is submitted. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims are rear-ending another vehicle, damage from fire, and having a roll-over accident. The larger the amount you’re willing to pay, the bigger discount you will receive.
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Prices are impacted by vehicle performance – The type of car, truck or SUV you need insurance for makes a substantial difference in the rate you pay. Economy passenger vehicles normally have pretty low rates, but that’s not the only thing that factors into the final price.
The chart below assumes a married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Audi Q5 insurance rates compared to other makes and models that have a range of performances.
- Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Jobs such as doctors, executives, and stock brokers tend to pay higher rates than average because of high stress levels and extremely grueling work hours. On the other hand, jobs like scientists, engineers and performers get better rates.
- Discounts for alarms and GPS tracking – Choosing to buy a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
- Claim-free discounts can add up – If you frequently file small claims, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies in Texas generally give most affordable rates to policyholders who do not file claims often. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
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Which gender costs less? – Statistics show that females tend to be a little less risky than males. It does not mean females are better drivers. Both genders cause at-fault accidents at a similar rate, but males have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so they pay the highest premiums.
The information below shows the comparison of Audi Q5 insurance costs for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $250 deductibles, single status, and no discounts are applied to the premium.
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Insurance loss probability for an Audi Q5 – Auto insurance companies analyze claim trends for every vehicle when determining insurance costs. Vehicles that tend to have increased claim numbers or amounts will cost more for coverage.
The table below outlines the actual insurance loss data for Audi Q5 vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Values under 100 indicate a favorable loss history, while numbers that are greater than 100 indicate higher probability of having a loss or tendency to have larger claims.
Insurance Loss Ratings for Audi Q5 Vehicles 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Tailor your insurance coverage to you
When it comes to the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- Are my friends covered when driving my car?
- How high should deductibles be on a Audi Q5?
- Do I have coverage if I rent a car in Mexico?
- When should I remove comp and collision on my Audi Q5?
- Can I afford to pay high deductible claims out of pocket?
- What is GAP insurance?
- When would I need additional glass coverage?
- Is a new car covered when I drive it off the dealer lot?
- What is roadside assistance coverage?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form.
Get rate quotes but buy from a local Dallas insurance agency
Some people prefer to sit down with an agent and that is a personal choice. One of the benefits of comparing car insurance online is that you can find cheap car insurance quotes and still buy from a local agent. And providing support for local insurance agents is especially important in Dallas.
After filling out this quick form, your coverage information is instantly submitted to companies in Dallas that provide free Dallas car insurance quotes to get your business. There is no need to find an agent on your own as quotes are delivered to the email address you provide. You can find the lowest rates and work with a local agent. If you have a need to compare prices from a specific car insurance provider, you would need to find their quoting web page and fill out the quote form the provide.
When searching for a reliable agent, it’s helpful to know the different agency structures and how they are distinctly different. Agents in Dallas can be described as either independent or exclusive.
Independent Car Insurance Agents (or Brokers)
Agents of this type are not employed by one company so they have the ability to put coverage with lots of companies and find the cheapest car insurance rates. If they quote lower rates, your agent can switch companies and you can keep the same agent. If you are comparing rate quotes, you definitely need to get rate quotes from at least one independent agent to maximize your price options. Most also have access to small regional insurance companies which may provide better rates.
Below is a small list of independent insurance agents in Dallas who can help you get competitive price quotes.
- Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 – Dallas, TX 75230 – (214) 890-0760 – View Map - E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285 – View Map - Steven Graves Insurance
11300 N Central Expy #430 – Dallas, TX 75243 – (214) 599-0808 – View Map
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are very knowledgeable on sales techniques which aids in selling service over price. Drivers often use the same agent mostly because of loyalty to the company rather than low rates.
Below are exclusive agencies in Dallas willing to provide comparison quotes.
- Kristin Marquardt – State Farm Insurance Agent
10455 N Central Expy Ste 105 – Dallas, TX 75231 – (214) 987-2886 – View Map - Bill Remley – State Farm Insurance Agent
4230 Lyndon B Johnson Fwy #105 – Dallas, TX 75244 – (972) 488-3822 – View Map - Jim Franco – State Farm Insurance Agent
3720 Walnut Hill Ln #203 – Dallas, TX 75229 – (214) 358-3246 – View Map
Choosing an auto insurance agent should include more criteria than just a cheap price quote. Before buying a policy in Dallas, get answers to these questions.
- Do they have a Better Business Bureau rating in Dallas?
- Is the coverage adequate for your vehicle?
- Are there any discounts for paying up front?
- If you have an accident, will your rates go up?
- Do they receive special compensation for putting your coverage with one company over another?
- Is there a 24/7 contact number?
- What company do they have the most business with?
- How much training do they have in personal risk management?
Three reasons to insure your Audi Q5
Despite the high cost of buying insurance for a Audi Q5 in Dallas, auto insurance is required in Texas but also provides important benefits.
- Almost all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Audi Q5 has a loan, it’s most likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender may insure your Audi at an extremely high rate and force you to pay the higher premium.
- Insurance protects both your Audi and your personal assets. It also can pay for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are definitely more than the cost, particularly for liability claims. The average driver in America overpays as much as $865 each year so shop around every year to help ensure money is not being wasted.
One last thing about your coverage
The cheapest Audi Q5 insurance in Dallas is possible both online and also from your neighborhood Dallas agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to find the BEST coverage at the best cost but still have enough coverage for asset protection.
Consumers switch companies for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in responding to claim requests and being labeled a high risk driver. It doesn’t matter why you want to switch switching companies is not as hard as you think.
More detailed insurance information is available by following these links:
- Side Impact Crash Tests (iihs.org)
- How Much is Car Insurance for Uninsured Drivers in Dallas? (FAQ)
- How Much are Car Insurance Rates for Active Military in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Retired Military in Dallas? (FAQ)
- How Much are Dallas Car Insurance Rates for Good Drivers? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Auto Insurance Basics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)