The most effective way to find low-cost Audi A5 insurance is to regularly compare price quotes from companies who provide auto insurance in Henderson. Price quotes can be compared by following these guidelines.
- Step 1: Spend a few minutes and learn about coverages and the measures you can take to keep rates in check. Many factors that result in higher prices like your driving record and a less-than-favorable credit rating can be controlled by paying attention to minor details. Later in this article we will cover tips to help reduce premium rates and find overlooked discounts.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from many different companies. Select a company
- Step 3: Compare the new rate quotes to your existing policy and determine if cheaper A5 coverage is available. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
The key thing to remember is that you use identical coverage information on each quote request and and to get rate quotes from as many carriers as you can. Doing this ensures an apples-to-apples comparison and a thorough price selection.
Smart shoppers know that auto insurance companies don’t want policyholders to compare prices from other companies. People who get price comparisons are highly likely to switch to a new company because there is a great chance of finding a lower-priced policy. A recent insurance study revealed that drivers who routinely shopped for cheaper coverage saved as much as $3,450 over four years as compared to drivers who never shopped for cheaper rates.
If finding discount rates on car insurance in Henderson is your ultimate objective, then having an understanding of the best way to compare coverages can help make the process easier and more efficient.
If you currently have car insurance, you will surely be able to reduce premiums using the concepts covered in this article. Pricing the lowest cost car insurance policy in Henderson is quite easy. But Nevada drivers must understand the methods companies use to determine how much to charge and apply this information to your search.
Most larger insurance companies like State Farm, Allstate and GEICO make it easy to get insurance quotes direct online. Comparing Audi A5 insurance rates online is pretty painless because it’s just a matter of typing in the coverages you want as detailed in the form. After the form is submitted, the quote system makes automated requests for your driving record and credit report and returns a price based on the information you submitted.
Being able to quote online for Audi A5 insurance in Henderson makes it simple to compare prices and it’s also necessary to have as many quotes as possible in order to get affordable rates.
In order to compare rates using this form now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This way, you will receive rate quotes for similar insurance coverage.
The following companies provide comparison quotes in Nevada. If you want to find cheap car insurance in Nevada, it’s highly recommended you get rate quotes from several of them in order to get a fair rate comparison.
Car insurance analysis for an Audi A5
The premium table displayed next highlights estimates of rate quotes for Audi A5 models. Being aware of how insurance rates are calculated helps drivers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $380 | $650 | $344 | $20 | $102 | $1,496 | $125 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $380 | $650 | $344 | $20 | $102 | $1,496 | $125 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $380 | $736 | $344 | $20 | $102 | $1,582 | $132 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $380 | $736 | $344 | $20 | $102 | $1,582 | $132 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $380 | $736 | $344 | $20 | $102 | $1,582 | $132 |
| A5 2.0T Premium 2-Dr Convertible | $380 | $736 | $404 | $24 | $120 | $1,664 | $139 |
| A5 2.0T Premium Plus 2-Dr Convertible | $380 | $736 | $404 | $24 | $120 | $1,664 | $139 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $420 | $736 | $344 | $20 | $102 | $1,622 | $135 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $420 | $736 | $404 | $24 | $120 | $1,704 | $142 |
| A5 2.0T Prestige 2-Dr Convertible | $420 | $736 | $404 | $24 | $120 | $1,704 | $142 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $420 | $820 | $344 | $20 | $102 | $1,706 | $142 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific Henderson garaging location which can decrease or increase coverage prices greatly.
Physical damage deductibles
One of the most common car insurance questions is where should you set your physical damage deductibles. The premium rates below summarize the differences in price when you buy lower versus higher deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $300 | $544 | $262 | $16 | $78 | $1,225 | $102 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $300 | $544 | $262 | $16 | $78 | $1,225 | $102 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $300 | $616 | $262 | $16 | $78 | $1,297 | $108 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $300 | $616 | $262 | $16 | $78 | $1,297 | $108 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $300 | $616 | $262 | $16 | $78 | $1,297 | $108 |
| A5 2.0T Premium 2-Dr Convertible | $300 | $616 | $308 | $18 | $92 | $1,359 | $113 |
| A5 2.0T Premium Plus 2-Dr Convertible | $300 | $616 | $308 | $18 | $92 | $1,359 | $113 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $330 | $616 | $262 | $16 | $78 | $1,327 | $111 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $330 | $616 | $308 | $18 | $92 | $1,389 | $116 |
| A5 2.0T Prestige 2-Dr Convertible | $330 | $616 | $308 | $18 | $92 | $1,389 | $116 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $330 | $688 | $262 | $16 | $78 | $1,399 | $117 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $244 | $438 | $262 | $16 | $78 | $1,038 | $87 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $244 | $438 | $262 | $16 | $78 | $1,038 | $87 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $244 | $496 | $262 | $16 | $78 | $1,096 | $91 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $244 | $496 | $262 | $16 | $78 | $1,096 | $91 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $244 | $496 | $262 | $16 | $78 | $1,096 | $91 |
| A5 2.0T Premium 2-Dr Convertible | $244 | $496 | $308 | $18 | $92 | $1,158 | $97 |
| A5 2.0T Premium Plus 2-Dr Convertible | $244 | $496 | $308 | $18 | $92 | $1,158 | $97 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $268 | $496 | $262 | $16 | $78 | $1,120 | $93 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $268 | $496 | $308 | $18 | $92 | $1,182 | $99 |
| A5 2.0T Prestige 2-Dr Convertible | $268 | $496 | $308 | $18 | $92 | $1,182 | $99 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $268 | $554 | $262 | $16 | $78 | $1,178 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can affect premiums noticeably.
We can estimate from the data above that using a $250 deductible costs about $16 more each month or $192 each year across all Audi A5 models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 16 months between claim filings, you would probably be better off going with the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
Cost comparison with and without full coverage
The information below illustrates the difference between Audi A5 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.
When to drop full coverage
There isn’t a steadfast formula for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Audi A5 book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If you are paying in excess of $500 annually for full coverage, then you might consider buying liability only.
There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
Buying insurance from Henderson car insurance agents
Some consumers still like to get professional advice from a licensed agent and often times that is recommended A nice benefit of price shopping on the web is you may find cheap rate quotes and still have a local agent. And supporting local agents is definitely important in Henderson.
To help locate an agent, after submitting this quick form, the quote information is emailed to companies in Henderson that can provide free Henderson car insurance quotes for your business. You don’t have to find an agent on your own because prices are sent immediately to your email address. It’s the lowest rates and an insurance agent to talk to. If for some reason you want to compare rates from a specific insurance company, you just need to find their quoting web page and complete a quote there.
The difference between Henderson auto insurance agents
If you need to find a good insurance agency, it helps to know the two different types of agencies and how they can service your needs differently. Insurance agencies can either be exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Agents in the independent channel are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, they simply move your policy to a different company and you stay with the same agent.
If you are comparing insurance prices, you need to include several independent agencies to get the best comparison. Most independent agents also contract with smaller regional carriers which can save you money.
Listed below is a short list of independent insurance agents in Henderson that may be able to give cheap rate quotes.
- High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map - Paradigm Insurance Agency
170 S Green Valley Pkwy #300 – Henderson, NV 89012 – (702) 522-0730 – View Map - Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy – Henderson, NV 89002 – (702) 732-7675 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only provide one company’s prices and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so they really need to provide good service. They receive extensive training in insurance sales which can be an advantage. Consumers sometimes use the same exclusive agent mainly due to the prominent brand name instead of buying on price only.
The following are Henderson exclusive insurance agents willing to provide rate quotes.
- State Farm: Carl Endorf
120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070 – View Map - Farmers Insurance – Frank Tworek
911 American Pacific Dr #140 – Henderson, NV 89014 – (702) 316-4888 – View Map - Eugene Ramos – State Farm Insurance Agent
1205 W Warm Springs Rd #107 – Henderson, NV 89014 – (702) 597-1750 – View Map
Choosing the best car insurance agent shouldn’t rely on just the premium amount. The questions below may impact your decision as well.
- Can glass repairs be made at your home?
- Can they give you a list of client referrals?
- Can you choose the body shop in case repairs are needed?
- Do they get paid more for recommending certain coverages?
- Do they reduce claim amounts on high mileage vehicles?
What is the best auto insurance company in Nevada?
Insuring your vehicle with a high-quality car insurance company can be challenging considering how many companies sell coverage in Henderson. The ranking information below could help you select which auto insurance companies you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies