Save on Audi A5 Insurance in Lincoln

Comparison shopping for more affordable Audi A5 insurance in Lincoln can be kind of frustrating for beginners to online comparison shopping. Consumers have so many choices that it can easily become a ton of work to find the lowest price on Audi A5 insurance.

Unthinkable but true, over 70% of consumers have purchased from the same company for a minimum of four years, and practically 40% of car insurance customers have never even compared quotes to find cheaper rates. Lincoln insurance shoppers can save hundreds of dollars each year just by comparing rates, but they underestimate how much they could save if they swap their current policy for a cheaper one.

Locating the best insurance company for you in Lincoln is actually very simple if you learn how to start. Nearly anyone who is required by state law to have auto insurance will most likely find a lower-cost company. Although Nebraska vehicle owners do need to know how insurance companies sell online and apply this information to your search.

The are a couple different ways to compare rate quotes from local Lincoln car insurance companies. The easiest way by far to find affordable Audi A5 insurance rates is to use the internet to compare rates.

When comparing car insurance rates, know that comparing more prices will enable you to find the best rates. Some regional insurers cannot provide Lincoln A5 insurance quotes online, so it’s important to also get price quotes from them as well.

The companies in the list below are ready to provide free quotes in Nebraska. If you want the best car insurance in Nebraska, we suggest you visit as many as you can to get the cheapest price.

Rates and detailed analysis

The premium table shown below highlights a range of insurance prices for Audi A5 models. Learning a little about how policy premiums are calculated can assist in making decisions when shopping around.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in specific zip code location which can raise or lower coverage prices significantly.

Can higher deductibles save money?

One common question asked by Lincoln drivers is the level to set your comp and collision deductibles. The comparisons below may aid in understanding the price difference when you choose different insurance deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in specific garaging location which can impact coverage rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $43 more each month or $516 annually than selecting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claims, you would come out ahead if you opt for a higher deductible.

One thing to be aware of is that raising deductibles to save money means you will have to pay more of your own money when you do file a claim. That will necessitate enough money in the bank in the event you have to pay more for the deductible.

The chart below illustrates how your choice of deductibles and can influence Audi A5 insurance prices for each age group. The data is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Liability only or full coverage

The example below shows the difference between Audi A5 auto insurance rates with full coverage and liability only. The costs are based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.

When to stop paying for full coverage

There is no exact formula that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Audi A5 book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Get lower-cost Audi A5 insurance in Lincoln with discounts

Car insurance is not inexpensive, but you may find discounts that can dramatically reduce your bill. Some discounts apply automatically at quote time, but some need to be specially asked for prior to getting the savings.

• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
• ABS Brakes – Vehicles with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
• Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you could earn a discount of 10% to 20% off each policy.
• Homeowners Savings – Simply owning a home may trigger a policy discount on car insurance because it requires a higher level of personal finance.
• Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as State Farm, Progressive and GEICO permit an accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.
• New Car Discount – Insuring a vehicle that is new may earn a small discount because new vehicles have to meet stringent safety requirements.
• Active Service Discounts – Having a family member in the military could be rewarded with lower car insurance rates.

A quick disclaimer, some credits don’t apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though it appears you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount should definitely cut your policy premium.

The example below compares Audi A5 insurance prices with and without discounts applied to the premium. The prices are based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, marriage, and homeowner discounts applied.

A list of companies and some of the premium reductions they offer are included below.

• AAA has savings for AAA membership discount, pay-in-full, multi-policy, good driver, and multi-car.
• Progressive includes discounts for homeowner, multi-policy, multi-vehicle, online signing, online quote discount, good student, and continuous coverage.
• State Farm has discounts for defensive driving training, good driver, student away at school, accident-free, anti-theft, and Drive Safe & Save.
• Esurance offers discounts for good student, Pac-12 alumni, safety device, paid-in-full, and online quote.
• Nationwide offers discounts including anti-theft, easy pay, family plan, defensive driving, good student, and accident-free.

Check with all the companies the best way to save money. Some of the earlier mentioned discounts may not apply everywhere. To find insurers with the best Audi A5 insurance discounts in Nebraska, follow this link.

Choosing the best A5 insurance in Nebraska is an important decision

Even though it can be expensive, paying for car insurance is mandatory in Nebraska but it also protects more than you think.

First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance if you don’t want to risk a ticket. In Nebraska 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.

Second, if your Audi A5 has a loan, almost every bank will stipulate that you have comprehensive coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Audi for a lot more money and require you to reimburse them the higher premium.

Third, insurance safeguards your Audi and your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $700 annually so we recommend shopping around once a year at a minimum to ensure rates are competitive.

Which policy gives me the best coverage?

When it comes to coverage online or from an agent for your personal vehicles, there really is not a one size fits all plan. Your financial needs are unique.

For example, these questions could help you determine whether or not you would benefit from professional advice.

• Does coverage extend to Mexico or Canada?
• Do I need replacement cost coverage?
• Is business property covered if stolen from my car?
• What vehicles should carry emergency assistance coverage?
• Should I buy only the required Nebraska minimum liability coverage?
• Can I afford low physical damage deductibles?
• Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance agents can help

A lot of people still prefer to buy from a local agent and we recommend doing that The best thing about getting online price quotes is that you can obtain cheap auto insurance rates and also buy local.

Once you complete this short form, your information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own because quoted prices will be sent immediately to you. You’ll get the best rates and work with a local agent. If for some reason you want to compare prices from a specific company, don’t hesitate to navigate to their website and give them your coverage information.

Finding the right provider requires you to look at more than just a cheap price quote. These are valid questions to ask:

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Will you get a loaner vehicle if you car is being repaired?
• Are they paid to recommend certain coverages?
• Can you use your own choice of collision repair facility?
• Does the company have a solid financial rating?
• Where would glass claims be handled in Lincoln?
• Do they offer accident forgiveness?
• Do they review policy coverages at every renewal?

If you are wanting to find a good insurance agency, there are two different types of agencies that you can choose from. Agents in Lincoln can be described as either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Exclusive agencies have only one company to place business with like Allstate, State Farm and Farm Bureau. They are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They receive extensive training on their company’s products which can be an advantage. Consumers frequently buy insurance from these agents mostly because of loyalty to the company instead of buying on price only.

Shown below is a short list of exclusive insurance agencies in Lincoln willing to provide price quotes.

• Allstate Insurance: Raymond Thielen
  4949 N 26th St c – Lincoln, NE 68521 – (402) 435-5757 – View Map
• Roger McGinnis – State Farm Insurance Agent
  6900 O St #105 – Lincoln, NE 68510 – (402) 466-6300 – View Map
• Chuck Clifford III – State Farm Insurance Agent
  2710 S 70th St #103 – Lincoln, NE 68506 – (402) 483-6955 – View Map

View more Lincoln agents

Independent Agents

Independent agents are not employed by one company and that is an advantage because they can write policies through many companies depending on which coverage is best. If premiums increase, your policy is moved internally and you don’t have to find a new agent.

When comparing auto insurance prices, you will want to compare prices from independent agents to get the most accurate price comparison. Many write coverage with companies you’ve never heard of which can save you money.

Listed below are independent agents in Lincoln that are able to give comparison quotes.

• Barney Insurance-Lincoln
  701 N 48th St – Lincoln, NE 68504 – (402) 467-4633 – View Map
• Mittelstadt Agency LLC
  1701 K St – Lincoln, NE 68508 – (402) 434-3990 – View Map
• Mid Mex Insurance Inc
  1010 South St A – Lincoln, NE 68502 – (402) 438-6800 – View Map

View more Lincoln agents

Once you have satisfactory answers to any questions you have as well as offering an affordable quote, it’s possible that you found an insurance agency that meets the requirements to service your policy. Just keep in mind once you purchase a policy you can cancel a policy at any point so don’t feel that you are permanently stuck with a specific company with no way out.