The recommended way to find affordable car insurance rates in Orlando is to do an annual price comparison from insurance carriers who provide car insurance in Florida.
- Gain an understanding of how insurance works and the measures you can take to prevent high rates. Many rating factors that result in higher rates like at-fault accidents, speeding tickets, and a negative credit score can be improved by making lifestyle changes or driving safer. Read the full article for more ideas to get cheaper coverage and find available discounts that you may qualify for.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of companies.
- Compare the quotes to the premium of your current policy to see if a cheaper price is available. If you can save money, verify that coverage does not lapse between policies.
The key thing to know about shopping around is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and and to get rates from as many companies as feasibly possible. Doing this provides a fair rate comparison and a good representation of prices.
Smart shoppers know that car insurance companies want to keep you from comparing prices. Drivers who get comparison quotes once a year are inclined to switch to a new company because there are good odds of finding discount prices. A study showed that drivers who compared price quotes annually saved $850 each year compared to other drivers who never shopped for cheaper rates.
If finding the lowest rates on auto insurance is your ultimate target, then learning about the best way to shop and compare insurance premiums can make the process more efficient.
Insurance discounts help lower rates for Audi A5 insurance in Orlando
Insurance is expensive, but you may be missing some discounts that can help lower your rates. Some trigger automatically at quote time, but some need to be specially asked for prior to receiving the credit.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Discounts for Federal Employees – Simply working for the federal government can save as much as 8% depending on your company.
- Own a Home – Simply owning a home may trigger a policy discount on insurance because it is proof of financial responsibility.
- New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you could save approximately 10% to 15%.
- More Vehicles More Savings – Purchasing coverage when you have multiple cars or trucks with one company may reduce the rate for each vehicle.
As is typical with insurance, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.
The illustration below shows the difference between Audi A5 insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving citations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, homeowner, and multi-policy discounts applied.
Popular insurance companies and their offered discounts are included below.
- 21st Century offers premium reductions for theft prevention, teen driver, student driver, automatic seat belts, early bird, and air bags.
- State Farm includes discounts for defensive driving training, Drive Safe & Save, anti-theft, Steer Clear safe driver discount, and accident-free.
- AAA has savings for multi-car, AAA membership discount, education and occupation, anti-theft, pay-in-full, and good student.
- Liberty Mutual offers discounts including exclusive group savings, preferred payment discount, new vehicle discount, hybrid vehicle, good student, newly retired, and new move discount.
- Progressive has discounts for good student, online quote discount, online signing, multi-vehicle, continuous coverage, and multi-policy.
When getting free Orlando auto insurance quotes, it’s a good idea to all companies you are considering how you can save money. All car insurance discounts may not apply to policies in your area. To see a list of insurance companies that provide some of the discounts listed above in Orlando, click here.
There are several ways to get quotes from auto insurance companies in your area. The best method to find the lowest Audi A5 rates is to use the internet to compare rates.
When comparing auto insurance rates, know that getting more free quotes provides better odds of finding a better price.
The companies in the list below are our best choices to provide quotes in Florida. If multiple companies are listed, it’s a good idea that you get prices from several of them to get the most affordable price.
Coverage analysis
The premium information displayed next highlights a range of insurance costs for Audi A5 models. Learning a little about how insurance policy premiums are established is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $320 | $582 | $362 | $22 | $108 | $1,394 | $116 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $320 | $582 | $362 | $22 | $108 | $1,394 | $116 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $320 | $658 | $362 | $22 | $108 | $1,470 | $123 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $320 | $658 | $362 | $22 | $108 | $1,470 | $123 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $320 | $658 | $362 | $22 | $108 | $1,470 | $123 |
| A5 2.0T Premium 2-Dr Convertible | $320 | $658 | $426 | $26 | $128 | $1,558 | $130 |
| A5 2.0T Premium Plus 2-Dr Convertible | $320 | $658 | $426 | $26 | $128 | $1,558 | $130 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $352 | $658 | $362 | $22 | $108 | $1,502 | $125 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $352 | $658 | $426 | $26 | $128 | $1,590 | $133 |
| A5 2.0T Prestige 2-Dr Convertible | $352 | $658 | $426 | $26 | $128 | $1,590 | $133 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $352 | $736 | $362 | $22 | $108 | $1,580 | $132 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in Orlando location which can influence coverage rates noticeably.
Should you raise deductibles?
When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below may aid in understanding the rate fluctuation of buying low and high policy deductibles. The first rate table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $452 | $880 | $354 | $20 | $106 | $1,837 | $153 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $452 | $880 | $354 | $20 | $106 | $1,837 | $153 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $452 | $994 | $354 | $20 | $106 | $1,951 | $163 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $452 | $994 | $354 | $20 | $106 | $1,951 | $163 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $452 | $994 | $354 | $20 | $106 | $1,951 | $163 |
| A5 2.0T Premium 2-Dr Convertible | $452 | $994 | $418 | $24 | $124 | $2,037 | $170 |
| A5 2.0T Premium Plus 2-Dr Convertible | $452 | $994 | $418 | $24 | $124 | $2,037 | $170 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A5 2.0T Prestige 2-Dr Convertible | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $498 | $1110 | $354 | $20 | $106 | $2,113 | $176 |
| 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 | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| A5 2.0T Premium 2-Dr Convertible | $250 | $524 | $418 | $24 | $124 | $1,340 | $112 |
| A5 2.0T Premium Plus 2-Dr Convertible | $250 | $524 | $418 | $24 | $124 | $1,340 | $112 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A5 2.0T Prestige 2-Dr Convertible | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $276 | $586 | $354 | $20 | $106 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can revise prices substantially.
Based on this data, using a $100 deductible costs roughly $58 more each month or $696 for a full year than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claim filings, you would probably come out ahead if you elect the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $166 |
| Average monthly premium for $1,000 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $58 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $58 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
An important thing to remember is that increasing deductibles to lower your rates results in a higher out-of-pocket expense at claim time. You must have enough savings in the event you have to pay more for the deductible.
The diagram below illustrates how your deductible choice and can influence Audi A5 annual premium costs for each different age group. The rate quotes are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Driving violations and accidents
The illustration below illustrates how violations and at-fault claims can increase Audi A5 insurance costs for different categories of driver ages. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
How to know if you need help
When selecting proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that.
These are some specific questions can help discover whether or not you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- Is my babysitter covered when using my vehicle?
- What are the financial responsibility laws in my state?
- How much liability insurance is required?
- Does coverage extend to my business vehicle?
- I have a DUI can I still get coverage?
- Should I buy additional glass protection?
- Is my Audi A5 covered for smoke damage?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Do I need an insurance agent?
Certain consumers still like to go talk to an agent and there is nothing wrong with that. One of the best bonuses of getting free rate quotes online is that you can obtain better rates and also buy local. And supporting local agents is important especially in Orlando.
Once you complete this short form, the coverage information is submitted to companies in Orlando who will give you bids and help you find cheaper coverage. There is no need to visit any agencies since rate quotes are delivered immediately to you. You can find lower rates and an insurance agent to talk to. If you want to get a comparison quote from a specific car insurance provider, just jump over to their website and fill out their quote form.
When looking for a local insurance agency, it’s important to understand the types of agencies and how they can service your needs differently. Car insurance agencies are classified as either independent or exclusive.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent are not restricted to one company so they can quote policies through many different car insurance companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house which makes it simple for you. When comparing rates, you need to get rate quotes from several independent agencies for the best price selection. Many write coverage with smaller companies which may have better rates.
Below is a list of independent agents in Orlando that may be able to give competitive price quotes.
- Floridian Insurance Agency
7316 E Colonial Dr – Orlando, FL 32807 – (407) 207-1616 – View Map - All Insurance Able
2319 S Goldenrod Rd – Orlando, FL 32822 – (407) 243-9700 – View Map - Brightway Insurance
3548 S Orange Ave – Orlando, FL 32806 – (407) 816-3161 – View Map
Exclusive Agencies
Exclusive agencies can only write with one company and some examples include Farmers Insurance and State Farm. They are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are trained well on their company’s products which helps them sell on service rather than price. Consumers frequently buy insurance from these agents partially due to the brand legacy rather than low price.
Below are Orlando exclusive agents willing to provide rate quotes.
- Rick Fowler – State Farm Insurance Agent
2700 Corrine Dr – Orlando, FL 32803 – (407) 897-8100 – View Map - Bill Bryan – State Farm Insurance Agent
5470 Central Florida Pkwy – Orlando, FL 32821 – (407) 239-4777 – View Map - Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 – View Map
Choosing an insurance agency requires you to look at more than just a cheap price. These are some valid questions you should ask.
- Which companies do they recommend if they are an independent agency?
- Do they specialize in personal lines coverage in Orlando?
- Is there a 24/7 contact number?
- Will the agent help in case of a claim?
- How much will you save each year by using a higher deductible?
- Can you choose the body shop in case repairs are needed?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
A conclusion for your auto insurance search
In this article, we presented some good ideas how to reduce Audi A5 insurance rates online in Orlando. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable Orlando auto insurance quotes. Drivers may even discover the biggest savings come from the least-expected company. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
Lower-priced Audi A5 insurance in Orlando is attainable online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies may not offer rate quotes online and usually these regional carriers only sell coverage through independent agents.
Additional articles
- Teen Driving Statistics (GEICO)
- Who Has Affordable Auto Insurance Quotes for a Dodge Ram in Orlando? (FAQ)
- How Much are Car Insurance Quotes for Safe Drivers in Orlando? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in Orlando? (FAQ)
- Who Has Cheap Car Insurance Rates for Nurses in Orlando? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Safe Vehicles for Teens (iihs.org)