Save Money on Audi A5 Insurance in Jacksonville

Insurance rates Audi A5 in JacksonvilleUnbelievable but true according to a study about 70% of customers have bought auto insurance from the same company for over three years, and 38% of drivers have never compared rates to find cheap insurance. With the average auto insurance premium being $2,200, Jacksonville drivers can save approximately $1,130 each year by just comparing rate quotes, but they underestimate the amount of savings they would get if they switch to a new company.

Truthfully, the best way to get affordable auto insurance rates in Jacksonville is to regularly compare prices from insurers in Florida.

One important bit of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and to quote with as many different companies as possible. This helps ensure a level playing field and maximum price selection.

The purpose of this article is to help you learn the best way to quote coverages and how to save the most money. If you have insurance now, you will surely be able to cut your premiums using this information. Nevertheless, Florida consumers must comprehend how big insurance companies calculate your car insurance rates and use it to find better rates.

When comparison shopping, comparing more prices helps you find the best offered rates.

The auto insurance companies shown below have been selected to offer price quotes in Jacksonville, FL. If the list has multiple companies, we recommend you get rate quotes from several of them to get a more complete price comparison.

Detailed insurance information

The table below highlights different insurance prices for Audi A5 models. Understanding how auto insurance prices are figured can assist in making smart choices when selecting a coverage provider.


Audi A5 Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $348 $722 $400 $24 $120 $1,614 $135
A5 2.0T Quattro Premium Plus 2-Dr Coupe $348 $722 $400 $24 $120 $1,614 $135
A5 3.2 Quattro Prestige 2-Dr Coupe $348 $816 $400 $24 $120 $1,708 $142
A5 3.2 Quattro Premium Plus 2-Dr Coupe $348 $816 $400 $24 $120 $1,708 $142
A5 2.0T Quattro Prestige 2-Dr Coupe $348 $816 $400 $24 $120 $1,708 $142
A5 2.0T Premium 2-Dr Convertible $348 $816 $472 $28 $142 $1,806 $151
A5 2.0T Premium Plus 2-Dr Convertible $348 $816 $472 $28 $142 $1,806 $151
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $384 $816 $400 $24 $120 $1,744 $145
A5 2.0T Prestige S-Line 2-Dr Convertible $384 $816 $472 $28 $142 $1,842 $154
A5 2.0T Prestige 2-Dr Convertible $384 $816 $472 $28 $142 $1,842 $154
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $384 $912 $400 $24 $120 $1,840 $153
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can raise or lower auto insurance rates substantially.

Physical damage deductibles

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The comparison tables below may help to illustrate the cost difference of buying low and high physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.


Audi A5 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $406 $736 $354 $20 $106 $1,647 $137
A5 2.0T Quattro Premium Plus 2-Dr Coupe $406 $736 $354 $20 $106 $1,647 $137
A5 3.2 Quattro Prestige 2-Dr Coupe $406 $834 $354 $20 $106 $1,745 $145
A5 3.2 Quattro Premium Plus 2-Dr Coupe $406 $834 $354 $20 $106 $1,745 $145
A5 2.0T Quattro Prestige 2-Dr Coupe $406 $834 $354 $20 $106 $1,745 $145
A5 2.0T Premium 2-Dr Convertible $406 $834 $418 $24 $124 $1,831 $153
A5 2.0T Premium Plus 2-Dr Convertible $406 $834 $418 $24 $124 $1,831 $153
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $446 $834 $354 $20 $106 $1,785 $149
A5 2.0T Prestige S-Line 2-Dr Convertible $446 $834 $418 $24 $124 $1,871 $156
A5 2.0T Prestige 2-Dr Convertible $446 $834 $418 $24 $124 $1,871 $156
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $446 $930 $354 $20 $106 $1,881 $157
Get Your Own Custom Quote Go

Audi A5 insurance rates with $1,000 deductibles
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

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in vehicle location which can change prices greatly.

Based on these figures, using a $250 deductible costs approximately $40 more each month or $480 each year than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 19 months between claim filings, you would save money if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $148
Average monthly premium for $1,000 deductibles (subtract): – $108
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that a higher deductible results in having to pay to pay more out-of-pocket if you have a claim. You need to have access to more funds in the event you need to pay the deductible.

The illustration below demonstrates how deductible levels and can raise or lower Audi A5 insurance costs for different insured age categories. The data assumes a married female driver, full coverage, and no discounts are applied to the premium.

Impact of speeding/accidents on auto insurance rates

The chart below illustrates how traffic citations and at-fault collisions can influence Audi A5 auto insurance rates for different insured age categories. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Audi A5 full coverage rates compared to liability only

The chart below visualizes the comparison of Audi A5 insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive formula to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Audi A5 book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $8,000 after the deductible is paid. If you are currently paying more than $800 a year for physical damage coverage, then it might be time to buy liability only.

There are a few cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

Why you need quality insurance for your vehicle

Even though it’s not necessarily cheap to insure an Audi in Jacksonville, insuring your vehicle may be mandatory for several reasons.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. Unknowingly, the average driver overpays as much as $700 annually so shop around every year to help ensure money is not being wasted.

How do Insurance Companies Determine Audi A5 Insurance Premiums?

The best way to find cheaper auto insurance is to take a look at the rating factors that aid in calculating the price you pay for auto insurance. If you understand what impacts premium levels, this helps enable you to make changes that may result in cheaper rates. Many things are used in the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are more obscure like where you live and annual miles driven.

Your insurance coverage should be tailored to you

When buying coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique and your policy should reflect that.Safe vehicles cost less to insure
For example, these questions might help in determining whether you might need professional guidance.

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Do the work, save more money

Lower-priced auto insurance in Jacksonville is possible both online as well as from independent agents in Jacksonville, so get free Jacksonville auto insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies may not offer the ability to get a quote online and these smaller providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

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