Locating the cheapest insurance for your Audi Q5 in Missouri can normally be a painful process, but you can learn a few tricks to save time.
There are more efficient ways to shop for auto insurance so you’re going to learn the absolute fastest way to price shop coverage for a new or used Audi and find the cheapest rates from both online companies and Kansas City agents.
You should take the time to compare premium rates yearly because prices change quite often. Despite the fact that you may have had the best rate on Audi Q5 insurance in Kansas City a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re going to learn how to use the internet to lower your annual insurance bill.
If you have a current insurance policy or are looking for a new policy, you can use this information to find better prices while maximizing coverage. Quoting and comparing rates for the best-priced insurance policy in Kansas City is not as difficult as people think. You just need to know the quickest way to shop for insurance on the web.
Companies offering Audi Q5 insurance in Missouri
The companies shown below can provide quotes in Kansas City, MO. If you want to find the best auto insurance in Missouri, it’s a good idea that you click on several of them to get the best price comparison.
Premium rates and analysis
The table shown below outlines estimates of rate quotes for Audi Q5 models. Being more informed about how insurance premiums are figured can help drivers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $200 | $462 | $302 | $18 | $90 | $1,072 | $89 |
| Q5 3.2 Premium Plus AWD | $222 | $462 | $302 | $18 | $90 | $1,094 | $91 |
| Q5 3.2 Premium Plus S-Line AWD | $222 | $462 | $302 | $18 | $90 | $1,094 | $91 |
| Q5 3.2 Prestige AWD | $222 | $522 | $302 | $18 | $90 | $1,154 | $96 |
| Q5 3.2 Prestige S-Line AWD | $222 | $522 | $302 | $18 | $90 | $1,154 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific Kansas City garaging location which can raise or lower coverage rates greatly.
An analysis of deductible level
When buying car insurance, a common question is at what level do you set your deductibles. The following tables determine the costs and benefits when you buy lower versus higher policy deductibles. The first data set uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $258 | $562 | $266 | $16 | $80 | $1,207 | $101 |
| Q5 3.2 Premium Plus AWD | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| Q5 3.2 Premium Plus S-Line AWD | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| Q5 3.2 Prestige AWD | $288 | $636 | $266 | $16 | $80 | $1,311 | $109 |
| Q5 3.2 Prestige S-Line AWD | $288 | $636 | $266 | $16 | $80 | $1,311 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q5 3.2 Premium AWD | $144 | $296 | $266 | $16 | $80 | $802 | $67 |
| Q5 3.2 Premium Plus AWD | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| Q5 3.2 Premium Plus S-Line AWD | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| Q5 3.2 Prestige AWD | $160 | $334 | $266 | $16 | $80 | $856 | $71 |
| Q5 3.2 Prestige S-Line AWD | $160 | $334 | $266 | $16 | $80 | $856 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location which can modify price quotes considerably.
Based on the figures above, using a $100 deductible costs roughly $36 more each month or $432 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 25 months between claims, you would more than likely save some money by going with a higher deductible. Here is the way this decision is made.
| Average monthly premium for $100 deductibles: | $105 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Audi Q5 auto insurance costs with and without full coverage. Data assumes a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a written rule for eliminating full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Audi Q5 replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying your deductible. If premium cost is more than $800 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some situations where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you have to maintain 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 totaled, you should not eliminate full coverage.
Insurance policy discounts for Audi Q5 insurance in Kansas City
Insurance is not an enjoyable expense, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few must be specifically requested in order for you to get them. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Senior Citizen Rates – Older drivers may qualify for a small discount on rates.
- Good Student – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
- Telematics Devices – Drivers that enable their insurance company to track driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
- Low Mileage – Keeping the miles down on your Audi may enable drivers to earn cheaper rates.
- Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Anti-theft Discount – Cars and trucks with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Pay Early and Save – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
You can save money using discounts, but most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The illustration below compares Audi Q5 insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or claims, Missouri 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 marriage, multi-policy, claim-free, safe-driver, multi-car, and homeowner discounts applied.
Insurance companies that possibly offer some of the discounts shown above include:
If you want the cheapest Audi Q5 rate quotes, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in Kansas City. If you would like to see a list of providers that offer multiple discounts in Kansas City, click here to view.
How Insurance Companies Determine Audi Q5 Insurance Costs
An important part of buying insurance is that you know the different types of things that aid in calculating your car insurance rates. If you have a feel for what impacts premium levels, this enables you to make decisions that could help you find lower car insurance prices. Multiple criteria are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent like your vehicle usage or how financially stable you are.
The factors shown below are some of the items used by insurance companies to determine your rate level.
Defend yourself with liability insurance – A critical coverage on your policy, liability insurance will afford coverage when you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
Responsible drivers pay less – Your driving citation history has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than bad drivers. Just one speeding ticket can boost insurance rates substantially. Drivers who have received careless citations like DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent their license from being revoked.
The illustration below highlights how speeding tickets and accident claims influence Audi Q5 insurance costs for each age group. The data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Stressful occupation may mean higher rates – Occupations such as lawyers, social workers, and accountants generally pay the highest average rates attributed to stressful work requirements and lots of time spent away from family. On the other hand, careers like scientists, historians and retirees pay lower than average rates.
You might pay more if you are single – Your spouse may earn you lower rates on your car insurance bill. Marriage is viewed as being more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
Teenagers vs. older drivers – Older, more experienced drivers are more cautious drivers, are lower risk to insure, and receive fewer citations. Young drivers are statistically shown to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher.
The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Insurance loss probability for an Audi Q5 – Car insurance companies analyze claim trends for every vehicle when setting rates for each model. Vehicles that the data shows to have higher claim frequency or loss amount will have higher rates.
The data below shows the loss history for Audi Q5 vehicles. For each coverage category, the claim amount for all vehicles, as an average, is considered to be 100. Values under 100 mean the vehicle has better than average losses, while numbers above 100 point to more claims or an increased chance of larger losses than average.
| 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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
When to contact an insurance agent
Some people still like to sit down with an agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and help you file claims. The best thing about comparing insurance online is you can get the lowest rates and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Kansas City.
To find an agent, once you fill out this short form, your coverage information is sent to local insurance agents in Kansas City who can give free rate quotes to get your business. You won’t even need to drive around due to the fact that quote results will go to your email. If you need to compare prices from a specific insurance company, feel free to find their quoting web page and submit a quote form there.
If you want to buy insurance from a good Kansas City insurance agent, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Agents in Kansas City may be either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but it’s worth mentioning how they are different since it may influence the selection process.
Independent Insurance Agencies or Brokers
Agents that elect to be independent are appointed with more than one company so they can insure your vehicles through many companies and help determine which has the cheapest rates. If you want to switch companies, the agent simply finds a different carrier which is easy for the insured.
When searching for an agent, you absolutely need to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare. Many independent agencies also insure through small mutual carriers which can be an advantage.
Featured below is a small list of independent agencies in Kansas City that can possibly get you price quote information.
- Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map - Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map - Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Exclusive Insurance Agents
These type of agents can only provide one company’s prices and examples are State Farm or Allstate. These agents are unable to provide prices from multiple companies so they really need to provide good service. These agents are trained well on the products they sell which can be an advantage. Some insured continue to buy insurance from these agents primarily because of the prominent brand name rather than low rates.
The following are Kansas City exclusive insurance agents willing to provide rate quotes.
- George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055 – View Map - Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map - Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443 – View Map
Selecting a insurance agency should depend on more than just the premium amount. Some important questions to ask are:
- Is the agency covered by Errors and Omissions coverage?
- Will the agent help in case of a claim?
- Can you get a list of referrals?
- Do they specialize in personal lines auto insurance in Kansas City?
- How would your car be valued if totaled?
- What insurance companies do they work with in Kansas City?
- Are there any discounts that you might be missing?
- How much experience to they have in personal lines coverages?
Quote more to save more
We’ve covered a lot of techniques to shop for Audi Q5 insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost Kansas City auto insurance quotes. You may even discover the lowest car insurance rates are with some of the lesser-known companies.
Drivers change insurance companies for a variety of reasons including delays in paying claims, policy non-renewal, questionable increases in premium or lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.
While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost while still protecting your assets.
How to save on Audi Q5 insurance in Kansas City
The best way to get low-cost Audi Q5 insurance is to compare quotes once a year from different companies in Kansas City. You can compare prices by following these steps.
Step 1: Get an understanding of the different coverages in a policy and the things you can control to prevent rate increases. Many rating criteria that cause high rates such as careless driving and an unacceptable credit history can be remedied by being financially responsible and driving safely.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can provide price quotes for many different companies.
Step 3: Compare the quotes to your current policy and determine if there is any savings. If you find better rates, verify that coverage does not lapse between policies.
Step 4: Notify your current company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application for the new coverage. As soon as you receive it, place the new certificate of insurance in your vehicle.
One key aspect when comparing rates is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get quotes from as many different insurance providers as possible. This ensures an apples-to-apples comparison and the best price selection.
More learning opportunities
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Kansas City? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 19 Year Olds in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Postal Workers in Kansas City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Corolla in Kansas City? (FAQ)
- Who Has Cheap Kansas City Auto Insurance for Uber Drivers? (FAQ)
- Teen Driving and Texting (State Farm)
- Determining Auto Insurance Rates (GEICO)
- Avoiding Deer Collisions (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)