Do you want to learn how to find the cheapest Audi A5 insurance in Miami? Searching for low-cost insurance for a new or used Audi A5 in Florida can normally be difficult, but you can learn the following methods to save time. There are more efficient ways to find car insurance online so we’re going to tell you the proper way to compare rates on a Audi and locate the best price possible from both online companies and Miami agents.
Buying the cheapest auto insurance in Miami can really be easy if you know what you’re doing. If you’re already insured or are looking for a new policy, you can use these tips to find better prices without reducing protection. Smart shoppers only need to know the most efficient way to shop for auto insurance online.
Best Audi A5 insurance prices in Florida
The auto insurance companies shown below can provide free rate quotes in Miami, FL. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.
Insurance coverage details
The data table displayed next outlines different rate quotes for Audi A5 models. Having insight into how insurance policy premiums are determined is important for you to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $278 | $570 | $478 | $28 | $144 | $1,498 | $125 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $278 | $570 | $478 | $28 | $144 | $1,498 | $125 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $278 | $644 | $478 | $28 | $144 | $1,572 | $131 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $278 | $644 | $478 | $28 | $144 | $1,572 | $131 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $278 | $644 | $478 | $28 | $144 | $1,572 | $131 |
| A5 2.0T Premium 2-Dr Convertible | $278 | $644 | $564 | $34 | $168 | $1,688 | $141 |
| A5 2.0T Premium Plus 2-Dr Convertible | $278 | $644 | $564 | $34 | $168 | $1,688 | $141 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $306 | $644 | $478 | $28 | $144 | $1,600 | $133 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $306 | $644 | $564 | $34 | $168 | $1,716 | $143 |
| A5 2.0T Prestige 2-Dr Convertible | $306 | $644 | $564 | $34 | $168 | $1,716 | $143 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $306 | $720 | $478 | $28 | $144 | $1,676 | $140 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in specific location information which can lower or raise insurance rates significantly.
Deductible comparison
When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The tables below can help show the costs and benefits between low and high physical damage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second pricing table uses a $500 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 | $330 | $594 | $354 | $20 | $106 | $1,404 | $117 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $330 | $594 | $354 | $20 | $106 | $1,404 | $117 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| A5 2.0T Premium 2-Dr Convertible | $330 | $672 | $418 | $24 | $124 | $1,568 | $131 |
| A5 2.0T Premium Plus 2-Dr Convertible | $330 | $672 | $418 | $24 | $124 | $1,568 | $131 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $364 | $672 | $354 | $20 | $106 | $1,516 | $126 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $364 | $672 | $418 | $24 | $124 | $1,602 | $134 |
| A5 2.0T Prestige 2-Dr Convertible | $364 | $672 | $418 | $24 | $124 | $1,602 | $134 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $364 | $750 | $354 | $20 | $106 | $1,594 | $133 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can change premium rates noticeably.
Based on the above data, using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually across all Audi A5 models than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 10 months between claim filings, you would probably be better off if you choose the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $166 |
| Average monthly premium for $500 deductibles (subtract): | – $127 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
The example below shows how choosing a deductible and can impact Audi A5 insurance premiums for each different age group. The premiums assume a single male driver, comp and collision included, and no discounts are applied to the premium.
How careless driving impacts insurance rates
The diagram below illustrates how traffic citations and at-fault accidents can influence Audi A5 insurance prices for different ages of insureds. The data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Men versus women drivers and insurance cost
The illustration below visualizes the comparison of Audi A5 premium costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Get cheaper Audi A5 insurance rates in Miami
Insurance is easily one of your largest bills, but you can get discounts that can drop the cost substantially. Some of these discounts will be visible when you purchase, but lesser-known reductions have to be requested specifically before being credited.
- Good Student – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- Discount for Low Mileage – Fewer annual miles on your Audi may allow you to get better prices on cars that stay parked.
- Full Payment Discount – By making one initial payment rather than paying monthly you can avoid the installment charge.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so you can save 10 percent or more.
- Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
- Federal Government Employee – Having worked for a branch of the government can save as much as 8% with select insurance companies.
You should keep in mind that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.
The chart below visualizes the comparison of Audi A5 insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or driving citations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.
To view providers with discount rates in Miami, click this link.
Get Cheap Insurance Costs by Understanding These Factors
Many things are used when you get your auto insurance bill. Some are pretty understandable such as your driving history, although others are less apparent such as your marital status or your vehicle rating.
Stress out and pay more – Jobs like fire fighters, architects, and dentists tend to have higher average rates due to high stress and incredibly demanding work hours. Conversely, careers like actors, students and the unemployed have the lowest average rates.
Deter vehicle theft – Owning a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
Annual mileage and car insurance rates – The more you drive your Audi in a year the more you will pay for car insurance. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks that have low annual miles cost less to insure compared to those used for work or business. Make sure your policy correctly shows the right rating data, because it can save money. Improper usage on your A5 can result in significantly higher rates.
Get better rates if you’re married – Your spouse may save some money when buying car insurance. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
Audi A5 statistical loss data – Insurance companies study historical loss data to help set a rate to offset losses. Models that statistically have higher loss trends will cost more to insure. The next table shows the historical insurance loss data for Audi A5 vehicles.
For each type of coverage, the claim amount for all vehicles combined as an average is equal to 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi A5 2dr 4WD | 196 | 92 | 140 | 73 | 83 | 100 |
| Audi A5 Convertible 4WD | 147 | 73 | 140 | 56 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Which policy gives me the best coverage?
When quoting and comparing your policy for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.
- How do I insure my teen driver?
- What is glass protection for?
- Who does medical payments coverage extend to?
- Can my babysitter drive my car?
- Do I need PIP (personal injury protection) coverage in Florida?
- What does UM/UIM cover?
- Is my camper covered by my car insurance policy?
- When should I not file a claim?
- Should I have combined single limit or split liability limits?
- When would I need rental car insurance?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Insurance agencies can help
Many people just want to buy from a local agent and that can be a smart move Good agents are trained risk managers and help in the event of a claim. One of the great benefits of comparing rates online is that drivers can save money and get the best rates but still work with a licensed agent.
Once you complete this form (opens in new window), your insurance data gets sent to companies in Miami who will give you bids for your business. It simplifies rate comparisons since you won’t have to even leave your home because prices are sent straight to your inbox. If you wish to compare prices from a specific insurance company, you just need to jump over to their website and submit a quote form there.
Finding the right provider shouldn’t rely on just the price. Here are some questions you might want to ask.
- Can glass repairs be made at your home?
- Are claim adjusters local or do you have to take your car somewhere else?
- If you have an accident, will your rates go up?
- Do you work with a CSR or direct with the agent?
- Is working in the agency their full-time job?
- Is the agent CPCU or CIC certified?
- Do they have cheaper tiers of coverage?
- How is replacement cost determined on your vehicle?
Miami auto insurance agents come in two flavors
When looking for a local insurance agency, it can be helpful to understand the different agency structures and how they are distinctly different. Agents in Miami can be categorized as either exclusive agents or independent agents. Both types of agents can provide auto insurance policies, but it’s worth learning the subtle differences because it can factor into buying decisions.
Exclusive Agencies
Agents of this type write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare other company’s rates so it’s a take it or leave it situation. They are trained well on sales techniques which helps them sell on service rather than price. Some people will only buy from the same agent for years partially due to the prominent brand name and solid financial strength.
Below is a short list of exclusive agents in Miami willing to provide rate quotes.
- Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map - State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 – View Map - Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Independent Insurance Agents
Independent insurance agents can quote rates with many companies so they have the ability to put coverage amongst many companies and get you the best rates possible. If prices rise, your policy is moved internally without you having to go to a different agency. If you are comparing auto insurance prices, you will want to get insurance quotes from a couple of independent agencies in order to compare the most rates. Most have the option of insuring with small regional insurance companies that may have much lower rates than larger companies.
Shown below are Miami independent insurance agencies that can give you rate quotes.
- Exclusive Insurance Agency Inc.
7175 SW 8th St #203 – Miami, FL 33144 – (305) 263-4855 – View Map - Insurecentro (Insurance Agency)
1701 W Flagler St #220 – Miami, FL 33135 – (305) 302-2236 – View Map - Leading Insurance Agency
1733 SW 22nd St – Miami, FL 33145 – (305) 857-0075 – View Map
Miami car insurance company ratings
Choosing the best insurance provider can be difficult considering how many companies sell coverage in Florida. The company rank data in the lists below could help you choose which insurers to look at shopping your coverage with.
Top 10 Miami Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Affordable insurance rates are available
When searching for affordable Miami auto insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Some insurance companies don’t offer price quotes online and usually these smaller companies work with independent agents. Cheaper insurance in Miami can be bought both online and also from your neighborhood Miami agents, and you should compare rates from both to have the best selection.
We just covered some good ideas how you can get a better price on Audi A5 insurance in Miami. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper Miami auto insurance quotes. Consumers could even find that the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.
Steps to finding better rates for Audi A5 insurance in Miami
Really, the only way to get affordable auto insurance rates is to start doing a yearly price comparison from insurance carriers who provide car insurance in Miami.
- Try to learn a little about how insurance works and the modifications you can make to keep rates low. Many policy risk factors that result in higher rates such as your driving record and a lousy credit rating can be improved by making minor changes to your lifestyle.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the price quotes to your current policy premium to see if a cheaper price is available in Miami. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
- Notify your company or agent of your intention to cancel your current coverage and submit a completed application and payment for the new policy. Don’t forget to place the new certificate of insurance in an accessible location in your vehicle.
A key point to remember is to make sure you enter the same physical damage deductibles and liability limits on each price quote and and to get prices from as many companies as you can. This guarantees the most accurate price comparison and maximum price selection.
Much more information about insurance in Florida can be read at the links below
- Rental Reimbursement Coverage (Allstate)
- Who Has Cheap Car Insurance Rates for a Ford Fusion in Miami? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Auto Insurance FAQ (Farmers Insurance)
- How to Avoid Common Accidents (State Farm)