Cheapest Insurance for an Audi Q5 in Honolulu

It’s a known fact that auto insurance companies don’t want you quoting rates from other companies. Consumers who compare rates annually are very likely to switch to a new company because they stand a good chance of finding a policy with more affordable rates. A recent study showed that people who compared rates once a year saved approximately $70 a month as compared to drivers who didn’t regularly shop around.

If finding the lowest price for Audi Q5 insurance is the reason for your visit, then having some knowledge of how to shop and compare insurance premiums can save time and make the process easier.

Insurance quote for Audi Q5 in HonoluluReally, the only way to find affordable car insurance rates in Honolulu is to compare prices annually from insurance carriers in Hawaii. Prices can be compared by following these steps.

An important note is to use the same deductibles and limits on each price quote and and to get price quotes from as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and the best price selection.

Locating the best rates in Honolulu can be made easier if you know where to look. If you have coverage now, you will surely be able to reduce premiums using the ideas covered in this article. Smart buyers just need to know the most effective way to shop from many companies at once.

The best way we recommend to compare rate quotes for Audi Q5 insurance in Honolulu is to realize car insurance companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is give them rating details such as if the vehicle is leased, level of coverage desired, whether or not you need a SR-22, and how old drivers are. That rating information is sent automatically to multiple top-rated companies and you will get price comparisons instantly to find the best rate.

To start a quote now, click here and complete the form.

The companies in the list below have been selected to offer comparison quotes in Honolulu, HI. If the list has multiple companies, we recommend you visit as many as you can to get a more complete price comparison.

Three reasons to insure your Audi Q5

Even though it’s not necessarily cheap to insure an Audi in Honolulu, insuring your vehicle is required for several reasons.

The benefits of insuring your Q5 outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.

Audi Q5 insurance coverage information

The data table displayed next covers estimates of insurance premium costs for Audi Q5 models. Having knowledge of how car insurance prices are formulated can be useful when making decisions on which insurance to purchase.

Audi Q5 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $184 $434 $320 $18 $96 $1,052 $88
Q5 3.2 Premium Plus AWD $204 $434 $320 $18 $96 $1,072 $89
Q5 3.2 Premium Plus S-Line AWD $204 $434 $320 $18 $96 $1,072 $89
Q5 3.2 Prestige AWD $204 $490 $320 $18 $96 $1,128 $94
Q5 3.2 Prestige S-Line AWD $204 $490 $320 $18 $96 $1,128 $94
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can impact prices considerably.

The illustration below highlights how deductible selection and can affect Audi Q5 insurance costs for each different age group. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Difference between full coverage and liability only rates

The diagram below shows the difference between Audi Q5 annual premium costs with and without full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied.

Guidelines for eliminating full coverage

There isn’t a steadfast formula of when to phase out full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Audi Q5 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Slash your car insurance rates with discounts

Car insurance companies don’t list the entire discount list in a way that’s easy to find, so the following list contains some of the best known and the harder-to-find credits available to you.Cheaper car insurance with discounts

Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

The diagram below illustrates the comparison of Audi Q5 insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no claims, a clean driving record, Hawaii state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.

To find insurance companies that offer some of these discounts in Honolulu, click here.