Insurance rates Audi A5 in HonoluluHaving to pay for pricey insurance in Honolulu can deplete your checking account and force you to tighten up your finances. Price shopping at each renewal is a great way to lower your bills every month.

Unbelievably, the vast majority of insurance customers renewed their policy with the same company for a minimum of four years, and nearly the majority have never compared rates with other companies. With the average insurance premium being $1,000, Hawaii drivers can cut their rates by about $400 a year just by comparing rates, but most tend to underestimate how much savings they would realize if they swap their current policy for a cheaper one. You have multiple insurance companies to purchase coverage from, and although it's nice to have a choice, lots of choices makes it harder to locate the cheapest rates for Audi A5 insurance in Honolulu.

It's important to quote other rates occasionally since insurance prices go up and down regularly. Despite the fact that you may have had the best rates on Audi A5 insurance in Honolulu a few years ago you will most likely find a better premium rate today. There is a lot of bad information regarding A5 insurance on the internet, but I'm going to show you some great ways to buy insurance cheaper in Honolulu.

Low-cost auto insurance in Honolulu, HI

The companies in the list below have been selected to offer free rate quotes in Hawaii. If several companies are displayed, it's a good idea that you compare several of them to find the most competitive auto insurance rates.

Audi A5 Insurance Price Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $200 $426 $292 $18 $88 $1,024 $85
A5 2.0T Quattro Premium Plus 2-Dr Coupe $202 $370 $230 $14 $68 $884 $74
A5 3.2 Quattro Prestige 2-Dr Coupe $278 $618 $230 $14 $68 $1,208 $101
A5 3.2 Quattro Premium Plus 2-Dr Coupe $180 $418 $236 $14 $70 $918 $77
A5 2.0T Quattro Prestige 2-Dr Coupe $122 $276 $212 $12 $64 $686 $57
A5 2.0T Premium 2-Dr Convertible $176 $410 $358 $22 $106 $1,072 $89
A5 2.0T Premium Plus 2-Dr Convertible $136 $326 $300 $18 $90 $870 $73
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $306 $618 $230 $14 $68 $1,236 $103
A5 2.0T Prestige S-Line 2-Dr Convertible $180 $362 $254 $16 $76 $888 $74
A5 2.0T Prestige 2-Dr Convertible $222 $482 $344 $20 $104 $1,172 $98
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $136 $316 $216 $12 $64 $744 $62
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can alter coverage prices significantly.

Audi A5 liability-only versus full coverage

The information below shows the difference between Audi A5 insurance costs with full coverage compared to only the Hawaii minimum liability coverage. The price estimates are based on no claims or violations, $100 deductibles, single male driver, and no discounts are factored in.

When to switch to liability coverage only

There is no written rule for phasing out full coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Audi A5 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after the deductible is paid. If you are currently paying more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not a good plan. If you haven't paid off your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Deductible analysis

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The tables below approximate the rate differences when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Audi A5 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
A5 2.0T Quattro Premium Plus 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
A5 3.2 Quattro Prestige 2-Dr Coupe $286 $632 $226 $14 $68 $1,251 $104
A5 3.2 Quattro Premium Plus 2-Dr Coupe $286 $632 $226 $14 $68 $1,251 $104
A5 2.0T Quattro Prestige 2-Dr Coupe $286 $632 $226 $14 $68 $1,251 $104
A5 2.0T Premium 2-Dr Convertible $286 $632 $264 $16 $80 $1,303 $109
A5 2.0T Premium Plus 2-Dr Convertible $286 $632 $264 $16 $80 $1,303 $109
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $316 $632 $226 $14 $68 $1,281 $107
A5 2.0T Prestige S-Line 2-Dr Convertible $316 $632 $264 $16 $80 $1,333 $111
A5 2.0T Prestige 2-Dr Convertible $316 $632 $264 $16 $80 $1,333 $111
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $316 $704 $226 $14 $68 $1,353 $113
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Audi A5 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A5 2.0T Quattro Premium 2-Dr Coupe $158 $294 $226 $14 $68 $760 $63
A5 2.0T Quattro Premium Plus 2-Dr Coupe $158 $294 $226 $14 $68 $760 $63
A5 3.2 Quattro Prestige 2-Dr Coupe $158 $332 $226 $14 $68 $798 $67
A5 3.2 Quattro Premium Plus 2-Dr Coupe $158 $332 $226 $14 $68 $798 $67
A5 2.0T Quattro Prestige 2-Dr Coupe $158 $332 $226 $14 $68 $798 $67
A5 2.0T Premium 2-Dr Convertible $158 $332 $264 $16 $80 $850 $71
A5 2.0T Premium Plus 2-Dr Convertible $158 $332 $264 $16 $80 $850 $71
A5 2.0T Quattro Prestige S-Line 2-Dr Coupe $176 $332 $226 $14 $68 $816 $68
A5 2.0T Prestige S-Line 2-Dr Convertible $176 $332 $264 $16 $80 $868 $72
A5 2.0T Prestige 2-Dr Convertible $176 $332 $264 $16 $80 $868 $72
A5 3.2 Quattro Prestige S-Line 2-Dr Coupe $176 $372 $226 $14 $68 $856 $71
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates substantially.

Based on this data, using a $100 deductible will cost in the ballpark of $38 more each month or $456 annually than quoting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 24 months between claims, you would probably save some money if you decide on a higher deductible.

Auto insurance policy discounts for Audi A5 insurance in Honolulu

Auto insurance is neither fun to buy or cheap, but there could be available discounts to cut the cost considerably. Many discounts should be triggered at quote time, but some need to be asked about in order for you to get them.Auto insurance discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.

Companies that may include these discounts include:

If you need lower rates, check with each company which credits you are entitled to. A few discounts might not be offered in your state. To find insurance companies that offer the discounts shown above in Hawaii, follow this link.

Get rate quotes but buy from a local Honolulu insurance agent

Certain consumers just want to sit down with an agent and that is just fine! Professional agents can make sure you are properly covered and help in the event of a claim. An additional benefit of comparing rates online is you can get lower rates and still have an agent to talk to.

Find insurance agent in HonoluluBy using this short form, the quote information is sent to agents in your area that provide free Honolulu car insurance quotes for your insurance coverage. You never need to contact any insurance agencies because quoted prices will be sent to you directly. If for some reason you want to get a rate quote from a specific car insurance provider, you can always visit that company's website and give them your coverage information.

Selecting an insurer should include more criteria than just the premium amount. A good agent in Honolulu will have answers to these questions.

Once you have good feedback to any questions you may have as well as a affordable price, you've probably found an insurer that is professional and can properly insure your vehicles. But remember, you can always cancel coverage at any time so don't think that you are obligated to any particular company for the full term.

Auto insurance is unique, just like you

Always keep in mind that when comparing adequate coverage, there really is no "best" method to buy coverage. You are unique and your policy should reflect that.Higher deductibles save money For example, these questions may help highlight whether or not you would benefit from professional advice.

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Auto insurance coverage considerations

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive auto coverage - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, falling objects, fire damage, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Auto liability - Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 20/40/10 which means a $20,000 limit per person for injuries, $40,000 for the entire accident, and property damage coverage for $10,000.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase as much as you can afford. Hawaii state law requires minimum liability limits of 20/40/10 but it's recommended drivers buy more coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage - This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Audi A5.

Since a lot of drivers carry very low liability coverage limits (20/40/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision - This will pay to fix damage to your A5 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It's also possible to increase the deductible on your A5 to save money on collision insurance.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like hospital visits, dental work, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

The best insurance company isn't always the cheapest

As you quote Honolulu car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and learned later that it was a big error on their part. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

Budget-friendly car insurance in Honolulu is definitely available online and also from your neighborhood Honolulu agents, so you need to quote Honolulu car insurance with both in order to have the best chance of saving money. Some car insurance companies may not have online quoting and most of the time these small, regional companies only sell through independent agencies.

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