Compare Audi Q5 Insurance Rates in Buffalo

  1. Home
  2. >
  3. Buffalo Auto Insurance
  4. >
  5. Audi Q5

Audi Q5 insurance
Audi Q5 insurance image courtesy of

Insurance rates Audi Q5 in BuffaloThe easiest way to get affordable Audi Q5 insurance in Buffalo is to make a habit of regularly comparing prices from different companies in New York. You can compare prices by following these guidelines.

First, try to comprehend how companies price auto insurance and the steps you can take to keep rates low. Many things that increase rates such as tickets, at-fault accidents, and poor credit history can be rectified by making small lifestyle or driving habit changes.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can provide prices for a wide range of insurance providers.

Third, compare the new rate quotes to the price on your current policy and determine if cheaper Q5 coverage is available in Buffalo. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.

A crucial key to this process is that you'll want to compare similar limits and deductibles on each quote request and and to get price quotes from all possible companies. Doing this helps ensure a level playing field and the best rate selection.

We don't have to point out that fact that insurance companies don't want you comparing rates. People who shop around annually are inclined to buy a new policy because the odds are good of finding coverage at a more affordable price. A recent auto insurance study discovered that drivers who make a habit of shopping around saved an average of $850 each year as compared to drivers who never shopped around.

If finding the lowest price for auto insurance is your target objective, understanding how to get rate quotes and compare insurance premiums can help make the process easier and more efficient.

If you are paying for car insurance now, you will surely be able to save money using this information. Locating the best rates in Buffalo is really quite simple as long as you have a good starting point. Although New York vehicle owners must comprehend the methods companies use to sell insurance online because it varies considerably.

The quickest way to compare insurance rates from multiple companies is to realize most insurance companies participate in online systems to quote your coverage. The one thing you need to do is give them rating details including how old drivers are, your occupation, if you lease or own, and whether or not you need a SR-22. That rating data is instantly submitted to many different companies and you will receive price estimates immediately.

To check rates for your car now, click here and find out if you can get cheaper insurance in Buffalo.

The companies shown below have been selected to offer price comparisons in New York. If you want cheap car insurance in New York, it's highly recommended you get price quotes from several of them in order to get a fair rate comparison.

Rate information and statistics

The coverage table displayed below highlights a range of prices for Audi Q5 models. Having a good grasp of how auto insurance premiums are established can help customers make decisions when choosing a new policy provider.

Audi Q5 Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $180 $398 $254 $16 $76 $924 $77
Q5 3.2 Premium Plus AWD $200 $398 $254 $16 $76 $944 $79
Q5 3.2 Premium Plus S-Line AWD $200 $398 $254 $16 $76 $944 $79
Q5 3.2 Prestige AWD $200 $450 $254 $16 $76 $996 $83
Q5 3.2 Prestige S-Line AWD $200 $450 $254 $16 $76 $996 $83
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in Buffalo location which can impact auto insurance rates substantially.

Higher deductibles lower rates

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The premium rates below may help you to understand the rate fluctuation when you choose different physical damage coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Audi Q5 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $258 $558 $264 $16 $80 $1,201 $100
Q5 3.2 Premium Plus AWD $286 $558 $264 $16 $80 $1,229 $102
Q5 3.2 Premium Plus S-Line AWD $286 $558 $264 $16 $80 $1,229 $102
Q5 3.2 Prestige AWD $286 $632 $264 $16 $80 $1,303 $109
Q5 3.2 Prestige S-Line AWD $286 $632 $264 $16 $80 $1,303 $109
Get Your Own Custom Quote Go
Audi Q5 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q5 3.2 Premium AWD $142 $294 $264 $16 $80 $796 $66
Q5 3.2 Premium Plus AWD $158 $294 $264 $16 $80 $812 $68
Q5 3.2 Premium Plus S-Line AWD $158 $294 $264 $16 $80 $812 $68
Q5 3.2 Prestige AWD $158 $332 $264 $16 $80 $850 $71
Q5 3.2 Prestige S-Line AWD $158 $332 $264 $16 $80 $850 $71
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in vehicle garaging location which can affect auto insurance rates greatly.

Based on this data, using a $100 deductible would cost the average driver about $35 more each month or $420 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 26 months between claims, you would more than likely save some money if you decide on a higher deductible.

The illustration below demonstrates how choosing different deductibles and can influence Audi Q5 insurance costs for different age categories. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Responsible drivers pay cheaper Buffalo insurance rates

The chart below shows how violations and at-fault fender-benders can increase Audi Q5 auto insurance rates for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Does it make sense to buy full coverage?

The illustration below illustrates the difference between Audi Q5 insurance costs when comparing full coverage to liability only. The data is based on no violations or claims, $500 deductibles, single status, and no discounts are applied.

When to eliminate full coverage

There is no definitive formula of when to eliminate physical damage insurance, but there is a general convention. If the annual cost of having 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 pretend your Audi Q5 book value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If it's costing in excess of $200 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Protect your Audi vehicle and other assets

Even though it can be expensive, buying insurance is mandatory in New York but it also protects more than you think.

  • Almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance in order to be legal. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Audi Q5, most lenders will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Audi at a much higher premium rate and make you pay for it.
  • Insurance protects not only your Audi Q5 but also your assets. It also can pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Q5 are definitely more than the cost, specifically if you ever have a liability claim. As of last year, the average driver in New York is currently overpaying as much as $700 annually so compare rates once a year at a minimum to help ensure money is not being wasted.

Why You Might Pay Higher Rates in Buffalo

An important part of buying insurance is that you know some of the factors that help determine your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can earn you lower rates.

The following are some of the most rate-impacting factors used by companies to determine prices.

  • How do annual miles impact prices? - The more you drive in a year the more you will pay for car insurance. A lot of insurance companies calculate prices based on their usage. Cars and trucks that do not get driven very much receive lower rates than those that get driven frequently. Incorrect rating for your Q5 may be costing you. It's a good idea to make sure your declarations sheet shows the correct usage.
  • Performance impacts rates - The make and model of the vehicle you are trying to find cheaper insurance for makes a huge difference in the rate you pay. The lowest performance passenger vehicles usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

    The chart below uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Audi Q5 insurance premiums compared to other makes and models that have different performance rating factors.

  • Raising physical damage deductibles lowers costs - Insurance for physical damage, also called 'full coverage', covers your vehicle from damage. A few examples of covered claims are colliding with a building, flood damage, and damage caused by flying debris. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the better rate you will receive.
  • When should you not file car insurance claims? - Insurance companies in New York give better rates to people who are claim-free. If you're an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Policy add-ons could be costing you - There are a ton of optional add-on coverages that can add up if you aren't careful. Coverages like replacement cost coverage, high-cost glass coverage, and Farm Bureau memberships are probably not needed. These coverages may sound good at first, but if you've never needed them in the past consider taking them off your policy.
  • Claims statistics for an Audi Q5 - Insurers factor in historical loss data when setting premium rates. Vehicles that historically have higher claim frequency or loss amount will have higher rates.

    The next table illustrates the compiled insurance loss statistics for Audi Q5 vehicles. For each coverage category, the claim probability for all vehicles, as a total average, is represented as 100. Percentage numbers below 100 suggest losses that are better than average, while values over 100 indicate more frequent claims or a tendency for losses to be larger than average.

    Audi Q5 Insurance Claim Statistics
    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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discounts for lower-cost auto insurance quotes

Car insurance companies don't always list all their discounts in a way that's easy to find, so here is a list a few of the more common and the harder-to-find ways to save on auto insurance.Auto insurance discounts

  • Discounts for New Vehicles - Buying a new car instead of a used Q5 can get you a discount because newer models have to meet stringent safety requirements.
  • Drive Less and Save - Low mileage vehicles could qualify for better premium rates on cars that stay parked.
  • Theft Prevention System - Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Full Payment Discount - By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Air Bags and Passive Restraints - Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
  • E-sign Discounts - Some of the larger companies will discount your bill up to fifty bucks simply for signing over the internet.

We need to note that many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, company stockholders wouldn't be very happy.

The illustration below compares Audi Q5 insurance costs with and without discounts applied to the premium. The data assumes a female driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, multi-car, and claim-free discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts are:

  • State Farm policyholders can earn discounts including defensive driving training, anti-theft, good driver, passive restraint, good student, and multiple policy.
  • Farmers Insurance offers discounts including good student, homeowner, pay in full, electronic funds transfer, teen driver, multi-car, and switch companies.
  • GEICO may have discounts that include membership and employees, multi-policy, emergency military deployment, anti-lock brakes, and multi-vehicle.
  • American Family includes discounts for defensive driver, good driver, multi-vehicle, early bird, and mySafetyValet.
  • Nationwide may offer discounts for Farm Bureau membership, easy pay, family plan, defensive driving, accident-free, good student, and anti-theft.
  • Progressive may include discounts for continuous coverage, multi-vehicle, online quote discount, online signing, and homeowner.

Before purchasing a policy, check with all the companies how many discounts you can get. Some credits might not be offered on policies in Buffalo. To see insurance companies that offer the discounts shown above in Buffalo, follow this link.

Insurance agencies can help

Some consumers just prefer to have an agent's advice and we recommend doing that A nice benefit of comparing rate quotes online is that you can find the lowest rates and still choose a local agent. Buying from neighborhood insurance agencies is definitely important in Buffalo.

Find insurance agent in BuffaloTo help locate an agent, after submitting this short form, your insurance coverage information is emailed to local insurance agents who will give you quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to even leave your home because quoted prices will be sent to your email. You can most likely find cheaper rates AND an agent nearby. If you wish to compare prices from a specific company, you would need to go to their quote page to submit a rate quote request.

Exclusive or Independent: There is a difference

If you need to find a reliable insurance agency, it can be helpful to understand the different types of agents and how they can quote your rates. Auto insurance agents in Buffalo may be either independent (non-exclusive) or exclusive.

Independent Agents

These type of agents are not employed by one company so as a result can place your coverage with lots of companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier which makes it simple for you. If you are comparing auto insurance prices, it's recommended you compare quotes from a couple of independent agencies in order to compare the most rates.

Listed below is a partial list of independent insurance agents in Buffalo that may be able to provide free rate quotes.

85 Pearl St - Buffalo, NY 14202 - (716) 849-3287 - View Map

3814 Seneca St - Buffalo, NY 14224 - (716) 674-1700 - View Map

2521 Niagara Falls Blvd - Buffalo, NY 14228 - (716) 691-4000 - View Map

View more Buffalo agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only provide one company's prices and some examples include Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so they really need to provide good service. They are highly trained on sales techniques which helps them sell on service rather than price.

Below are Buffalo exclusive agents that can give you rate quotes.

3835 McKinley Pkwy #2 - Buffalo, NY 14219 - (716) 604-0345 - View Map

615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460 - View Map

1021 Union Rd - Buffalo, NY 14224 - (716) 674-3654 - View Map

View more Buffalo agents

Picking an insurance agent requires more thought than just a low price. The questions below may impact your decision as well.

  • Do they reduce claim amounts on high mileage vehicles?
  • Does the agency have a current Errors and Omissions policy?
  • Who is covered by the car insurance policy?
  • Is assistance available after office hours?
  • Do they offer accident forgiveness?
  • Do you qualify for any additional discounts?
  • Will the quote change when the policy is issued?
  • How long has their agency been open in Buffalo?

Upon getting satisfactory answers as well as an affordable premium quote, chances are good that you have found a car insurance agent that is professional and can properly insure your vehicles.

Quote more and you will save more

Lower-priced insurance in Buffalo is available on the web as well as from insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer rate quotes online and most of the time these small, regional companies provide coverage only through independent insurance agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at a price you can afford, but don't skip important coverages to save money.

Additional insurance information can be found below: