If online insurance comparisons are new to you, chances are good that you are overwhelmed because of the huge number of online insurance companies and websites all offering big savings in Charlotte.
Shocking but true, most North Carolina insurance customers have bought insurance from the same company for at least the last four years, and 38% of customers have never shopped around. With the average insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year just by getting comparison quotes, but they don’t know how much money they would save if they switch to a new company.
The quickest way to compare car insurance company rates for Audi Q5 insurance in Charlotte is to understand auto insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is give them some information including how your vehicles are used, how much education you have, how much you drive, and level of coverage desired. That rating information is sent automatically to all major companies and they return cost estimate within a short period of time.
To start a quote now, click here and complete the quick form.
The companies shown below have been selected to offer price comparisons in North Carolina. To get cheap car insurance in North Carolina, it’s a good idea that you get prices from several of them to find the lowest auto insurance rates.
Coverage statistics and figures
The premium table displayed below showcases estimates of prices for Audi Q5 models. Understanding how rate quotes are determined helps drivers make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Q5 3.2 Premium AWD||$212||$506||$302||$18||$90||$1,128||$94|
|Q5 3.2 Premium Plus AWD||$238||$506||$302||$18||$90||$1,154||$96|
|Q5 3.2 Premium Plus S-Line AWD||$238||$506||$302||$18||$90||$1,154||$96|
|Q5 3.2 Prestige AWD||$238||$572||$302||$18||$90||$1,220||$102|
|Q5 3.2 Prestige S-Line AWD||$238||$572||$302||$18||$90||$1,220||$102|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can revise prices greatly.
The diagram below illustrates how your deductible choice and can affect Audi Q5 yearly insurance costs for different insured age categories. The information is based on a married male driver, full coverage, and no discounts are applied.
Age-based car insurance rates by gender in Charlotte
The example below illustrates the difference between Audi Q5 insurance prices for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.
Rate difference between full and liability-only coverage
The illustration below visualizes the comparison of Audi Q5 premium costs with and without physical damage coverage. The rate quotes are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are factored in.
When to stop paying for full coverage
There is no set guideline to stop buying full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Audi Q5 settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying your deductible. If you are paying in excess of $400 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where buying only liability insurance is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Exclusive versus independent insurance agencies
Many people still like to have an agent’s advice and we recommend doing that An additional benefit of getting online price quotes is that drivers can save money and get better rates and still have a local agent.
Upon completion of this short form, your coverage information is submitted to local insurance agents in Charlotte who will give competitive quotes for your business. There is no need to find an agent since rate quotes are delivered immediately to your email address. You’ll get the best rates and work with a local agent. If you want to get a rate quote from a particular provider, you just need to jump over to their website and give them your coverage information.
Finding a good company should include more criteria than just the premium amount. Any agent in Charlotte should be willing to answer these questions.
- Are all drivers listed on the coverage quote?
- Is auto insurance their primary focus in Charlotte?
- Are they involved in claim handling?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they get extra compensation for selling add-on coverages?
- Are they full-time agents?
- Can glass repairs be made at your home?
- Are there any discounts that you might be missing?
If you are wanting to find a reputable agency, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Car insurance policy providers may be either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agents can only place business with one company like AAA, Allstate, and State Farm. Exclusive agents cannot place coverage with different providers so always compare other rates. They are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Consumers often buy from the same agent for years mainly due to the prominence of the brand rather than low price.
Below are exclusive insurance agencies in Charlotte that can give you comparison quotes.
- AAA Carolinas
6600 A A A Dr – Charlotte, NC 28212 – (704) 569-3600 – View Map
- Michael Grant – State Farm Insurance Agent
1727 East Blvd – Charlotte, NC 28203 – (704) 373-7444 – View Map
- Gary Kochman – State Farm Insurance Agent
9539 Idlewild Rd – Charlotte, NC 28227 – (704) 545-4422 – View Map
Independent Insurance Agents
Agents in the independent channel do not have single company limitations so they can quote policies with any number of different companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company which requires no work on your part. When shopping rates, you absolutely need to get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most also write with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Shown below is a list of independent insurance agents in Charlotte willing to provide comparison quotes.
- A1 Insurance
537 W Sugar Creek Rd # 104B – Charlotte, NC 28213 – (704) 598-4442 – View Map
- All Points Insurance Agencies
5618 Albemarle Rd # 200 – Charlotte, NC 28212 – (980) 221-9468 – View Map
- Swimmer Insurance Agency
725 Providence Rd #100 – Charlotte, NC 28207 – (704) 333-6694 – View Map