The easiest way to find the cheapest price for car insurance rates in Boston is to regularly compare price quotes from providers who sell insurance in Massachusetts.
- Step 1: Spend some time learning about what coverages are included in your policy and the measures you can take to lower rates. Many risk factors that increase rates such as tickets, at-fault accidents, and an unacceptable credit rating can be eliminated by improving your driving habits or financial responsibility.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide prices for a wide range of insurance providers. View companies
- Step 3: Compare the new rate quotes to your current policy premium to see if cheaper A5 coverage is available in Boston. If you can save some money and change companies, verify that coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intent to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new company or agent. Don’t forget to store the certificate of insurance in your glove compartment.
A key point to remember is that you’ll want to compare identical coverages on each quote and and to get rates from all possible companies. Doing this ensures an accurate price comparison and the best price selection.
Sad but true, the vast majority of Massachusetts insurance customers renewed their policy with the same company for at least four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. With the average premium in America being $1,847, drivers can cut their rates by roughly $859 a year by just shopping around, but they don’t understand how simple it is to find lower-cost rates by getting comparison quotes.
If you are insured now or just want a better rate, you can use these techniques to get lower rates without having to cut coverage. Comparison shopping for affordable insurance policy in Boston is not as confusing as people think. Consumers just have to learn the most effective way to compare price quotes from many different companies online.
Many insurance companies like GEICO, State Farm and Progressive provide coverage prices directly from their websites. Getting online quotes for Audi A5 insurance in Boston is pretty painless because it’s just a matter of typing in your coverage information into the quote form. Behind the scenes, their rating system collects credit information and your driving record and generates pricing information based on these and other factors.
The ability to get online price quotes for Audi A5 insurance in Boston simplifies rate comparisons, and it’s also necessary to have as many quotes as possible in order to get the most affordable premium on car insurance.
To find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend that you enter deductibles and limits just like they are on your policy. This guarantees you will receive comparison quotes for similar coverage.
The companies shown below offer price comparisons in Massachusetts. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
Rates and detailed analysis
The data table displayed below outlines detailed analysis of insurance coverage prices for Audi A5 models. Learning as much as possible about how policy rates are determined is important for drivers to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $228 | $490 | $322 | $18 | $96 | $1,154 | $96 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $228 | $490 | $322 | $18 | $96 | $1,154 | $96 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $228 | $554 | $322 | $18 | $96 | $1,218 | $102 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $228 | $554 | $322 | $18 | $96 | $1,218 | $102 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $228 | $554 | $322 | $18 | $96 | $1,218 | $102 |
| A5 2.0T Premium 2-Dr Convertible | $228 | $554 | $378 | $22 | $114 | $1,296 | $108 |
| A5 2.0T Premium Plus 2-Dr Convertible | $228 | $554 | $378 | $22 | $114 | $1,296 | $108 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $250 | $554 | $322 | $18 | $96 | $1,240 | $103 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $250 | $554 | $378 | $22 | $114 | $1,318 | $110 |
| A5 2.0T Prestige 2-Dr Convertible | $250 | $554 | $378 | $22 | $114 | $1,318 | $110 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $250 | $620 | $322 | $18 | $96 | $1,306 | $109 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in zip code location which can change coverage rates substantially.
Can higher deductibles save money?
One frequently asked question is which deductibles should you choose. The comparison tables below can help you visualize how much more rates are when you select higher and lower coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A5 2.0T Quattro Premium 2-Dr Coupe | $362 | $704 | $284 | $16 | $86 | $1,477 | $123 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $362 | $704 | $284 | $16 | $86 | $1,477 | $123 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $362 | $798 | $284 | $16 | $86 | $1,571 | $131 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $362 | $798 | $284 | $16 | $86 | $1,571 | $131 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $362 | $798 | $284 | $16 | $86 | $1,571 | $131 |
| A5 2.0T Premium 2-Dr Convertible | $362 | $798 | $334 | $20 | $100 | $1,639 | $137 |
| A5 2.0T Premium Plus 2-Dr Convertible | $362 | $798 | $334 | $20 | $100 | $1,639 | $137 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $398 | $798 | $284 | $16 | $86 | $1,607 | $134 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| A5 2.0T Prestige 2-Dr Convertible | $398 | $798 | $334 | $20 | $100 | $1,675 | $140 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $398 | $890 | $284 | $16 | $86 | $1,699 | $142 |
| 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 | $264 | $476 | $284 | $16 | $86 | $1,126 | $94 |
| A5 2.0T Quattro Premium Plus 2-Dr Coupe | $264 | $476 | $284 | $16 | $86 | $1,126 | $94 |
| A5 3.2 Quattro Prestige 2-Dr Coupe | $264 | $538 | $284 | $16 | $86 | $1,188 | $99 |
| A5 3.2 Quattro Premium Plus 2-Dr Coupe | $264 | $538 | $284 | $16 | $86 | $1,188 | $99 |
| A5 2.0T Quattro Prestige 2-Dr Coupe | $264 | $538 | $284 | $16 | $86 | $1,188 | $99 |
| A5 2.0T Premium 2-Dr Convertible | $264 | $538 | $334 | $20 | $100 | $1,256 | $105 |
| A5 2.0T Premium Plus 2-Dr Convertible | $264 | $538 | $334 | $20 | $100 | $1,256 | $105 |
| A5 2.0T Quattro Prestige S-Line 2-Dr Coupe | $292 | $538 | $284 | $16 | $86 | $1,216 | $101 |
| A5 2.0T Prestige S-Line 2-Dr Convertible | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| A5 2.0T Prestige 2-Dr Convertible | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| A5 3.2 Quattro Prestige S-Line 2-Dr Coupe | $292 | $602 | $284 | $16 | $86 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase price quotes significantly.
Based on the figures above, using a $100 deductible costs roughly $32 more each month or $384 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 13 months between claim filings, you would save more money by selecting a higher deductible.
The illustration below illustrates how your deductible choice and can impact Audi A5 insurance costs for each age group. The information is based on a single male driver, full coverage, and no other discounts are factored in.
How violations and accidents impact rates
The diagram below shows how traffic citations and at-fault accidents increase Audi A5 annual premium costs for different age groups. The premiums assume a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The information below shows the comparison of Audi A5 annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There isn’t a steadfast formula for dropping comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your Audi A5 claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If it’s costing you more than $800 a year for full coverage, then it may be the right time to buy liability only.
There are some cases where only buying liability is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Auto insurance can get complicated
Always remember that when buying a policy, there is no perfect coverage plan. Every situation is different.
For instance, these questions can aid in determining whether or not you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I insured when driving a different vehicle?
- How much liability coverage do I need in Massachusetts?
- Why am I required to get a high-risk car insurance policy?
- Does medical payments coverage apply to all occupants?
- What is the rate difference between pleasure use and commuting?
- How much cheaper are high deductibles?
- Should I buy additional glass protection?
If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.
Buying insurance from Boston insurance agencies
Some people prefer to go talk to an agent and that is a smart decision Most agents are trained risk managers and help in the event of a claim. A good thing about comparing insurance online is the fact that drivers can get cheap rate quotes but also keep your business local. And providing support for small agencies is still important in Boston.
For easy comparison, once you complete this simple form, the quote information is sent to agents in your area who want to provide quotes for your insurance coverage. There is no reason to find an agent on your own since rate quotes are delivered immediately to you. If you need to compare rates from one company in particular, you would need to go to their quote page and fill out the quote form the provide.
If you are searching for a good Boston insurance agent, it can be helpful to understand the types of agencies and how they work. Insurance agencies in Boston can be classified as either independent agents or exclusive agents. Both types can sell and service insurance coverage, but it is a good idea to know the subtle differences since it can affect which agent you choose.
Independent Insurance Agencies
Agents of this type can sell policies from many different companies so they can quote policies through many companies and potentially find a lower price. If premiums increase, they can switch companies in-house and you don’t have to switch agencies. When comparison shopping, you absolutely need to include price quotes from at least one independent agent in order to have the best price comparison. Most also write with small regional insurance companies which may provide better rates.
Shown below is a short list of independent agents in Boston that may be able to give free rate quotes.
- Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168 – View Map - F.I. Patnode Insurance Agency
396 Washington St – Brighton, MA 02135 – (617) 787-1400 – View Map - Child-Genovese Insurance Inc
44 Temple Pl – Boston, MA 02111 – (617) 350-5511 – View Map
Exclusive Agents
Exclusive insurance agents can only quote rates from one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are well schooled on what they offer and that enables them to sell even at higher rates. A lot of people use the same exclusive agent primarily because of the brand and solid financial strength.
The following is a short list of exclusive insurance agents in Boston who can help you get rate quotes.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Choosing the best insurance agency shouldn’t rely on just the quoted price. Ask your prospective agent these questions:
- Is coverage determined by price?
- Which companies can they place coverage with?
- Will you work with the agent or an assistant?
- Did they already check your driving record and credit reports?
- Is insurance their full-time profession?
After getting positive feedback to all your questions and an acceptable price quote, you’ve probably found an insurance agent that meets the criteria to service your policy. Just be aware that you can cancel a policy any time you want so don’t feel that you’re stuck with any specific agency for the full policy term.