Save on 2015 Audi S5 Car Insurance Rates

Drivers have many options when trying to find the best price on Audi S5 insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to find the lowest rates.

There are more efficient ways to find car insurance online and you need to know the quickest way to price shop coverage for your Audi and obtain the lowest possible price from both online companies and local agents.

You need to shop coverage around at least once a year because rates tend to go up over time. Just because you found the best price on S5 coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to find out one of the easiest ways to properly buy coverages while reducing your premium.

This article will tell you the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Vehicle owners only need to know the tricks to compare prices online.

Discounts are available to cut your rates

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some must be asked about prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

  • Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on insurance on S5 coverage.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on S5 coverage than drivers with accidents.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.

Keep in mind that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

For a list of insurance companies who offer insurance discounts, click here.

How to Compare Insurance Coverage

There are several ways to compare Audi S5 insurance coverage quotes, but some are easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you can utilize the internet to get prices fast.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and every company provides a quote based on the submitted data. This eliminates the need for quote forms for every insurance coverage company.

To compare 2015 Audi S5 rates now click to open in new window.

The only drawback to doing it this way is you are unable to specify which companies you want pricing from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write insurance coverage in your area. Click here to view list.

Whichever way you use, double check that you are using the exact same coverages and limits with each company. If you are comparing unequal deductibles or liability limits it will be impossible to make an equal comparison.

Everyone needs different coverages

When buying adequate coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • When does my teenage driver need to be added to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?
  • When would I need additional glass coverage?
  • What is an SR-22 filing?
  • Where can I find high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit a deer?
  • Does my 2015 Audi S5 need full coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, surgery, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This pays for damage to your S5 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, scraping a guard rail, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2015 Audi S5.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, fire damage, damage from flooding, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t be a big spender

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, policy cancellation, poor customer service or unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

Cheap 2015 Audi S5 insurance is possible online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

In this article, we covered many ways to get a better price on insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

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