Cheaper 2016 Audi S5 Insurance Quotes

Trying to find the cheapest car insurance rates for your Audi S5? Searching for the cheapest insurance for an Audi S5 can be difficult, but you can use the following methods to find lower rates.

There is a better way to find car insurance online so we’re going to tell you the proper way to price shop coverage on a Audi and get the best price possible from local insurance agents and online providers.

Which auto insurance is cheapest?

Most companies allow consumers to get insurance quotes online. Obtaining pricing is pretty easy because you just enter the coverage amounts you desire into the quote form. After the form is submitted, the system gets reports for credit and driving violations and gives you a price quote based on these and other factors.

Online price estimates streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to get better prices.

There is an easier way to compare rates

An easier way to find lower prices makes use of a single form that analyzes rates from many companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much simpler. Once the form is submitted, it is quoted and you can choose any or none of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and may result in a nice savings.

To save time and compare rates using this form now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you copy the insurance coverages just like they are on your policy. This helps ensure you will receive a price comparison using the same coverage and limits.

Discounts for cheaper insurance rates

Some companies don’t list every disount available in an easy-to-find place, so the list below contains a few of the more well known as well as the least known credits that may apply to you. If you do not double check each discount you deserve, you’re just leaving money on the table.

• Mature Driver Discount – Drivers over the age of 55 can possibly qualify for a discount up to 10% for S5 insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Buy New and Save – Putting insurance on a new car can save up to 30% compared to insuring an older model.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
• Life Insurance – Companies who offer life insurance give a lower rate if you buy some life insurance too.
• Membership in Organizations – Having an affiliation with a civic or occupational organization may earn a discount on your bill.
• Low Mileage Discounts – Low mileage vehicles could earn slightly better rates than normal.
• Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on the same insurance policy can get a discount for every vehicle.
• Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
• Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease for S5 insurance but check with your company.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic.

To see a list of insurance companies that provide some of the discounts listed above, click here.

You may need specialized auto insurance coverage

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

• How much can I save by bundling my policies?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need more liability coverage?
• Why do I only qualify for high-risk insurance?
• What discounts do I qualify for?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as court costs, funeral expenses, bail bonds, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your S5 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Audi S5.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, funeral costs, dental work, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage