2009 Audi S5 Car Insurance Quotes

Searching for the cheapest car insurance rates for your Audi S5? Locating the cheapest insurance for a new or used Audi S5 can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to price shop coverage on a Audi and locate the lowest price.

If you have insurance now or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Pricing the cheapest insurance coverage is simple if you know the tricks. Drivers only need an understanding of the most effective way to compare company rates over the internet.

How to get free insurance quotes online

Most major insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get price estimates direct online. Comparing rates online doesn’t take a lot of time because you just enter the coverage amounts you desire into a form. Behind the scenes, their system gets credit information and your driving record and generates pricing information determined by many factors.

Quoting online simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get the lowest insurance rates.

There is a better way!

The easiest way to find cheaper rates makes use of a single form that analyzes rates from many companies. This type of form saves time, requires less work, and makes price shopping online a lot less work. As soon as you send your information, it is rated and you can select any or none of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information identical to your current policy. Using the same limits helps guarantee you will have comparison quotes based on the exact same insurance coverage.

Discount insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain reductions will be credited at the time of purchase, but a few need to be asked for before you get the savings.

  • Low Mileage Discounts – Low mileage vehicles could earn better rates on cars that stay parked.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Defensive Driving Course – Successfully completing a course teaching driver safety skills may get you a small discount if your company offers it.
  • Savings for New Vehicles – Insuring a vehicle that is new can save you some money since new model year vehicles have better safety ratings.
  • Early Switch Discount – Some larger companies provide a discount for switching policies early. It’s a savings of about 10%.
  • Policy Bundle Discount – If you have multiple policies with one insurance company you could earn a discount of as much as 10 to 15 percent.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.

As a sidenote, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will cut your policy premiums.

Some of the larger companies that may have some of the discounts shown above are:

When getting a coverage quote, ask each company what discounts are available to you. Depending on the company, some discounts may not be available everywhere. If you would like to see a list of insurance companies who offer online insurance quotes, follow this link.

Why your insurance prices might be higher

Lots of factors are part of the equation when pricing auto insurance. Some are obvious such as your driving record, but others are more transparent such as your marital status or your commute time.

  • Policy add-ons add up – There are a lot of extra coverages that you can buy if you don’t pay attention. Insurance for personal injury protection, towing, and additional equipment coverage are some examples. The coverages may be enticing at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Is your vehicle theft-ready? – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Marriage is a factor – Walking down the aisle may earn you lower rates on your insurance bill. It demonstrates that you tend to be more financially stable it has been statistically shown that drivers who are married are more cautious.
  • Excellent credit means lower costs – An insured’s credit rating can be a huge factor in determining what you pay for insurance. Drivers with very good credit scores tend to file fewer claims than drivers with poor credit. So if your credit can be improved, you could pay less to insure your 2009 Audi S5 by improving your rating.
  • Higher deductibles are cheaper – Physical damage deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of some claims that would be covered could be colliding with a stationary object, damage from fire, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the less your company will charge you for insurance on S5 coverage.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • What are the best liability limits?
  • Is business property covered if stolen from my car?
  • How high should my medical payments coverage be?
  • If my 2009 Audi S5 is totaled, can I afford another vehicle?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to my business vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This covers damage to your S5 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, structural damage and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense insurance – Med pay and PIP coverage pay for expenses such as funeral costs, rehabilitation expenses, nursing services and hospital visits. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi S5.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

And the best car insurance company is…

We just presented many tips how you can compare 2009 Audi S5 insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive car insurance. Drivers may discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

People change insurance companies for many reasons like denial of a claim, extreme rates for teen drivers, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, switching companies can be less work than you think.

Budget-friendly insurance coverage can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get quotes online and these small insurance companies prefer to sell through independent agents.

Other information