Save on 2014 Audi RS 5 Insurance Rates

Searching for low-cost insurance for a new or used Audi RS 5 can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to compare rates for your Audi and locate the lowest price either online or from local insurance agents.

It’s smart to do rate comparisons as often as possible because car insurance prices go up and down regularly. Despite the fact that you may have had the best deal for RS 5 insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to get good coverage at a lower rate.

The quickest method we recommend to compare policy rates is to realize almost all companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details like how you use your vehicles, if a SR-22 is needed, how much you drive, and which vehicles you own. That information is submitted instantly to multiple companies and you will receive price estimates instantly.

To compare rates now, click here and complete the form.

Earn discounts on car insurance

Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that can drop the cost substantially. Certain reductions will be credited at the time of quoting, but some must be asked about before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks with the same car insurance company may reduce the rate for each vehicle.
  • Federal Employees – Active or former government employment can save as much as 8% for RS 5 insurance with some car insurance companies.
  • Discount for New Cars – Putting car insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Good Grades – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can get a small decrease in premiums for RS 5 insurance.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like State Farm, Progressive and Geico allow you one accident before they charge you more for coverage if you have no claims before the accident.

As a footnote on discounts, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A few companies that may have these money-saving discounts include:

If you need lower rates, check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To see a list of car insurance companies that offer discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • What is roadside assistance coverage?
  • When would I need additional glass coverage?
  • When should I not file a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • I don’t drive much so do I pay less?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability coverage do I need in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to buy a different vehicle if my 2014 Audi RS 5 is totaled?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

How insurance companies calculate Audi RS 5 insurance rates

When buying insurance coverage it’s important to understand some of the things that go into determining your insurance coverage rates. If you understand what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels. Lots of things are part of the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are less obvious such as your credit history or your vehicle rating.

  • A linsurance coverage policy lapse is a bad thing – Having a lapse in insurance coverage will be a quick way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance may earn you a revoked license or a big fine. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Less chance of injury means lower prices – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims and thus lower rates. If your Audi RS 5 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Getting married is a bonus – Walking down the aisle can actually save you money when buying insurance coverage. It means you’re more stable financially and insurance companies like that drivers who are married file infrequent claims.
  • Are females or males drivers cheaper? – Over time, data shows that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Men and women get in accidents in similar numbers, but men have costlier accidents. Not only that, but men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Small frequent insurance claims are not good – Companies provide the lowest premiums to people who are not frequent claim filers. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Save annual miles and save money – The more you drive annually the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage declarations sheet is showing the right rating data, because it can save money. An improperly rated RS 5 may be wasting your money.
  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. A few examples of covered claims could be a broken windshield, damage from fire, and windstorm damage. Comp and collision deductibles define the amount you are willing to pay in the event of a claim. The more money you are required to pay out-of-pocket, the bigger discount you will receive for RS 5 insurance.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for dental work, pain medications, surgery, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability auto insurance

Liability coverage can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, medical expenses, medical services and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Final considerations

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Drivers switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, unfair underwriting practices or policy cancellation. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Cost effective 2014 Audi RS 5 insurance is attainable on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer price quotes online and many times these small insurance companies prefer to sell through independent insurance agents.

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