Compare 2015 Audi S5 Insurance Quotes

Consumers have options when looking for low-cost Audi S5 insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to shop for insurance so you’re going to learn the quickest way to compare rates for your Audi and get the lowest possible price from both online companies and local agents.

Consumers need to check insurance prices at least once a year because insurance prices tend to go up over time. If you had the lowest quotes for S5 coverage six months ago you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to find out the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Shop insurance coverage online

All major insurance coverage companies such as Allstate and Progressive make it easy to get price estimates on the web. Getting prices online doesn’t take much effort because you just enter the amount of coverage you want into a form. After you complete the form, their system obtains your driving record and credit report and generates pricing information based on these factors.

Online quotes simplifies rate comparisons, but the process of having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to get the lowest possible prices on insurance coverage.

A more efficient way to find lower prices uses one simple form to return rates from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online price comparison much easier. After your information is entered, it gets priced and you are able to buy any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and can result in significant savings.

To quickly compare pricing, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you enter coverages and limits as shown on your current policy. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.

Is there truth in advertising?

Consumers can’t avoid all the ads that claim the cheapest rates from the likes of Allstate and Progressive. All the companies seem to make the promise about how much you will save if you get a free car insurance quote and switch your policy.

How does every company cost less than your current company? Here is how they do it.

Insurance companies can use profiling for the type of customer that is profitable for them. One example of a desirable risk could be between the ages of 30 and 50, has no tickets, and drives a car with an anti-theft system. Anybody who matches that profile receives the best prices and will probably cut their rates if they switch.

Drivers who don’t qualify for these criteria will probably be forced to pay higher premium rates which results in the prospect going elsewhere. The ad wording is “customers that switch” not “all people who quote” save that much when switching. That is how companies can make those statements.

Because of this risk profiling, it’s extremely important to do a quote comparison often. It’s not possible to predict which insurance company will give you lower premium rates than your current company.

Insurance policy discounts

Insuring your fleet can be pricey, but you can get discounts that many consumers don’t even know exist. Some discounts will apply when you purchase, but some need to be manually applied before being credited.

  • Multiple Cars – Buying a policy with multiple vehicles with the same insurance company qualifies for this discount.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.
  • E-sign – A few insurance companies may give you up to $50 for buying a policy and signing up on the web.
  • Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts up to 30%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Membership in Organizations – Joining a qualifying organization is a simple method to lower premiums on your next renewal.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free insurance policy, nobody gets a free ride.

For a list of insurers with discount insurance rates, click here.

How do I know if I need professional advice?

When buying proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • Can my babysitter drive my car?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find high-risk insurance?
  • Can I still get insurance after a DUI?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverages for an Audi S5

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, 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 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as structural damage, medical services, bail bonds and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, fire damage, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance covers damage to your S5 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for EMT expenses, pain medications, X-ray expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2015 Audi S5.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Best coverage at the best price

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best cost while still protecting your assets.

Cheaper 2015 Audi S5 insurance is possible from both online companies and with local insurance agents, so you should compare both to have the best rate selection. Some companies do not provide the ability to get quotes online and many times these small insurance companies sell through independent agencies.

You just learned some good ideas how you can lower your 2015 Audi S5 insurance premium rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the most savings is with the least-expected company.

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