2010 Audi S5 Insurance Rates

Looking for better auto insurance rates for your Audi S5? Expensive auto insurance can dwindle your bank account and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to make sure you’re not throwing money away. Since consumers have many insurance companies to choose from, it can be diffult for consumers to locate the right company.

Cut your insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for S5 insurance than drivers with accidents.
  • Resident Student – Kids in college who are attending college and do not have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce your premiums.

Car insurance companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not apply in every state.

The best way to compare rates is to know most of the bigger providers will pay a fee to compare rate quotes. All consumers are required to do is provide information like driver ages, how you use your vehicles, your education level, and if you are currently licensed. Your details is instantly provided to many different companies and they respond with quotes almost instantly.

To compare multiple company rates now, click here and enter your zip code.

Why you might be paying too much to insure your Audi S5

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance coverage rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Where you live is a factor – Choosing to live in a rural area has it’s advantages when it comes to insurance coverage. Urban drivers tend to have congested traffic and longer commutes to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Little extras can really add up – There are a lot of additional coverages you can purchase on your insurance coverage policy. Coverages for personal injury protection, better glass coverage and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate them to save money.
  • High crash test scores lower rates – Safer cars get lower rates. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Audi S5 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Where do you drive? – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage policy shows the correct driver usage, because improper ratings can cost you money. Incorrect usage on your S5 can result in significantly higher rates.
  • Do you have a high stress job? – Occupations like real estate brokers, business owners and stock brokers tend to have the highest rates attributed to job stress and lots of time spent at work. On the other hand, professions such as pilots, students and retirees receive lower rates for S5 insurance.
  • Bundling policies can get discounts – Many companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to make sure you are getting the best deal. You may still find better rates by buying insurance coverage from a different company.

You are unique and your insurance coverage should be too

When choosing coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I need more liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage breakdown

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.

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

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi S5.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, medical services, loss of income, legal defense fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, vandalism, a broken windshield, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, rehabilitation expenses, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Shop Smart and Save

Affordable 2010 Audi S5 insurance is definitely available online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

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