2017 Audi S5 Insurance Quotes

Finding cheaper car insurance quotes online probably sounds like a formidable task if you’ve never received quote comparisons online. Don’t worry though because finding lower rates is easier than you think.

It’s a great practice to compare rates before your next renewal since insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on S5 coverage on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because it’s time to teach you the tricks you need to know to find lower rates on auto insurance.

These discounts can lower your insurance coverage quotes

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so the next list breaks down both well-publicized as well as the least known credits available to bring down your rates.

  • Own a Home – Just owning your own home can get you a discount since home ownership demonstrates responsibility.
  • Online Discount – Some companies give back up to $50 for buying your policy digitally online.
  • Distant Student Discount – who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on S5 coverage but check with your company.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • Discounts for New Vehicles – Buying a new car model may earn a small discount since newer vehicles are generally safer.

Policy discounts save money, but many deductions do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

Larger insurance coverage companies and some of the discounts can be found below.

  • 21st Century has savings for early bird, anti-lock brakes, defensive driver, homeowners, air bags, theft prevention, and 55 and older.
  • State Farm has discounts for good student, anti-theft, multiple policy, safe vehicle, and driver’s education.
  • AAA offers discounts for good driver, pay-in-full, education and occupation, multi-car, multi-policy, and anti-theft.
  • Liberty Mutual discounts include safety features, good student, new graduate, newly retired, and multi-car.
  • Progressive may offer discounts for multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, homeowner, and online signing.

Check with all the companies how many discounts you can get. Some discounts may not apply in your area. To see a list of insurance coverage companies that offer multiple discounts, click this link.

The method we recommend to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies participate in a system to compare their rates. The one thing you need to do is spend a couple of minutes providing details like if you have a valid license, if the vehicle is leased, the type of vehicles you drive, and if it has an anti-theft system. Your rating data gets transmitted to many highly-rated insurers and they return quotes very quickly.

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

Smart consumers can save money

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that aid in calculating your premiums. If you have some idea of what influences your rates, this allows you to make good choices that may result in better car insurance rates. Lots of factors are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not as apparent such as whether you are married or your commute time.

  • Deter theft and pay less – Buying a car that has an advanced theft prevention system can save you some money. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
  • Do you really need to file that claims? – Auto insurance companies generally give most affordable rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you in the event that you are determined to be liable for causing personal injury or damage in an accident. It provides legal defense coverage which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Add-on coverages can add up – There are a lot of extra coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death, and term life insurance are examples of these. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Traffic violations increase rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Getting just one ticket may increase your cost by as much as twenty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Different people need different car insurance coverages

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Can I afford to buy a different vehicle if my 2017 Audi S5 is totaled?
  • Can my teen drive my company car?
  • How much liability do I need to cover my assets?
  • Is rental equipment covered for theft or damage?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Don’t believe everything you hear

Popular auto insurance providers such as State Farm, Allstate and Geico endlessly run ads on TV and radio. They all say the same thing that drivers will save a bundle just by switching your policy. It sounds good, but how can they all give you a better price? Here is the trick they use.

Companies can use profiling for the type of insured that earns them the highest profit. For example, a profitable insured could be a mature driver, has had continuous coverage, and has a short commute. Any customer who matches those parameters may get the lowest prices and will probably pay quite a bit less when switching companies.

Insureds who do not fit those criteria will be charged higher premium rates which usually ends up with the customer not purchasing. The ads say “drivers who switch” not “all people who quote” save that much. That is how insurance companies can make the claims of big savings. That is why it is so important to compare many company’s rates. Because you cannot predict the company that will provide the lowest prices.

Learn about insurance coverages for an Audi S5

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for things like surgery, ambulance fees, doctor visits, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, falling objects and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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.

Auto collision coverage

This coverage will pay to fix damage to your S5 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, 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 can pay for things such as structural damage, loss of income and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Pennies from heaven

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, delays in paying claims, high prices or even lack of trust in their agent. Whatever your reason, switching insurance coverage companies is actually quite simple.

We just showed you a lot of techniques to save on 2017 Audi S5 insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest prices come from a smaller regional carrier.

More detailed insurance coverage information can be found by following these links: