Buyers have lots of choices when searching for affordable Audi S5 insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to get rate quotes.
There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to get price quotes for a Audi and locate the best price possible.
Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious insurance savings.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck.
To locate insurance companies who offer discounts, follow this link.
Getting a cheaper price on 2008 Audi S5 insurance can be quick and easy. The only thing you need to do is spend a few minutes on the computer getting comparison quotes to see which company has the cheapest insurance coverage quotes. It is quite easy and can be accomplished by following the guidelines below.
It doesn’t matter which method you choose, just make sure you use apples-to-apples deductibles and coverage limits for each quote you get. If your comparisons have different data it’s impossible to determine the lowest rate for your Audi S5.
When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.
These are some specific questions may help you determine if your insurance needs will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Having a good grasp of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like medical expenses, structural damage, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Collision coverage protection
Collision insurance pays for damage to your S5 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like backing into a parked car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for bills such as pain medications, surgery and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Audi S5.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
When getting insurance coverage quotes online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that it was a big mistake. The goal is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.
Throughout this article, we presented some good ideas how to lower your 2008 Audi S5 insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even find the most savings is with the smaller companies.
Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, not issuing a premium refund or unfair underwriting practices. Whatever your reason, switching insurance companies is less work than it seems.
More detailed insurance information can be found in these articles:
I found pretty cheap rate quotes for a 2008 Audi S5 in Columbus, OH. Ended up at about $430 every six months with Auto-Owners. Left Sentry to switch.
Good site, thanks. I’m from Fayetteville, AR. Went online for free insurance quotes for a 2008 Audi S5. Ended up at about $320 savings annually. Went with GEICO. I increased coverages a little too. They offer free online rate quotes.
Hope my rates come down. Got a quote with Amica for my Audi and am saving around $430 a year. I even had a DUI years ago. :P
From northwest of New Orleans, Louisiana. Quoted prices online for a 2008 Audi S5. Ended up at about $500 savings annually. Went with State Farm. Left Western Auto Insurance to switch.
In Houston, Texas, Progressive auto insurance rates for my 2008 Audi S5 were good. Got better coverage too.
IT’S ALL TOO EXPENSIVE! I’m in the east part of Norfolk, VA. Quoted a bunch of companies. Saved roughly $30 a month. State Farm was the most affordable for me. Teenage drivers are expensive!
Not sure what I should be paying. I live on the west side of Spokane, WA. Received prices from Allstate, Liberty Mutual, and Encompass for my Audi and saved about $440 a year. I get a discount for insuring multiple vehicles. Still almost need a second mortgage.
I’m just east of Louisville, KY. Not sure of all the companies but I ended up saving about $60 each month. I have a teen driver too. Not sure if rates are cheaper online or not.
Is State Farm or Encompass cheap in Providence, RI?
Located in Houston, TX. I got free quotes from Safeco, Farmers, State Farm, and Auto-Owners for my S5 and I think I saved about $50 each month. Are quotes cheaper online?
I live in Des Moines, IA. Quoted with Progressive, Erie, and GMAC for my S5 and I’m now saving $37 a month. Insured with Hanover before. You can get a rate quote online.
I’m in the suburbs of South Burlington, Vermont. Checked online prices for a 2008 Audi S5. Ended up at about $230 savings annually. Went with GEICO.
Where is cheaper car insurance? From northwest of Cleveland, Ohio. Quoted prices from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my S5 and saved $100 a year. Was with Sentry. I get multi-vehicle and multi-policy discounts. I just quoted rates online.
From Idaho Falls, Idaho. Went online for free insurance quotes for a 2008 Audi S5. Ended up at about $330 savings annually. Went with GEICO. Insured with The General before. I have a teen driver too. Just go online and compare their rates.
Are Allstate or Allstate rates cheaper in Massachusetts?
If you’re around Concord, New Hampshire try Allstate and Progressive and see which is cheaper.
Live in Allentown, PA. Don’t remember every company but I ended up saving about $50 each month. Can still barely afford it.
In Portland, OR, GEICO auto insurance rates for my 2008 Audi S5 were good. I increased coverages a little too.