Compare 2013 Audi RS 5 Insurance Rates

Want the cheapest insurance coverage rates for your Audi RS 5? Finding more affordable premium rates for insurance coverage is always hard for people who have little experience quoting and comparing prices online. Consumers have so many agents and companies to choose from that it can turn into more work than you anticipated to find the perfect company for you.

Insurance companies offer money-saving discounts

The cost of insuring your cars can be expensive, but there may be some discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be inquired about before being credited. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
• Safe Drivers – Safe drivers may save up to 50% more for RS 5 insurance than drivers with accident claims.
• Defensive Driver Discount – Taking a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
• Multiple Vehicles – Insuring primary and secondary vehicles on a single policy qualifies for this discount.
• Home Ownership Discount – Just being a homeowner can save a few bucks because it requires personal responsibility.
• Low Miles Discount – Low mileage vehicles can qualify you for better prices on cars that stay parked.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
• Passive Restraint Discount – Vehicles equipped with air bags can get savings of 20 to 30 percent.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount should help reduce the amount you have to pay.

A list of companies and a partial list of their discounts can be found below.

• State Farm offers premium reductions for Drive Safe & Save, good student, accident-free, safe vehicle, and driver’s education.
• Farmers Insurance may offer discounts for pay in full, business and professional, electronic funds transfer, multi-car, and homeowner.
• Geico offers discounts including air bags, military active duty, driver training, anti-theft, multi-vehicle, and daytime running lights.
• American Family discounts include good driver, bundled insurance, Steer into Savings, good student, air bags, and early bird.
• Nationwide policyholders can earn discounts including Farm Bureau membership, anti-theft, accident-free, good student, business or organization, and multi-policy.
• Progressive may include discounts for homeowner, online signing, online quote discount, good student, multi-vehicle, multi-policy, and continuous coverage.

Double check with each company or agent what discounts are available to you. Savings may not be offered in your area.

Low cost insurance coverage

Comparing insurance coverage rates can be challenging if you don’t utilize the most efficient way to do it. You can waste hours driving to local insurance agents in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price based on the submitted data. This saves time by eliminating quotation requests to each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to using this type of system is you cannot specify which companies to get quotes from. So if you want to choose individual companies to compare, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using exactly the same quote data on every price quote you get. If you have higher or lower deductibles it will be nearly impossible to find the best deal for your Audi RS 5. Having just a slight variation in limits may result in a large different in cost. And when comparing insurance coverage rates, know that comparing all the rates in your area helps improve the odds of finding more affordable rates. Not every company allows you to get online rate quotes, so it’s necessary to compare price quotes from them, too.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether or not you would benefit from professional advice.

• Can I rate high risk drivers on liability-only vehicles?
• Does my 2013 Audi RS 5 qualify for pleasure use?
• Do I have any recourse if my insurance company denies a claim?
• Why am I required to buy liability insurance?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are my friends covered when driving my 2013 Audi RS 5?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as repair costs for stationary objects, structural damage, loss of income and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, ambulance fees, prosthetic devices, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance policy 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. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your RS 5 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, scraping a guard rail, driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Take this to the bank

We covered many ideas to reduce 2013 Audi RS 5 insurance car insurance rates online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. You may even find the best price on auto insurance is with the least-expected company.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Some insurance providers do not provide price quotes online and most of the time these smaller companies provide coverage only through local independent agents. Cheap 2013 Audi RS 5 insurance can be purchased on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money.

Additional auto insurance information can be read at the links below

• Safety Features for Your New Car (State Farm)
• Rollover Crash FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)