2014 Audi S5 Car Insurance Quotes

Want lower insurance coverage rates for your Audi S5? Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say many consumers are in the same pinch. Big companies like GEICO, Progressive and Allstate promote their brand names with ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It is always a good idea to price shop coverage at least once a year because prices tend to go up over time. Just because you found the lowest rates on S5 coverage a few years ago there may be better deals available now. There is a lot of bad advice regarding insurance coverage on the internet, but we’re going to give you a lot of great tips on how to quit paying high insurance coverage rates.

Discounts can really help save money

Companies offering auto insurance don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains some of the more common and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Defensive Driver Discounts – Taking part in a class that teaches defensive driving techniques can save you 5% or more if your company offers it.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could save up to 20% and get you affordable car insurance.
  • No Charge for an Accident – but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • Good Drivers – Drivers who don’t get into accidents could pay up to 40% less on S5 coverage than drivers with accidents.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new vehicles are generally safer.
  • Distant Student – who live away from home at college and do not have a car may be able to be covered for less.

It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount should definitely cut the cost of coverage.

A list of car insurance companies and some of the premium reductions they offer can be read below.

  • American Family policyholders can earn discounts including TimeAway discount, air bags, mySafetyValet, good student, defensive driver, and Steer into Savings.
  • Nationwide discounts include multi-policy, defensive driving, family plan, accident-free, Farm Bureau membership, and easy pay.
  • MetLife offers premium reductions for good driver, defensive driver, accident-free, multi-policy, and good student.
  • 21st Century has savings for automatic seat belts, theft prevention, homeowners, anti-lock brakes, and student driver.
  • Farmers Insurance offers discounts including homeowner, early shopping, electronic funds transfer, youthful driver, pay in full, alternative fuel, and teen driver.
  • Allstate includes discounts for good payer, EZ pay plan discount, senior citizen, safe driver, utility vehicle, auto/life discount, and farm vehicle.

Before purchasing a policy, check with all the companies to apply every possible discount. Savings may not apply to policyholders in your area. To choose companies with significant discounts, click here to view.

How car insurance companies determine Audi S5 insurance premiums

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are not as apparent like where you live or your vehicle rating.

Listed below are a partial list of the pieces that factor into your prices.

  • Your car’s features help determine auto insurance rates – Driving a car that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
  • More traffic equals higher prices – Living in a rural area can be a good thing when trying to find low car insurance rates. Drivers who live in large cities have to deal with traffic congestion and more time behind the wheel. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
  • Marriage discount – Having a spouse can get you a discount compared to being single. Having a significant other usually means you are more mature and insurance companies like that married couples file fewer claims.
  • Certain employers pay higher prices – Did you know your job can affect your rates? Jobs like judges, executives and dentists tend to pay higher average rates attributed to high stress levels and long work hours. On the flip side, occupations like scientists, students and performers get better rates on S5 coverage.
  • Extra policy coverages that aren’t used – Insurance companies have many add-on coverages that can waste your money if you aren’t diligent. Insurance for rental car coverage, accident forgiveness, and extra equipment coverage are examples of these. The coverages may be enticing when talking to your agent, but if you don’t need them consider taking them off your policy.
  • Youthful drivers cost more – Youthful drivers are statistically shown to be inattentive and easily distracted behind the wheel so auto insurance rates are higher. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Be proud to be claim-free – If you file claims often, you can definitely plan on higher rates. Companies provide the best rates to insureds who are not frequent claim filers. Your insurance policy is designed for larger claims.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when delivering products for my home-based business?
  • Do all my vehicles need collision coverage?
  • Is a fancy paint job covered?
  • What is no-fault insurance?
  • Does my 2014 Audi S5 need full coverage?
  • Which is better, split liability limits or combined limits?
  • Do I pay less if my vehicle is kept in my garage?
  • What vehicles should carry emergency assistance coverage?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Big brands don’t always mean big savings

Consumers can’t escape the ads that claim the best premium rates by companies like State Farm, GEICO and Progressive. They all make the same claim that you’ll save big if you get a free car insurance quote and switch your auto insurance coverage to their company.

Is it even possible that every company can give you a lower rate? This is how they do it.

Companies can use profiling for the driver that will add to their bottom line. One example of a desirable insured may need to be a female over age 40, has no prior claims, and the vehicle is rated for pleasure use. Any person who meets those qualifications receives the best premium rates and will probably save quite a bit of money when switching.

Drivers who do not meet these stringent criteria will probably have to pay a more expensive rate and ends up with the customer not purchasing. The trick is to say “customers who switch” not “all people who quote” can save as much as they claim. This is how companies can truthfully advertise the way they do. This emphasizes why you really need to do a rate comparison at every renewal. You cannot predict which company will give you lower car insurance rates than your current company.

Auto insurance coverage considerations

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like pain and suffering, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for surgery, ambulance fees, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your S5 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, crashing into a building, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 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. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, fire damage, hail damage, damage from flooding and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote more, save more

A few companies do not offer online price quotes and most of the time these small, regional companies work with local independent agencies. Cheaper 2014 Audi S5 insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture.

When searching for inexpensive car insurance quotes, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced liability coverage limits only to regret they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We’ve covered a lot of information how to shop for 2014 Audi S5 insurance online. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.

To learn more, take a look at the articles below:

Comments About 2014 Audi S5 Insurance

  1. Kristofer Spence

    I can’t pay high rates. From northwest of Raleigh, NC. Compared quite a few companies. Saved about $40 a month. State Farm was the most affordable for me. They have a lot of discounts available.

  2. Silva Ball

    It all costs too much. I live just to the east of Pittsburgh, PA. Got prices from State Farm, Eastwood, and Hartford for my Audi and I think I saved about $30 each month. Have an at-fault accident tho. Highly recommended.

  3. Deadra Chapman

    Got pretty cheap 2014 Audi S5 insurance from State Farm in Paterson, NJ.

  4. Porsche Espinoza

    Just my two cents. Lifelong resident of Jersey City, New Jersey. Received prices from Liberty Mutual, AIG Insurance, Safeco, and a couple others for my S5 and I’m now saving $19 a month. Insured with Nationwide before. Get lots of quotes to find the best rate.

  5. Gale Bullock

    Not sure what I should be paying. Checking in from Newark, Delaware. Got car insurance rates from Progressive, AAA, Esurance, and GMAC for my S5 and cut my rates about $100 a year. Was with Western Auto Insurance. Highly recommended.

  6. Seymour Brock

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Kansas City, MO. Quoted rates from State Farm, AAA, and some I forget for my S5 and saved just over $350 a year. Left Eastwood to switch.

  7. Georgine Combs

    I found affordable 2014 Audi S5 insurance from GEICO in New Orleans, LA.

  8. Jacqulyn Emerson

    Hope my car insurance gets cheaper. I live in Grand Rapids, MI. Quoted prices from AIG Insurance, MetLife, and a few others for my S5 and I’m now saving $51 a month. Even increased my liability limits.

  9. Demetrius Barnett

    I’m in the west part of Tucson, Arizona. Got free quotes online for a 2014 Audi S5. Ended up at about $480 savings annually. Went with Progressive. Left Sentry to switch.