Compare 2015 Audi RS 5 Car Insurance Rates

Trying to find better insurance rates for your Audi RS 5? Buying the cheapest insurance on the web may seem to be impossible for consumers new to comparing and buying insurance on the web. With literally dozens of insurers available, how are consumers expected to effectively compare the different rates to find the cheapest available price?

Smart consumers take time to compare premium rates before your policy renews because rates are rarely the same from one policy term to another. Even if you think you had the lowest rate for RS 5 coverage six months ago the chances are good that you can find a lower price today. You’ll find a ton of advice on insurance on the web, but you can learn some proven techniques to save money.

Compare quotes for car insurance

To find cheaper insurance coverage quotes, there are several ways to compare rate quotes from many car insurance companies in your state. The fastest way to compare rates consists of shopping online. This is very easy and can be done using a couple different methods.

• Hands down the most simple method consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for every prospective company. One form submission compares rates from car insurance companies with the best prices. It’s the fastest way to compare.
• A more time consuming way to analyze rates consists of visiting the website of each company and repeat the quote process. For sake of this example, let’s assume you want to compare rates from Allstate, 21st Century and GMAC. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

  For a list of links to companies insuring cars in your area, click here.

• The last way to comparison shop rate quotes is going to local insurance agencies. Comparing online rate quotes makes this process obsolete unless you have a complicated situation and need the trained advice that you can only get from talking to an agent. Drivers can get prices online but have a local agent actually write the policy.

The approach you take is up to you, just make sure you compare the same quote data on every quote you get. If you enter mixed coverages it will be nearly impossible to determine the lowest rate for your Audi RS 5. Quoting even small variations in limits can make a big difference in price. And when comparison shopping, comparing all the rates in your area will enable you to find lower pricing. Some insurance companies are not set up to provide price estimates online, so it’s necessary to compare price quotes from them, too.

Get lower rates with these auto insurance discounts

Auto insurance can be pricey, but you may be missing some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but a few must be asked for before being credited. If you do not double check each discount you deserve, you could be saving more on your auto insurance.

• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
• Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for RS 5 coverage than drivers with accident claims.
• Multi-car Discount – Insuring several vehicles with one company could earn a price break for each car.
• Military Rewards – Being on active deployment in the military could qualify you for better prices.
• College Student – Youth drivers 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 insured at a cheaper rate.

As is typical with insurance, some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will lower the amount you have to pay.

To find providers who offer free auto insurance quotes, click here.

Insurance can get complicated

When choosing coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

• What is UM/UIM insurance?
• Is business property covered if stolen from my car?
• Should I buy additional glass protection?
• When should I drop full coverage on my 2015 Audi RS 5?
• What is roadside assistance coverage?
• What is the difference between comprehensive and collision coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered by my spouse’s policy after a separation?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Why you might pay lower rates

Many things are considered when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are more obscure such as your marital status or your vehicle rating.

• Does your employer cost you more? – Careers like doctorspolice officers and emergency personnel usually pay higher average rates attributed to stressful work requirements and lengthy work days. On the other hand, careers such as farmers, historians and the unemployed have the lowest average rates for RS 5 coverage.
• Lower rates for being claim-free – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended for larger claims.
• Cheaper rates with high physical damage deductibles – Deductibles for physical damage tell how much you are willing to pay if the claim is covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, animal collisions, and having a roll-over accident. The higher the amount you’re willing to pay, the lower your rates will be for RS 5 coverage.
• Battle of the sexes – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause fender benders at about the same rate, but the men tend to have more serious accidents. Not only that, but men also have more aggressive citations like DUI and reckless driving.

Switch companies and save? Really?

Allstate, Geico and Progressive seem to constantly run ads in print and on television. They all make the point that drivers will save a bundle if you move to their company. How is it plausible that every one can lower your prices? It’s all in the numbers.

Most companies have a certain “appetite” for the right customer that will most likely be profitable. For instance, a desirable risk could be a married male, is a homeowner, and drives less than 5,000 miles a year. Any customer that matches those criteria will get low prices and have a good chance to save money with a new company.

Insureds who fall outside this stringent profile may receive higher prices and this can result in the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can make those claims. Because of the profiling, you need to get insurance coverage quotes from several different companies. It’s just too difficult to predict with any certainty which company will have the lowest rates.

Specific coverages for a 2015 Audi RS 5

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses like prosthetic devices, dental work, pain medications and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Audi RS 5.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability

This provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical services, emergency aid, court costs and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

The best insurance company isn’t always the cheapest

We’ve covered some good ideas how to reduce 2015 Audi RS 5 insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with a small local company.

People leave their current company for many reasons like high prices, being labeled a high risk driver, questionable increases in premium and delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.

Cheaper auto insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer rate quotes online and usually these smaller companies only sell coverage through independent agents.

Additional articles

• Vehicle Safety Ratings (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Help Your Teen Be a Better Driver (State Farm)
• Teen Driving Statistics (Geico)
• What to do at the Scene of an Accident (Insurance Information Insitute)