Buyers have many options when searching for affordable Audi S5 insurance. You can either spend your time driving around trying to get quotes or utilize the internet to make rate comparisons.
There are both good and bad ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates for a new or used Audi and obtain the lowest possible price either online or from local insurance agents.
It is always a good idea to quote other rates before your policy renews because insurance prices trend upward over time. Even if you got the lowest price for S5 insurance at your last renewal there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to find out one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.
There are a variety of methods to shop for insurance, but one way is more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.
Many insurance companies participate in a marketplace where prospective buyers send in one quote, and each participating company can give them a price based on that data. This saves time by eliminating form submissions for every insurance company.
To access this free quoting program, click here (opens in new window).
The one downside to comparing rates this way is that consumers can’t choose the insurers to get quotes from. So if you want to select specific insurance companies to compare rates, we have assembled a list of insurance companies in your area. Click here to view list.
Whichever way you choose to compare rates, ensure you’re using equivalent coverage data on every quote. If you enter differing limits it will be impossible to find the best deal for your Audi S5.
When choosing adequate coverage, there really is no cookie cutter policy. Every situation is different.
For instance, these questions might help in determining whether or not you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.
Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Medical expense insurance
Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, ambulance fees, doctor visits, hospital visits and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This coverage covers damage to your S5 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as hitting a mailbox, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like loss of income, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Protection from uninsured/underinsured drivers
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Audi S5.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
I live just to the west of Boston, MA. Got free quotes online for a 2015 Audi S5. Ended up at about $270 savings annually. Went with 21st Century. Still almost need a second mortgage.
I’m in the suburbs of Kansas City, KS. Compared rates from a lot of places. Saved about $60 a month. 21st Century was the cheapest option for me.
If you have a good history and live around San Jose, California, check out 21st Century. I saved quite a bit.
I’ve bought from GEICO forever. Cheapest rates in Manchester, New Hampshire.
I’m in the east part of Aurora, IL. Received rates from AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Audi and saved about $180 a year. Bought it from an online quote.
Like your site, BTW. I’m just north of Warren, MI. I got free rates from GMAC, Auto-Owners, Nationwide, and a couple others for my 2015 Audi S5 and I’m now saving $46 a month. I recommend comparing lots of rates.
I’m in Cedar Rapids, IA. I compared lots of rates. Saved about $70 a month. Progressive was the cheapest for me. Hopefully won’t need it.