View 2016 Audi S5 Insurance Rates

Searching for cheaper car insurance rates for your Audi S5? If shopping for auto insurance quotes online is new to you, you can be bewildered by the sheer number of local and online companies who claim to have the best car insurance rates.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. This article will help you learn how car insurance quotes work and some tricks to saving. Although consumers must know how big insurance companies sell online and apply this information to your search.

Save with with these discounts

Insurance coverage is not cheap nor is it fun to buy but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts will apply at the time you complete a quote, but some discounts are required to be manually applied prior to getting the savings.

  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Lower Rates for Military – Having a family member in the military can result in better prices.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Memberships – Joining a civic or occupational organization could qualify you for a break on insurance coverage.
  • Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better prices if you take out some life insurance too.
  • Multi-policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of up to 20% and get you the cheapest auto insurance.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

A few of the larger companies and a selection of discounts include:

  • Farm Bureau offers discounts for 55 and retired, multi-vehicle, youthful driver, multi-policy, renewal discount, safe driver, and driver training.
  • MetLife includes discounts for multi-policy, accident-free, good student, defensive driver, and good driver.
  • Progressive may include discounts for good student, multi-policy, online quote discount, multi-vehicle, continuous coverage, and homeowner.
  • AAA has savings for good driver, education and occupation, multi-policy, pay-in-full, and good student.
  • American Family may have discounts that include multi-vehicle, air bags, TimeAway discount, bundled insurance, and defensive driver.
  • Geico discounts include multi-vehicle, air bags, daytime running lights, membership and employees, anti-lock brakes, federal employee, and anti-theft.
  • State Farm policyholders can earn discounts including student away at school, anti-theft, good student, good driver, multiple autos, accident-free, and Drive Safe & Save.

Double check with all the companies which discounts can lower your rates. Savings might not be offered in your state. If you would like to choose from a list of insurance companies with the best discounts, click here to view.

Your situation helps dictate your coverage

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can help discover if you will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is covered by UM/UIM coverage?
  • Does my car insurance cover rental cars?
  • Is pleasure use cheaper than using my 2016 Audi S5 to commute?
  • Am I covered when driving on a suspended license?
  • How do I buy GAP insurance?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Do drivers who switch really save?

Companies like Geico, State Farm and Progressive regularly use television, radio, and online ads. All the companies make the point that you can save just by moving your coverage. How does every insurance coverage company lower your prices? Here is how they do it.

All the different companies have an ideal profile for the type of driver that is profitable for them. One example of a profitable insured could possibly be between 30 and 50, has a clean driving record, and drives newer vehicles. Someone that matches those criteria will get low rates as well as save some money.

Consumers who cannot meet these standards will be charged higher premium rates with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save that much money. That is how companies can truthfully make claims that they all have the best car insurance rates.

This really emphasizes why you really should quote coverage with many companies. It’s just too difficult to predict the company that will have the best rates at this point in time.

Auto insurance 101

Understanding the coverages of a auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for X-ray expenses, nursing services, funeral costs and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage – This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2016 Audi S5.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Make an honest buck

Cheaper 2016 Audi S5 insurance can be found online and also from your neighborhood agents, so you need to quote auto insurance with both to have the best rate selection. Some companies don’t offer online price quotes and usually these smaller companies sell through local independent agencies.

Throughout this article, we presented a lot of techniques to save on 2016 Audi S5 insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high prices, being labeled a high risk driver and even policy cancellation. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

More tips and info about car insurance is located in the articles below:

Comments About 2016 Audi S5 Insurance

  1. Monty Stokes

    Lots of useful info here. I’m just north of Las Vegas, Nevada. Quoted quotes with AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my S5 and I’m now saving $23 a month. It’s easy to compare rates online now.

  2. Lorenza Flowers

    Not sure what I should be paying. I live just to the north of Allentown, PA. Quoted with GEICO, AIG Insurance, and Erie for my 2016 Audi S5 and saved just over $400 a year. Left Hartford to switch. Not sure about claim service.

  3. Samual Lott

    I was with Hartford last year but switched to State Farm. I live in a small town just outside of Burlington, VT. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  4. Kanesha Fleming

    I compared a lot of rate quotes for a 2016 Audi S5 in Portland, OR. Ended up at right around $330 every six months with American Family. I think they have home insurance too.

  5. Toya Miranda

    Cheap car insurance? What’s that? Lifelong resident of Rockford, IL. I compared lots of rates. Saved roughly $50 a month. Allstate was the most affordable for me.

  6. Norberto Silva

    Affordable car insurance is a myth. I live west of Honolulu, HI. Got quotes from AAA, Nationwide, and Travelers for my 2016 Audi S5 and saved $515 a year. Thankfully I’m not a high risk driver. It never hurts to quote around.

  7. Carroll Sanford

    Just my two cents. I’m from Newark, DE. Compared rates from a lot of places. Saved about $50 a month. State Farm was the cheapest for me. Left MetLife to switch. God forbid I actually have a claim.

  8. Leonor Atkinson

    Just a quick comment on my experience. I live just outside Frederick, MD. Got free quotes online for a 2016 Audi S5. Ended up at about $290 savings annually. Went with GEICO. Have an at-fault accident tho. :)

  9. Shawnna Gutierrez

    Hope my car insurance gets cheaper. I live east of Saint Paul, MN. Compared quite a few companies. Saved darn near $30 a month. GEICO was the best choice for me. Not sure about claim service.

  10. Samuel Harrell

    Live in Fayetteville, Arkansas, and Allstate rates were best.

  11. Mittie Swanson

    GEICO was cheapest for my 2016 Audi S5 in Juneau, AK.

  12. Fran Wheeler

    Great info, thanks for posting. I’m just west of New York City, NY. Got quotes from Hanover, American Family, Mercury, and a couple others for my 2016 Audi S5 and saved just over $110 a year. Left Esurance to switch. BTW speeding tickets are not good.

  13. Vasiliki Carpenter

    Well-written and thought out article. Live in Nashua, NH. Compared rates from a lot of places. Saved right around $50 a month. GEICO was the best choice for me. Good savings if you bundle.

  14. Gudrun Donovan

    Not sure what I should be paying. Live in Anchorage, Alaska. Went online for free insurance quotes for a 2016 Audi S5. Ended up at about $300 savings annually. Went with GEICO. Was with Nationwide. It never hurts to quote around.

  15. Louie Gomez

    I’m just north of Little Rock, Arkansas. I don’t recall every quote but I ended up saving about $40 each month. Did it all online.

  16. Anya Montgomery

    In San Jose, CA, GEICO auto insurance rates for my 2016 Audi S5 were good. Have an at-fault accident tho. Can still barely afford it.

  17. Rachal Christian

    What exactly does liability cover?