Compare 2018 Audi S5 Insurance Rates

Wish you could get a refund on an overpriced insurance policy? Trust us when we tell you many drivers have buyer’s remorse. With consumers having so many different company options, it’s difficult to find the most cost effective company.

Shop auto insurance online

All the larger auto insurance companies allow consumers to get prices direct online. The process is quite simple because it’s just a matter of typing in your coverage information as detailed in the form. Behind the scenes, the quote system will obtain your credit score and driving record and generates a price based on the information you submitted. Online price quotes simplifies rate comparisons, but the time required to go to many different websites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

A more efficient way to find lower prices is to use a quote form that analyzes rates from several companies at one time. It saves time, requires less work, and makes comparison shopping much easier. As soon as you send your information, it is quoted with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you enter as shown on your current policy. Using the same limits helps guarantee you will receive comparison quotes based on similar coverages.

Cheaper insurance quotes with discounts

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specifically requested before being credited.

• Online Discount – Some of the larger companies will give you a small discount for buying a policy and signing up on your computer.
• Senior Citizen Rates – Drivers over the age of 55 may receive a slight reduction on a auto insurance quote on S5 insurance.
• Passenger Safety Discount – Options like air bags or automatic seat belts can get savings of more than 20%.
• Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on S5 insurance with select insurance companies.
• Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new vehicles.
• Own a Home – Owning a house can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
• Discount for Low Mileage – Maintaining low annual mileage could be rewarded with slightly better prices than normal.
• Military Discounts – Having a deployed family member could mean lower premium rates.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, you aren’t that lucky.

For a list of companies offering insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

• Does coverage extend to a rental car in a foreign country?
• Am I covered when driving a rental car?
• Can I afford to buy a different vehicle if my 2018 Audi S5 is totaled?
• Am I covered when pulling a rental trailer?
• Do I pay less if my vehicle is kept in my garage?
• Why do I need rental car insurance?
• Which companies will insure high-risk drivers?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi S5.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people. It does not 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. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your S5 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like pain medications, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, vandalism, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Feed the piggy bank

In this article, we presented a lot of techniques to shop for 2018 Audi S5 insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the lowest auto insurance rates are with a smaller regional carrier. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Lower-priced 2018 Audi S5 insurance can be sourced both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online rate quotes and most of the time these small, regional companies prefer to sell through independent insurance agencies.

Additional information

• State Car Insurance Guides (Geico)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)
• How to Avoid Common Accidents (State Farm)