2015 Audi S5 Insurance Rates in 2024 – 9 Tricks for Best Quotes

Drivers have many options when trying to find low-cost Audi S5 insurance. They can either spend hours driving around trying to get quotes or utilize the internet to find the lowest rates. There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to price shop coverage for your Audi and obtain the lowest price either online or from local insurance agents.

Smart consumers take time to compare premium rates as often as possible because car insurance prices change quite often. Even if you think you had the lowest price on S5 insurance a few years ago a different company probably has better rate quotes today. You’ll find quite a bit of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn some of the best ways to stop overpaying for insurance.

Nine discounts for cheap insurance rates

The price of auto insurance can be rather high, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time of purchase, but a few must be specially asked for before you get the savings.

• Memberships – Belonging to certain professional organizations could earn you a nice discount when shopping for insurance.
• Resident Student – Any of your kids living away from home attending college and leave their car at home can receive lower rates.
• Buy New and Save – Buying insurance coverage on a new vehicle can get you a discount because new vehicles keep occupants safer.
• Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy qualifies for this discount.
• Paper-free Discount – Many insurance companies will provide an incentive for buying a policy and signing up on their website.
• Theft Deterrent – Cars that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Sign Early and Save – A few companies give discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
• Multi-policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may save over 10 percent off each policy depending on the company.
• Multi-line Discount – Larger insurance companies have better premium rates if you take out a life insurance policy as well.

It’s important to note that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Large insurance companies and a summarized list of policyholder discounts can be found below.

• State Farm includes discounts for passive restraint, good student, multiple autos, good driver, accident-free, anti-theft, and student away at school.
• American Family policyholders can earn discounts including accident-free, good driver, early bird, bundled insurance, multi-vehicle, air bags, and Steer into Savings.
• AAA may include discounts for education and occupation, good student, pay-in-full, anti-theft, multi-policy, AAA membership discount, and multi-car.
• GEICO has savings for emergency military deployment, driver training, anti-theft, daytime running lights, and federal employee.
• Mercury Insurance discounts include professional/association, low natural disaster claims, anti-theft, multi-policy, location of vehicle, multi-car, and good driver.
• Farmers Insurance has discounts for early shopping, distant student, mature driver, good student, switch companies, bundle discounts, and alternative fuel.
• Progressive offers discounts for multi-vehicle, homeowner, continuous coverage, good student, multi-policy, and online quote discount.

If you need lower rates, check with every company how many discounts you can get. Depending on the company, some discounts may not be offered in your area. If you would like to choose from a list of providers who offer free insurance quotes, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• Do I need rental car coverage?
• Do all my vehicles need collision coverage?
• What is the ISO rating for a 2015 Audi S5?
• Is a new car covered when I drive it off the dealer lot?
• Is other people’s property covered if stolen from my vehicle?
• Exactly who is provided coverage by my policy?
• Is my trailer covered?
• Does my policy cover me when driving someone else’s vehicle?
• Can I afford to pay high deductible claims out of pocket?
• How high should deductibles be on a 2015 Audi S5?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Audi S5.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This pays for damage to your S5 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car, crashing into a ditch, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft, damage from getting keyed and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as doctor visits, nursing services, X-ray expenses and funeral costs. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance will cover damage that occurs to a person or their property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things like attorney fees, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

More choices the merrier

Lower-priced 2015 Audi S5 insurance is possible from both online companies and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not have price quotes online and usually these smaller providers work with independent agencies.

Drivers switch companies for a number of reasons such as not issuing a premium refund, high prices, denial of a claim or even questionable increases in premium. Regardless of your reason, finding the right car insurance provider can be pretty painless.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.