Drivers have many options when trying to find the best price on Audi S5 insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to shop for auto insurance and you need to know the proper way to compare rates for a Audi and obtain the cheapest rates from both online companies and local agents.
Audi S5 rate determination is complex
It’s important that you understand the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.
The list below includes some of the items used by your company to calculate your rates.
- Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
- Where do you drive? – The more miles you rack up on your Audi each year the more you will pay for auto insurance. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. If your policy improperly rates your S5 can result in significantly higher rates. Double check that your auto insurance policy is showing how each vehicle is driven, because it can save money.
- Don’t cancel a policy without a new one in place – Not having insurance is illegal and you will pay a penalty because you let your insurance expire. Not only will you pay more, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
- Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates. If your Audi S5 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- With age comes lower rates – Teen drivers are statistically proven to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
- Your location is important – Choosing to live in a rural area can save you money when talking about auto insurance. Lower population means reduced accidents. Drivers in populated areas have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.
- Your credit rating is important – Credit score is a large factor in determining what you pay for auto insurance. So if your credit is lower than you’d like, you could be paying less to insure your Audi S5 by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
How to Get Auto Insurance Comparison Quotes
There are several ways you can shop for auto insurance but there is one way that is less time-consuming than others. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.
The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company can give them a price. This prevents consumers from doing quotation requests to each company.
To compare rates using this form now click here to open in new window.
The single downside to using this type of form is you don’t know exactly the companies you will receive quotes from. So if you want to select from a list of companies to compare prices, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.
Whichever way you use, ensure you are comparing exactly the same coverage information with each company. If each company quotes different deductibles you can’t possibly make an equal comparison.
Don’t pay full price with these discounts
Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
- Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates on auto insurance for S5 insurance.
- Driver Safety – Successfully completing a defensive driving course can save you 5% or more if you qualify.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.
To see a list of insurance companies who offer auto insurance discounts, click here to view.
Your personal situation dictates your coverage
When it comes to choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.
For instance, these questions may help highlight if your insurance needs could use an agent’s help.
- Do I need rental car coverage?
- Does my insurance cover damage caused when ticketed for reckless driving?
- If my Audi S5 is totaled, can I afford another vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Can I still get insurance after a DUI?
- Do I need higher deductibles?
- What are the best liability limits?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Quote more, save more
People leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal or delays in paying claims. No matter why you want to switch, choosing a new company is not as hard as you think.
Discount Audi S5 insurance is definitely available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
In this article, we presented some good ideas how you can get a better price on Audi S5 insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best prices are with an unexpected company.
