2017 Audi S5 Car Insurance Quotes – 7 Ways to Save

Drivers new to buying insurance online will discover sourcing the cheapest insurance can be quite difficult.

You should make it a habit to shop coverage around before your next renewal since prices are usually higher with each renewal. Just because you found the lowest rate for S5 insurance last year you may be paying too much now. There is a lot of bad information regarding insurance coverage on the internet, but in a few minutes you can learn some great ideas on how to quit paying high insurance coverage rates.

Find discounts on insurance

Buying insurance is not cheap, but you might already qualify for some discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be inquired about before you will receive the discount.

• Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
• Homeowners Discount – Owning a house can help you save on insurance because owning a home is proof of financial responsibility.
• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for S5 insurance as compared to drivers with claims.
• Sign Early and Save – Some larger companies reward drivers for renewing your policy before your current expiration date. It’s a savings of about 10%.
• Bundle and Save – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may earn 10% to 20% off each policy.
• Passive Restraints and Air Bags – Options like air bags can receive discounts of more than 20%.
• Save with More Vehicles Insured – Buying a policy with all your vehicles with the same insurance company could earn a price break for each car.

Remember that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large insurance companies and a selection of discounts can be found below.

• Geico may have discounts that include good student, daytime running lights, seat belt use, anti-theft, defensive driver, driver training, and air bags.
• SAFECO offers discounts including teen safety rewards, teen safe driver, homeowner, bundle discounts, and anti-theft.
• State Farm policyholders can earn discounts including anti-theft, student away at school, safe vehicle, good student, good driver, and Steer Clear safe driver discount.
• MetLife discounts include claim-free, good student, accident-free, good driver, multi-policy, and defensive driver.
• 21st Century has discounts for automatic seat belts, theft prevention, 55 and older, early bird, and good student.
• Progressive offers discounts for homeowner, online quote discount, good student, multi-policy, online signing, continuous coverage, and multi-vehicle.

Before buying, ask every prospective company to give you their best rates. A few discounts may not be offered in your area. To see insurance companies who offer discounts, click here.

Shop insurance coverage online

To get the cheapest insurance quotes, there a variety of ways of comparing price quotes from many different insurance companies. The simplest method to compare rates consists of obtaining rate quotes online. This is quite simple and can be completed by using one of the methods below.

1. The single most time-saving way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating a different quote for every company. Just one form compares rates instantly. Just one form and you’re done.
2. A less efficient way to analyze rates consists of visiting the website for each individual company and go through the quote process again. For example, let’s assume you want to see prices from Allstate, Liberty Mutual and American Family. In order to get each rate, you would have to visit each site and enter your information, which can get rather old. For a list of links to insurance companies in your area, click here.
3. The most difficult way to get rate quotes is physically going to insurance agencies in your area. Comparing rates online makes this process obsolete unless you’re the type of person who wants the trained advice of a local agency. It is possible with some companies comparison shop online and have a local agent actually service the policy.

It’s your choice how you get your quotes, but compare equivalent quote information for every quote you compare. If each company quotes different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Even a minor difference in coverages may result in large price differences. And when comparing insurance coverage rates, know that having more price comparisons helps improve the odds of finding a lower rate than you’re paying now. Not every company provides online rate quotes, so you also need to get price quotes from them, too.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is an SR-22 filing?
• Does my personal policy cover me when driving out-of-state?
• Am I covered if I break a side mirror?
• How high should my uninsured/underinsured coverage be in my state?
• What is the ISO rating for a 2017 Audi S5?
• Is motorclub coverage worth it?
• If my 2017 Audi S5 is totaled, can I afford another vehicle?
• Am I covered when driving in Canada or Mexico?

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 insurance agent. To find lower rates from a local agent, simply complete this short form.

Parts of your auto insurance policy

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, funeral costs, surgery and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, theft and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage – This provides protection from damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, attorney fees and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverage – This covers damage to your S5 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Save for a rainy day

Consumers who switch companies do it for any number of reasons including delays in paying claims, high prices, poor customer service and high rates after DUI convictions. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

The cheapest 2017 Audi S5 insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent insurance agencies.

Throughout this article, we presented many ideas to save on 2017 Audi S5 insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from an unexpected company.

Much more information about auto insurance can be read on the following sites:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)