2011 Audi S5 Insurance Quotes

Buyers have many options when searching for the best price on Audi S5 insurance. You can either spend your time driving around getting price quotes or utilize the internet to find the lowest rates.

There are more efficient ways to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages for your Audi and obtain the lowest possible price from both online companies and local agents.

It’s smart to price shop coverage quite often since rates are constantly changing. Despite the fact that you may have had the lowest price for S5 coverage a year ago you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you how to quote online to remove unneeded coverages and save money.

Get lower rates on Audi S5 insurance

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be specially asked for before you get the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Paperless Signup – Certain companies will give a small break just for signing your application on their website.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Low Mileage – Keeping the miles down on your Audi could be rewarded with a substantially lower rate.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Auto/Life Discount – Larger companies have a break if you buy auto and life insurance together.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for S5 coverage with a few insurance coverage companies.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will help reduce your premiums.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts might not be offered in every state.

Impacting insurance rates for an Audi S5

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Audi S5 earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Policy add-ons can waste money – There are many extra bells and whistles you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Always keep insurance in force – Driving without insurance can get your license suspended and car insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Being married can save on car insurance – Having a spouse helps lower the price on your policy. Marriage means you’re more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Do you have a high stress job? – Careers like lawyers, business owners and stock brokers are shown to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, jobs such as scientists, students and the unemployed pay the least for S5 coverage.
  • Discounts for multiple policies – The majority of companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to ensure the best deal.
  • High credit ratings translate to low rates – Your credit rating is a important factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. So if your credit history can use some improvement, you could save money insuring your 2011 Audi S5 by improving your rating.

Tailor your coverage to you

When it comes to buying coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Who is covered by my policy?
  • How can I find cheaper teen driver insurance?
  • When should I drop full coverage on my 2011 Audi S5?
  • How much can I save by bundling my policies?
  • Why am I required to get a high-risk car insurance policy?
  • What is high-risk coverage and where do I buy it?
  • Is motorclub coverage worth it?
  • When should I buy a commercial auto policy?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Audi S5.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims like a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, legal defense fees, bail bonds, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

The bottom line

Cost effective 2011 Audi S5 insurance can be found online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We covered some good ideas how to shop for insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced insurance coverage comes from a smaller regional carrier.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, policy non-renewal, an unsatisfactory settlement offer and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be easier than you think.

Much more information about insurance coverage can be found at these links: