Lower Your 2016 Audi S5 Car Insurance Rates

Finding the cheapest insurance for your Audi S5 can be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are both good and bad ways to find auto insurance online and we’ll show you the quickest way to price shop coverage for your Audi and find the lowest price either online or from local insurance agents.

It’s a good habit to compare prices before your policy renews since prices are rarely the same from one policy term to another. Just because you had the best rates for S5 insurance two years ago you may be paying too much now. There is a lot of bad advice regarding auto insurance online but in a few minutes you can learn some tested techniques to lower your auto insurance rates.

Shopping for the cheapest insurance coverage coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. Drivers just need to learn the most efficient way to compare rates on the web.

The fastest way that we advise to compare car insurance company rates takes advantage of the fact almost all companies pay for the opportunity to give you rate quotes. All you need to do is take a few minutes to give details such as whether you are married, whether you drive to work or school, if you lease or own, and coverage limits. Those rating factors is sent automatically to multiple companies and they respond with quotes immediately.

Are you receiving every discount?

Insurance can be prohibitively expensive, but there may be some discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but some must be asked for in order for you to get them.

  • Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
  • Discount for Home Ownership – Being a homeowner may earn you a small savings because owning a home means you have a higher level of financial diligence.
  • Driving Data Discount – Drivers that enable data collection to monitor driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
  • Save with More Vehicles Insured – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease for S5 insurance depending on your company.

As a sidenote, some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you can get free auto insurance, you aren’t that lucky. But all discounts will help reduce your insurance premiums.

To locate insurance companies that can offer you the previously mentioned discounts, click here to view.

When in doubt talk to an agent

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions may help you determine whether you may require specific advice.

  • I have health insurance so do I need medical payments coverage?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I wreck a rental car?
  • Is pleasure use cheaper than using my 2016 Audi S5 to commute?
  • Will my rates increase for filing one claim?
  • Do I need added coverage for expensive stereo equipment?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, X-ray expenses, dental work, funeral costs and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your S5 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2016 Audi S5.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, loss of income, emergency aid and bail bonds. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hitting a deer, damage from flooding, hail damage and falling objects. The maximum amount 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.