2017 Audi S5 Car Insurance Rates – 5 Ideas for Cheapest Quotes

Trying to find the cheapest auto insurance rates for your Audi S5? Saving money on auto insurance could be hard for drivers who are new to shopping for insurance online. Because there are so many insurers to choose from, it can be a real hassle to find the perfect company for you.

It’s a good habit to compare prices periodically because prices tend to go up over time. Even if you think you had the best deal on S5 insurance a couple years back there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate the proper way to reduce your cost while improving coverage.

Five discounts to earn cheap insurance coverage rates

Insurance coverage is neither fun to buy or cheap, but you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

• New Vehicle Savings – Buying a new car model can get you a discount since new model year vehicles have better safety ratings.
• Low Mileage Discounts – Driving less may enable drivers to earn substantially lower insurance coveragerates.
• Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Service Members Pay Less – Having a deployed family member could trigger a small discount.
• Mature Driver Discount – Seniors may be able to get a discount up to 10% on S5 insurance.

One last thing about discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your premiums.

To see insurance coverage companies that offer discounts, click here.

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Well known brands might not be cheapest

Respected companies like Progressive, Allstate and Geico seem to constantly run television, radio, and online ads. They all advertise the message that people will save if you switch your auto insurance policy to them. It sounds good, but how can they all cost less than your current company? It’s all in the wording.

Many companies provide the lowest rates for the type of customer that will not have excessive claims. For example, a driver they prefer may need to be a female over age 40, has had continuous coverage, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and will most likely save a lot of money.

Drivers who don’t measure up to those standards will be quoted higher prices and this results in the prospect going elsewhere. The ads say “customers who switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can make those claims. This illustrates why drivers must get insurance quotes as often as possible. Because you cannot predict the company that will have better car insurance rates than you’re paying now.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

• What is no-fault insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Can I make deliveries for my home business?
• What can I do if my company won’t pay a claim?
• How much liability insurance is required?
• Do I need roadside assistance coverage?
• Is motorclub coverage worth it?
• Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Audi S5.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This coverage pays for damage to your S5 resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, pain and suffering, attorney fees, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for dental work, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

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You can do this!

We covered a lot of information how to save on 2017 Audi S5 insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with the smaller companies.

Lower-priced 2017 Audi S5 insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not have the ability to get a quote online and usually these regional carriers sell through independent insurance agents.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, denial of a claim and even high prices. Whatever your reason, choosing a new company can be pretty painless.

For more information, link through to the resources below:

• Vehicle Size and Weight FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)

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