Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Trying to find the cheapest insurance coverage rates for your Audi S5? Sick and tired of being strong-armed to pay insurance coverage each month? You are in the same boat as most other vehicle owners.

Big-name insurance companies like GEICO, 21st Century and Progressive continually bombard you with advertising and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It is always a good idea to check insurance coverage prices periodically because prices are constantly changing. If you had the best rate on S5 insurance a couple years back there may be better deals available now. You can find a lot of information about insurance coverage online but by reading this article, you’re going to learn some great ways to lower your insurance coverage premiums.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding affordable coverage is not that difficult. Although consumers must learn how companies sell online and take advantage of how the system works.

Take advantage of every car insurance discount

Insuring your vehicles can cost a lot, but there could be available discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance because owning a home requires a higher level of personal finance.
  • Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
  • Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on your bill.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Accident Waiver – Not a discount per se, but companies like GEICO, Allstate and Liberty Mutual permit an accident without the usual rate increase with the catch being you have to be claim-free for a set time period.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

A list of car insurance companies and the discounts they provide can be found below.

  • State Farm may include discounts for anti-theft, safe vehicle, multiple autos, passive restraint, and Drive Safe & Save.
  • Nationwide has discounts for multi-policy, good student, family plan, Farm Bureau membership, accident-free, anti-theft, and business or organization.
  • GEICO policyholders can earn discounts including membership and employees, daytime running lights, multi-policy, driver training, and five-year accident-free.
  • AAA includes discounts for education and occupation, anti-theft, multi-policy, good student, and pay-in-full.
  • 21st Century may have discounts that include anti-lock brakes, teen driver, automatic seat belts, student driver, theft prevention, homeowners, and defensive driver.
  • The Hartford has savings for driver training, defensive driver, bundle, vehicle fuel type, good student, anti-theft, and air bag.

If you want low cost insurance quotes, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier may not apply in your state.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Finding insurance coverage

When shopping for insurance coverage there are multiple ways of comparing rates from lots of insurance coverage companies. By far the easiest way to find the cheapest 2009 Audi S5 insurance rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

  1. The most efficient way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for each price estimate. Taking the time to complete one form will get you price quotes from insurance coverage companies with the best prices.
  2. A less efficient way to get quotes online is going to each individual company website and repeat the quote process again and again. For sake of this example, let’s assume you want to see prices from Nationwide, State Farm and Progressive. In order to compare rates, you need to spend time going to each site individually and punch in your information repeatedly, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

  3. If you have time to kill, the last way to compare price quotes is calling or driving to all the different insurance agencies. Doing it all online makes this process obsolete unless you want the professional advice of a local agency. Some companies do allow you to obtain prices from the web and get advice from an agent in your area.

Whichever method you choose, make sure you are using exactly the same deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it’s impossible to find the best deal for your Audi S5. Just a small difference in insurance coverages could mean much higher rates. And when comparison shopping, more quotes will increase your chances of finding a better price.

How to know if you need help

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered when they drive my 2009 Audi S5?
  • Should I waive the damage coverage when renting a car?
  • Is pleasure use cheaper than using my 2009 Audi S5 to commute?
  • Should I rate my 2009 Audi S5 as pleasure use or commute?
  • What is the minimum liability in my state?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to a rental car in a foreign country?
  • What can I do if my company denied a claim?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Comprehensive coverages

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

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle, hitting a deer, rock chips in glass and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as bail bonds, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, backing into a parked car, rolling your car, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, ambulance fees, prosthetic devices and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Enter your zip code below to view companies that have cheap auto insurance rates.

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A fool and his money are soon parted

Some car insurance companies do not provide rate quotes online and these regional carriers provide coverage only through independent agencies. Cheaper car insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to have the best selection.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and learned later that the savings was not a smart move. Your objective should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

We just covered some good ideas how to get a better price on 2009 Audi S5 insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with an unexpected company. They often have lower auto insurance rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

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