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: Jun 24, 2018

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Trying to find better auto insurance rates for your Audi S5? Pricey Audi S5 insurance can draw down your bank account and force you to make tough financial choices. Shopping your coverage around can be a smart way to lower your bills every month.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers and get the definite lowest cost out there.

Buy car insurance online

Most of the larger companies such as 21st Century, Allstate and State Farm allow consumers to get coverage price quotes directly from their websites. Comparing rates online is fairly straightforward as all you need to do is type in your coverage information into a form. Once you submit the form, their rating system sends out for information on your driving record and credit history and returns pricing information based on these factors. Quoting online makes comparing rates easy, but having to visit each company’s website and repetitively type in the same information gets old quite quickly. Unfortunately, it is important to perform this step in order to get the lowest possible prices on car insurance.

The easiest way to compare car insurance pricing uses one simple form to return rates from several companies at one time. The form is fast, eliminates form submissions, and makes comparison shopping much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any or none of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you input coverages and limits just like they are on your policy. This way, you will have a fair comparison for the exact same coverage.

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

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Insurance coverage can be complex

When it comes to choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • Am I covered when driving in Canada or Mexico?
  • Do I have newly-aquired coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • I have health insurance so do I need medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Collision – This pays for damage to your S5 caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, backing into a parked car, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses like dental work, nursing services and prosthetic devices. They 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 as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage, vandalism and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as structural damage, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Audi S5.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.