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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding more affordable coverage rates for Driverscar insurance might be kind of frustrating for drivers who are beginners to comparison shopping online. You have so many options that it can be hard work to lower your prices.

Choosing the best insurance company for you is quite easy. In a nutshell, everyone who shops for car insurance stands a good chance to be able to cut their insurance bill. But vehicle owners need to have an understanding of the way insurance companies market insurance on the web and use this information to your advantage.

Cheapest insurance coverage price quotes

Comparing insurance coverage rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

All the larger companies participate in an industry program where prospective buyers submit one quote, and each company then gives them pricing for coverage. This system prevents you from having to do quote requests for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).

The one downside to getting quotes like this is you don’t know exactly which providers you want to price. So if you want to choose individual companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just make sure you use equivalent coverage information with every price quote. If you have mixed coverages you will not be able to determine the best price for your Audi S5. Even a minor difference in insurance coverages could throw off the whole comparison. And when comparison shopping, comparing a large number of companies will enable you to find better pricing.

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

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Car Insurance Discounts

Auto insurance companies don’t list their entire list of discounts very clearly, so the following is a list of some of the best known and also the lesser-known car insurance savings.

  • Professional Memberships – Joining qualifying employment or professional organizations can get you a small discount when getting a insurance quote.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Homeowners Discount – Owning a house can save you money because owning a home requires a higher level of personal finance.
  • Good Student Discount – Being a good student may save as much as 25% on a insurance quote. Most companies allow this discount up until you turn 25.
  • Student Driver Training – Have your child enroll and complete driver’s education in high school.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on S5 coverage but check with your company.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a small discount if you purchase some life insurance too.
  • Cautious Driver Discounts – Accident-free drivers can save up to 40% or more on their insurance quote on S5 coverage than drivers with accidents.
  • Telematics Data Discounts – People who choose to allow their company to scrutinize vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

A list of companies and some of their more popular discounts are detailed below.

  • Progressive offers premium reductions for online quote discount, continuous coverage, homeowner, good student, multi-vehicle, and multi-policy.
  • AAA policyholders can earn discounts including multi-car, pay-in-full, AAA membership discount, education and occupation, good student, and good driver.
  • Farmers Insurance discounts include homeowner, business and professional, mature driver, electronic funds transfer, early shopping, and youthful driver.
  • GEICO may have discounts that include military active duty, multi-vehicle, anti-theft, five-year accident-free, good student, and daytime running lights.
  • Esurance may include discounts for online shopper, safety device, anti-theft, anti-lock brakes, Switch & Save, and DriveSense.
  • SAFECO includes discounts for teen safety rewards, bundle discounts, homeowner, multi-car, and anti-theft.
  • State Farm offers discounts including multiple autos, multiple policy, Drive Safe & Save, defensive driving training, student away at school, safe vehicle, and Steer Clear safe driver discount.

Before you buy a policy, ask each company what discounts are available to you. A few discounts may not apply in your area. If you would like to view car insurance companies that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • What if I owe more than I can insure my car for?
  • Am I covered when driving on a suspended license?
  • Is business property covered if stolen from my car?
  • How much can I save by bundling my policies?
  • Does my 2011 Audi S5 need full coverage?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Buy Audi S5 insurance more affordably

Part of the auto insurance buying process is learning the rating factors that help calculate auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you lower premium levels.

  • Use but don’t abuse your insurance – If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Car insurance companies provide lower rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Multi-policy discounts can save money – The majority of companies apply lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, it’s still a good idea to comparison shop to help ensure you have the lowest rates. You may still save even more even if you have your coverage with different companies
  • Urban residents pay more – Being located in small towns and rural areas has definite advantages if you are looking for the lowest rates. Lower population means a lower chance of having an accident in addition to fewer liability claims. Urban drivers have more traffic problems and more severe claims. The longer drive time translates into higher accident risk.
  • Extra coverages can add up – Policies have additional coverages that can add up but may not be useful. Coverages for vanishing deductibles, high-cost glass coverage, and additional equipment coverage could be just wasting money. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.
  • Younger drivers cost more – Older insureds are more responsible, cause fewer claims and accidents and are safer drivers.Teenage drivers are known to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.

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

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Beware of misleading insurance coverage ads

Popular insurance coverage providers such as Progressive, Allstate and GEICO consistently run ads on television and other media. All the companies advertise the message about saving some big amount just by switching to their company. Is it even possible that every company can give you a lower rate? Here is how they do it.

Companies have specific guidelines for the type of driver that is profitable for them. A good example of a desirable insured might be described as between the ages of 30 and 50, has no claims, and drives newer vehicles. Any person that matches those criteria gets the lowest car insurance rates and most likely will cut their rates if they switch.

Potential customers who are not a match for these stringent criteria will get a more expensive rate which results in the customer not purchasing. The trick companies use is to say “drivers that switch” not “all people who quote” save that much when switching. That’s why companies can truthfully advertise the savings. Different companies use different criteria so you really need to compare rate quotes every year. It is impossible to predict with any certainty which company will have better prices than you’re paying now.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses like surgery, EMT expenses, ambulance fees and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Audi S5.

Since a lot of 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.

Liability – This can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical expenses, pain and suffering, funeral expenses, court costs and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision coverages – This coverage will pay to fix damage to your S5 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, fire damage and theft. 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 it’s probably time to drop comprehensive insurance.

More choices the merrier

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, questionable increases in premium or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company can be less work than you think.

Cheaper car insurance can be found both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not offer rates over the internet and most of the time these small, regional companies only sell through local independent agents.

Throughout this article, we presented many ideas to save on 2011 Audi S5 insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest auto insurance rates are with an unexpected company.

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