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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Scraping up a payment for pricey Audi S5 insurance can dry up your funds, especially in this economy.

Because you have many insurance coverage companies to choose from, it is very difficult to choose the most cost effective company.

Shopping for the cheapest coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who has to buy auto insurance will be able to cut their insurance bill. Nevertheless, consumers do need to learn how companies market on the web.

Free car insurance price quotes

Most of the larger companies like Progressive, Allstate and GEICO make it easy to get pricing online. This process is fairly straightforward as you just enter the coverages you want into the quote form. When complete, the system collects information on your driving record and credit history and returns a price based on the information you submitted. Online price estimates makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in your information gets old quite quickly. But it’s absolutely necessary to do this in order to find a better rate.

The better way to compare rates

A less time-consuming method to lower your car insurance bill is to use a quote form that analyzes rates from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes a little more enjoyable. As soon as the form is sent, your coverage is rated and you can select any one of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and may result in a nice savings.

To save time and use this form to compare rates, click here and submit the form. If you currently have coverage, we recommend you duplicate your coverages exactly as shown on your declarations page. Doing this assures you will receive a rate comparison based on identical coverages.

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

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Get cheaper insurance with discounts

Car insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

  • Mature Driver Discount – Drivers that qualify as senior citizens could receive a discount up to 10% on S5 coverage.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Discount for Low Mileage – Fewer annual miles on your Audi could earn better premium rates on cars that stay parked.
  • Paper-free Discount – A few insurance companies provide a small discount shop car insurance online.
  • Driver Safety – Taking part in a defensive driver class is a good idea and can lower rates and make you a better driver.
  • Telematics Data – Insureds that choose to allow driving data submission to analyze where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and some of their more popular discounts are:

  • The Hartford has discounts for defensive driver, vehicle fuel type, good student, air bag, driver training, bundle, and anti-theft.
  • American Family has savings for Steer into Savings, good driver, defensive driver, accident-free, mySafetyValet, TimeAway discount, and multi-vehicle.
  • Progressive offers discounts for multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.
  • Travelers may include discounts for save driver, driver training, IntelliDrive, hybrid/electric vehicle, and multi-policy.
  • Farmers Insurance includes discounts for homeowner, teen driver, switch companies, business and professional, electronic funds transfer, bundle discounts, and good student.
  • USAA offers discounts including driver training, vehicle storage, new vehicle, family discount, defensive driver, and annual mileage.
  • Liberty Mutual policyholders can earn discounts including safety features, new move discount, newly retired, multi-car, new vehicle discount, new graduate, and hybrid vehicle.

If you need lower rates, check with every company how you can save money. Savings might not apply in your area. If you would like to see a list of insurance companies that offer discounts, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Who is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, pain medications, dental work, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Audi S5.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your S5 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, legal defense fees and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

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

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More comparisons equals lower rates

We covered quite a bit of information on how to reduce 2012 Audi S5 insurance premium rates online. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with the least-expected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

When searching for affordable car insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped full coverage only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

More tips and info about insurance coverage is located by following these links: