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 auto insurance rates for your Audi S5? Searching for the cheapest insurance for an Audi S5 could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to price shop coverage on a Audi and get the cheapest rates from both online companies and local agents.

Finding the best rates is quite easy. If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. Drivers only need an understanding of the tricks to compare price quotes on the web.

Cheap car insurance price quotes

All the larger car insurance companies provide pricing on the web. Doing online quotes is very simple as you simply enter your coverage information into a form. After the form is submitted, their rating system gets information on your driving record and credit history and gives you a price quote based on the data you entered.

Being able to quote online makes it easy to compare insurance prices but the work required to visit many different websites and type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price possible.

There is a better way!

A better way to compare car insurance pricing uses just one form that obtains quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more efficient. After sending the form, it gets priced and you are able to buy any one of the quotes that you receive. If you find a better price you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out if lower rates are available, click here and enter your information. If you have a policy now, it’s recommended you copy the insurance coverages as close as possible to your current policy. This ensures you will have an apples-to-apples comparison based on similar coverages.

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

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Car insurance savings promises

Consumers can’t avoid all the ads that claim the best auto insurance rates by companies like Allstate and Progressive. They all tend to make the same promise of big savings if you get a free auto insurance quote and switch your car insurance policy to them.

But how can every company lower your auto insurance rates? This is the trick they use.

Car insurance companies have strict underwriting profiles for the right customer that will be a good risk. A good example of a driver they prefer should be between 30 and 50, carries high limits, and has a short commute. Any driver who matches those parameters will qualify for the lowest auto insurance rates as well as cut their rates if they switch.

Drivers who may not quite match those standards may be forced to pay higher premiums and this results in the customer buying from someone else. Company advertisements say “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can confidently advertise the savings. Because each company has a different risk profile, you need to do a quote comparison often. It’s just too difficult to predict which company will give you lower prices than your current company.

Find hidden discounts to get affordable auto insurance rates

Auto insurance companies don’t always advertise all possible discounts in an easy-to-find place, so the next list breaks down both the well known and the harder-to-find credits that may apply to you.

  • Federal Government Employee – Active or former government employment could cut as much as 10% off for S5 coverage depending on your auto insurance provider.
  • Discount for New Cars – Buying a new car instead of a used car can save you some money since new vehicles are generally safer.
  • Bundle and Save – If you have multiple policies with the same insurance company you could save nearly 15% which can help you find low cost auto insurance.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to insureds who have frequent claims or accidents.

Policy discounts save money, but many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

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

  • Progressive may include discounts for multi-policy, multi-vehicle, continuous coverage, homeowner, and good student.
  • MetLife has savings for defensive driver, multi-policy, accident-free, claim-free, and good student.
  • Mercury Insurance offers premium reductions for ease of repair, annual mileage, age of vehicle, accident-free, good student, and anti-theft.
  • Nationwide may offer discounts for good student, Farm Bureau membership, anti-theft, multi-policy, easy pay, business or organization, and defensive driving.
  • GEICO offers discounts for good student, defensive driver, membership and employees, five-year accident-free, and daytime running lights.
  • AAA policyholders can earn discounts including multi-policy, education and occupation, AAA membership discount, good driver, anti-theft, pay-in-full, and multi-car.

If you need lower rates, check with each company or agent which discounts they offer. Discounts may not be offered in every state.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions can aid in determining if your insurance needs may require specific advice.

  • When should my teen driver be added to my policy?
  • Am I covered if I wreck a rental car?
  • Do I need replacement cost coverage?
  • Am I covered when driving a rental car?
  • Is my cargo covered for damage or theft?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • If I drive on a suspended license am I covered?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

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

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The coverage is in the details

Understanding the coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like funeral costs, ambulance fees, surgery, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

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

Collision insurance covers claims such as crashing into a building, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance

This provides protection from damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like medical services, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Final thoughts

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions and denial of a claim. Regardless of your reason, finding a new company is easier than you think.

You just learned a lot of techniques to get a better price on 2013 Audi S5 insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies.

Discount 2013 Audi S5 insurance is available from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some companies may not offer online price quotes and these small, regional companies work with independent insurance agencies.

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