Lower Your 2014 Audi RS 5 Car Insurance Quotes

Paying cheap premium rates for Driversauto insurance could be challenging for people new to online price comparisons. Because there are so many insurance companies available, it can be a real hassle to find the perfect company for you.

Auto Insurance Discounts

Auto insurance can be pricey, but discounts can save money and there are some available that can help lower your rates. Some of these disounts will be visible at the time you complete a quote, but once in a while a discount must be inquired about before you get the savings.

  • Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for RS 5 insurance with select insurance companies.
  • Payment Discounts – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Safe Drivers – Drivers without accidents could pay up to 40% less for RS 5 insurance than drivers with accident claims.
  • Professional Organizations – Joining qualifying clubs or civic groups could qualify you for a break when shopping for auto insurance.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
  • Switch and Save Discount – A few larger companies give discounts for buying a new policy before your current expiration date. You may see this discount when you get insurance quotes online.

We need to note that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.

The best auto insurance companies and the discounts they provide are:

  • State Farm may include discounts for student away at school, safe vehicle, accident-free, good student, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
  • GEICO discounts include defensive driver, anti-lock brakes, federal employee, emergency military deployment, membership and employees, military active duty, and five-year accident-free.
  • SAFECO has discounts for accident prevention training, anti-theft, bundle discounts, multi-car, homeowner, and teen safety rewards.
  • Farmers Insurance has savings for switch companies, electronic funds transfer, alternative fuel, multi-car, early shopping, pay in full, and mature driver.
  • AAA may have discounts that include good student, AAA membership discount, pay-in-full, education and occupation, anti-theft, and good driver.
  • USAA may offer discounts for new vehicle, multi-policy, defensive driver, driver training, family discount, multi-vehicle, and vehicle storage.

If you need affordable insurance quotes, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your area.

The quickest method we recommend to compare policy rates is to know the trick almost all companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide information including if it has an alarm system, how many miles driven, your general credit rating, and if you’re married. That rating data gets sent immediately to multiple different insurance companies and they return rate quotes within a short period of time.

To check 2014 Audi RS 5 insurance prices now, click here and enter the information requested.

Why your insurance rates might be higher

The best way to find cheaper auto insurance is to take a look at the rating factors that aid in calculating your premiums. When you understand what influences your rates, this allows you to make good choices that can earn you better auto insurance rates. Multiple criteria are taken into consideration when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are not as apparent like where you live or how safe your car is.

The itemized list below are a few of the things used by your company to calculate prices.

  • Proper usage rating affects rates – The more you drive annually the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Cars that have low annual miles qualify for better rates than those that get driven frequently. Improper usage on your RS 5 may be costing you higher rates. Ask your agent if your vehicle rating shows the correct usage for each vehicle.
  • Increase deductibles to save – The deductibles state the amount of money the insured will be required to pay in the event of a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a stationary object, hail damage, and having a roll-over accident. The more of the claim the insured has to pay upfront, the lower your rates will be for RS 5 insurance.
  • Having a spouse pays dividends – Getting married may save some money compared to being single. It usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Alarms and GPS tracking lowers auto insurance rates – Buying a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
  • When should you not file a auto insurance claims? – Insurance companies provide better rates to people who are not frequent claim filers. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Your stress level may be raising your premiums – Did you know that where you work can have an impact on rates? Careers such as lawyers, architects and stock brokers are shown to have higher average rates due to job stress and incredibly demanding work hours. On the other hand, jobs such as farmers, historians and retirees have lower than average premiums for RS 5 insurance.
  • Your location is a factor – Living in a rural area is a positive aspect when shopping for auto insurance. Residents of big cities tend to have more traffic problems and longer commutes to work. Lower population means less chance of accidents and also fewer theft and vandalism claims.
  • Liability protection limits are a factor – Your policy’s liability coverage kicks in if ever you are determined to be liable for an accident. Liability provides for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so do not skimp.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • Do I need more liability coverage?
  • How much liability insurance is required?
  • Do all my vehicles need collision coverage?
  • When can I cancel my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy full coverage?
  • Are my friends covered when driving my 2014 Audi RS 5?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?

If you’re not sure about those 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, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage pays for damage to your RS 5 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like doctor visits, surgery and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, fire damage and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

You can do this!

When getting insurance quotes online, never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies sell through local independent agencies. Cheaper 2014 Audi RS 5 insurance can be purchased online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates.

Drivers leave their current company for many reasons like denial of a claim, high rates after DUI convictions, poor customer service and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

Additional insurance information is available at the links below