View 2009 Audi S5 Car Insurance Rates

Searching for better insurance coverage rates for your Audi S5? Having to pay for overpriced insurance coverage can overdraw your checking account, especially in this economy. Comparison shopping is a great way to cut your insurance bill. Numerous insurers battle for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute lowest rate possible.

It’s smart to check insurance coverage prices before your policy renews because rates are rarely the same from one policy term to another. Even if you got the lowest price for S5 coverage last year there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance coverage because you’re about to learn the right way to save on insurance coverage.

If you have a policy now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers just need to know the proper way to buy insurance on the web.

Where Can I Get Cheap Auto Insurance?

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for every auto insurance company.

To find out what other companies charge for 2009 Audi S5 insurance click to open in new window.

The only drawback to pricing coverage this way is you can’t choose which providers you will receive quotes from. So if you want to select specific providers to compare rates, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages for every quote you compare. If you use differing limits it’s impossible to determine which rate is truly the best.

Discounts can save BIG

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but some must be requested specifically prior to receiving the credit. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for S5 coverage than less cautious drivers.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • No Accidents – Claim-free drivers can save substantially as compared to frequent claim filers.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Just because you may think you can get free auto insurance, you’re out of luck. Any qualifying discounts will reduce your premiums.

To see a list of insurers offering auto insurance discounts, click this link.

Will just any policy work for me?

When it comes to buying adequate coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I get collision insurance on every vehicle?
  • If my 2009 Audi S5 is totaled, can I afford another vehicle?
  • At what point should I drop full coverage?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

These factors can influence what you pay for Audi S5 insurance

Smart consumers have a good feel for some of the elements that go into determining car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • More miles equals more premium – The more you drive each year the more you will pay for car insurance. Almost all companies apply a rate based on their usage. Autos not used for work or commuting receive lower rates compared to those used for work or business. If your policy improperly rates your S5 may be wasting your money. Ask your agent if your car insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Do you know you’re credit rating? – Your credit score is a large factor in your rate calculation. If your credit history is lower than you’d like, you could potentially save money when insuring your 2009 Audi S5 by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both tend to get into accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • A clean driving record saves money – Whether or not you get tickets has a big impact on rates. Only having one moving violation can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Extra coverages can waste money – There are a lot of extra bells and whistles that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance are some examples. They may seem like a good idea at first, but if they’re wasting money eliminate them to save money.

Specific coverage details

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Auto collision coverage

This coverage pays for damage to your S5 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle, colliding with a tree, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, a broken windshield, fire damage and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, chiropractic care, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible


Liability insurance can cover damage that occurs to people or other property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi S5.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be a money saver!

We just covered a lot of information how to get a better price on 2009 Audi S5 insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies. They often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Cheap insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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