Cheaper 2013 Audi RS 5 Car Insurance Rates

Paying for high-priced Audi RS 5 insurance can empty your checking account and force you to make sacrifices. Comparing price quotes is a smart way to tighten up your finances.

Many insurers compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

Cut prices on Audi RS 5 insurance

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • No Accidents – Good drivers with no accidents pay less when compared with bad drivers.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Organization Discounts – Being a member of a professional or civic organization may earn a discount when shopping for car insurance for RS 5 coverage.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for RS 5 coverage with select insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers with the best car insurance discounts, click this link.

Tailor your coverage to you

When buying the right 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. For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Are my friends covered when driving my 2013 Audi RS 5?
  • Is my Audi RS 5 covered if I use it for business?
  • Do I have coverage when using my vehicle for my home business?
  • When should I drop full coverage on my 2013 Audi RS 5?
  • Is my cargo covered for damage or theft?
  • Is upholstery damage covered by car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • What vehicles should carry emergency assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Misconceptions in auto insurance advertisements

State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the companies say the same thing that you’ll save big if you switch your policy. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the right customer that makes them money. An example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A customer who matches those parameters receives the best rates and most likely will save when switching.

Drivers who don’t meet the requirements must pay higher premiums which usually ends up with business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much. That’s the way companies can claim big savings. This illustrates why it is so important to get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings on Audi RS 5 insurance.

Insurance coverage considerations

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.


This coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like medical services, pain and suffering, funeral expenses and structural damage. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

UM/UIM Coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, EMT expenses, X-ray expenses, prosthetic devices and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage

This covers damage to your RS 5 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Shop. Compare. Save.

Budget-conscious 2013 Audi RS 5 insurance can be purchased online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We covered many ways to shop for insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

Much more information about insurance can be read at the links below