Cheaper 2013 Audi S5 Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jun 11, 2024

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Are you overwhelmed by the sheer number of insurance sources that you can choose from? You have so many sources available that it is a burden to locate the lowest insurance rates.

Why smart buyers pay less for Audi S5 insurance

Lots of things are considered when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are less apparent like your continuous coverage or your vehicle rating. Smart consumers have a good feel for some of the elements that go into determining your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that will entitle you to lower premium levels.

  • Being married reduces risk – Your spouse may cut your premiums when buying insurance. It translates into being more mature than a single person and insurance companies like that married drivers tend to file fewer claims.
  • Never have policy lapses – Allowing your insurance policy to lapse is a guaranteed way to bump up your insurance costs. And not only will your rates increase, not being able to provide proof of insurance could earn you a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Obey driving laws and save – Just one driving citation could increase your next policy renewal twenty percent or more. Good drivers receive lower rates compared to bad drivers. Drivers with severe violations such as DUI or willful reckless driving may be required to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • When should you file a insurance claims? – If you are a frequent claim filer, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies award better rates to drivers who are not frequent claim filers. Your insurance policy is designed for claims that you cannot pay yourself.
  • Do you qualify for a multi-policy discount? – Lots of insurers will award lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal. You may still save even more than the discount by buying insurance from more than one company.

Lower rates by qualifying for discounts

Car insurance companies do not list all their discounts very well, so the following list contains both the well known as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Resident Student – College-age children who live away from home to go to college and do not take a car to college could get you a discount.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current coverage expires. The savings is around 10%.
  • Drive Less and Save – Low annual miles could qualify for better prices on cars that stay parked.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • GEICO may include discounts for air bags, military active duty, anti-lock brakes, seat belt use, and driver training.
  • Travelers may offer discounts for early quote, multi-policy, good student, student away at school, and driver training.
  • Nationwide offers discounts including anti-theft, family plan, accident-free, defensive driving, good student, multi-policy, and business or organization.
  • Farmers Insurance may have discounts that include alternative fuel, distant student, switch companies, multi-car, and teen driver.
  • Esurance has discounts for safety device, good student, anti-theft, defensive driver, good driver, and claim free.
  • State Farm policyholders can earn discounts including defensive driving training, passive restraint, Drive Safe & Save, anti-theft, and multiple autos.
  • Progressive includes discounts for online quote discount, online signing, continuous coverage, multi-vehicle, multi-policy, and good student.
  • Mercury Insurance offers premium reductions for anti-theft, annual mileage, accident-free, ease of repair, and multi-car.

If you are trying to find affordable car insurance quotes, ask all the companies what discounts are available to you. Some discounts listed above might not apply in your area. To locate insurers who offer online insurance quotes, enter your zip code here.

Insurance advertising tricks

Well-known car insurance companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all seem to make an identical promise that you can save if you change your car insurance policy to them. How does every company save you money? It’s all in the numbers.

All companies have a preferred profile for the driver that will add to their bottom line. One example of a desirable insured could possibly be a married male, insures multiple vehicles, and drives newer vehicles. A prospective insured who meets those qualifications will get low prices and therefore will save some money.

Consumers who don’t meet these stringent criteria may receive a more expensive rate and ends up with the customer buying from someone else. The wording the ads use say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how companies can truthfully claim big savings. Because each company has a different risk profile, you absolutely need to get car insurance quotes as often as possible. It’s impossible to know which company will provide you with the cheapest rates.

Insurance is unique, just like you

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine whether you will benefit from professional help.

  • How do I insure my teen driver?
  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy only the required minimum liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Insurance policy coverages for an Audi S5

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Audi S5.

Due to the fact that 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.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for rehabilitation expenses, prosthetic devices, nursing services, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, loss of income, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, rock chips in glass, hail damage, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Saving money is sweet as honey

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, delays in paying claims or even questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Low-cost 2013 Audi S5 insurance is definitely available both online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not have rate quotes online and most of the time these smaller companies work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability coverage limits and discovered at claim time that it was a big mistake. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.

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