Compare 2014 Audi RS 5 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: Apr 8, 2024

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Looking for better insurance coverage rates for your Audi RS 5? Overpriced insurance coverage can consume your checking account and force you to make sacrifices. Doing a rate comparison can be a smart way to tighten up your finances.

Drivers have multiple car insurance companies to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to adequately compare rates.

Don’t miss these discounts

Some companies don’t always list their entire list of discounts very clearly, so the below list has some of the best known and the harder-to-find credits available to you.

  • Low Mileage Discounts – Fewer annual miles on your Audi may enable drivers to earn discounted premium rates on garaged vehicles.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for a slight reduction on a car insurance quote on RS 5 coverage.
  • Distant Student Discount – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Driver Safety – Completing a defensive driving course can save you 5% or more if you qualify.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save 10% or more off the medical payments premium.

While discounts sound great, it’s important to understand that some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.

A partial list of companies that may offer policyholders some of the discounts shown above are:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in your state. To view insurers who offer discounts, enter your zip code here.

Buy car insurance online

To find the best car insurance quotes, there are several ways to compare rate quotes from lots of car insurance companies. By far the easiest way to find the cheapest Audi RS 5 insurance rates is simply to get online rate quotes. This is quite simple and can be completed in just a few minutes using one of these methods.

The most recommended method consumers can make multiple comparisons is to use a rate comparison form. This quick form eliminates the need for separate quote forms for each company you want a rate for. One form submission will get you price quotes from many national carriers.

A harder way to get comparison quotes requires you to visit the website of each company and repeat the quote process. For instance, let’s say you want to compare rates from Liberty Mutual, State Farm and Allstate. To do that, you would have to navigate to each company’s site and type in your information over and over, which is why first method is recommended.

The least efficient and most time consuming way to quote and compare insurance rates is physically going to different agent offices. Quoting and buying insurance online can eliminate the need for a local agent unless you want the extra assistance that you can only get from talking to an agent. It is possible with some companies get the lowest quotes online but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just do your best to enter the same quote information on every price quote you get. If you have mixed coverages it will be very difficult to make a fair rate comparison. Slightly different insurance coverages can result in a big premium difference. And when comparison shopping, comparing all the rates in your area gives you a better chance of getting a lower rate than you’re paying now.

What determines Audi RS 5 insurance premiums?

The best way to find cheaper insurance coverage is to take a look at some of the factors that go into determining the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that can earn you big savings.

The items below are most of the major factors used by your company to calculate premiums.

  • Your address can push rates up or down – Residing in a rural area is a good thing when insuring your vehicles. Less people means fewer accidents as well as less vandalism and auto theft. Urban drivers have to deal with more traffic problems and more time behind the wheel. Higher commute times translates into higher accident risk.
  • Decrease insurance coverage rates by maintaining coverage – Letting your insurance expire will be a fast way to increase your renewal premiums. In addition to paying higher premiums, failure to provide proof of insurance can result in fines or a revoked license.
  • Your vocation can affect premiums – Careers such as military generals, police officers and miners have the highest rates in part from job stress and incredibly demanding work hours. Conversely, occupations such as professors, engineers and the unemployed generally pay rates lower than average on RS 5 coverage.
  • Men drivers tend to cost more – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women are in accidents in similar percentages, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.

Special considerations

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • How high should deductibles be on a 2014 Audi RS 5?
  • Am I covered when driving in Canada or Mexico?
  • Is other people’s property covered if stolen from my vehicle?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I crash into my own garage door?
  • Is there coverage for injuries to my pets?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete your zip code.

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for hospital visits, pain medications, surgery and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, legal defense fees and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi RS 5.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Do the work, save more money

Cheaper car insurance can be bought on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get quotes online and many times these smaller providers work with independent agencies.

Throughout this article, we presented many ideas to get a better price on 2014 Audi RS 5 insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap car insurance. You may even discover the lowest prices come from the least-expected company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

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