Lower Your 2018 Audi RS 5 Insurance Quotes 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 cheaper auto insurance rates? Shoppers have lots of choices when shopping for affordable Audi RS 5 insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance and we’ll show you the best way to quote coverages for your Audi and locate the cheapest rates from local insurance agents and online providers.

Smart consumers take time to do rate comparisons occasionally due to the fact that insurance prices change regularly. Even if you got the best rate for RS 5 coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to find lower rates on auto insurance.

If you have a current auto insurance policy or need new coverage, you can use these tips to cut your premiums and possibly find even better coverage. This article will help educate you on the best way to quote coverages. Drivers just need to know the proper methods to get comparison quotes online.

How to buy insurance coverage online

There are a lot of ways to shop for insurance coverage, and some are easier and takes less work. You could waste time talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and each company then returns a price quote based on that data. This saves time by eliminating quotation requests to each individual insurance coverage company.

To enter your information into the quoting system, enter your zip code here.

The only drawback to doing it this way is you can’t choose which carriers you want pricing from. So if you want to choose specific providers to compare, we have a page of low cost insurance coverage companies in your area. Click to enter zip code.

Whichever way you use, make sure you are using identical coverage limits on every quote. If you enter different values for each quote you will not be able to determine the lowest rate for your Audi RS 5.

Find discounts to get cheap car insurance quotes

Some insurers don’t always publicize all possible discounts in an easy-to-find place, so below is a list both the well known and also the more inconspicuous discounts that may be available. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Student in College – Kids who live away from home at college and don’t have a car may qualify for this discount.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Multiple Vehicles – Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Paperless Signup – Some of the larger companies will provide an incentive for buying your policy online.
  • Sign Early and Save – Some insurance companies reward drivers for renewing your policy before your current coverage expires. The savings is around 10%.
  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • Discounts for New Vehicles – Buying coverage on a new vehicle may earn a small discount compared to insuring an older model.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

A few popular companies and some of the discounts can be read below.

  • State Farm may include discounts for anti-theft, defensive driving training, passive restraint, safe vehicle, and student away at school.
  • Farmers Insurance offers discounts including bundle discounts, multi-car, business and professional, teen driver, switch companies, electronic funds transfer, and mature driver.
  • GEICO has discounts for federal employee, multi-policy, daytime running lights, defensive driver, anti-lock brakes, driver training, and emergency military deployment.
  • American Family may have discounts that include defensive driver, good student, multi-vehicle, TimeAway discount, air bags, good driver, and accident-free.
  • Nationwide offers premium reductions for defensive driving, easy pay, good student, anti-theft, family plan, Farm Bureau membership, and business or organization.
  • Progressive includes discounts for multi-vehicle, online signing, multi-policy, good student, and online quote discount.

When getting a coverage quote, ask every insurance company which discounts you qualify for. Savings might not apply in your area. If you would like to view providers with the best discounts, enter your zip code here.

How to lower your insurance rates

Lots of factors are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, but some are less apparent such as your marital status or your vehicle rating.

  • Avoid unnecessary extra coverages – There are quite a few add-on coverages that sound like a good idea at the time when buying car insurance. Coverages like rental car reimbursement, towing, and term life insurance are some examples. These may sound like a good investment initially, but if you have no use for them get rid of them and save.
  • Too many policy claims will drive car insurance rates up – If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Car insurance companies provide most affordable rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended for the large, substantial claims.
  • How your age affects rates – Older drivers have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets. Teen drivers are statistically shown to be more careless with other occupants in the car and because of this, their car insurance rates are much higher.
  • More policies can equal more savings – Many companies will give a discount to clients who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you may still want to compare other company rates to ensure the best deal.
  • Liability risk factors in – The liability section of your policy is the coverage that protects you when you are responsible for damages caused by your negligence. It provides you with a defense in court to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Being married brings a discount – Walking down the aisle may save some money on car insurance. Having a significant other generally demonstrates drivers are more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
  • Lower rates by increasing comp and collision deductibles – Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your Audi. Some examples of claims that would be covered are a dented fender, hail damage, and damage from a fallen tree branch. The deductibles define the amount you are required to spend before your car insurance pays a claim. The higher the amount you choose to pay out-of-pocket, the better rate you will receive for RS 5 coverage.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Are rock chip repairs covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Does coverage extend to Mexico or Canada?
  • Is my Audi RS 5 covered if I use it for business?
  • How can I find cheaper teen driver insurance?
  • Do I have coverage when making deliveries for my home business?
  • Is rental equipment covered for theft or damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Beware of misleading auto insurance ads

Drivers can’t get away from all the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the ads advertise the message about savings just by switching your auto insurance policy to them.

Is it even possible that every company can have lower policy pricing? It’s all in the wording.

Companies have a certain “appetite” for the type of driver that will most likely be profitable. For example, this type of risk profile may be a married female, has few claims, and drives newer vehicles. Any driver who matches that profile will get very good premium rates and will most likely cut their rates substantially.

People who are not a match for this ideal profile will probably be forced to pay higher rates and ends up with the customer not buying. The trick is to say “people that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can make it sound like they have such great premium rates.

Because every company is different, it’s extremely important to compare rate quotes every year. Because you cannot predict which insurance companies will have the lowest rates.

Coverages available on your policy

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

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

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, surgery, EMT expenses and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi RS 5.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Coverage for liability

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or 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 and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Have the Midas touch

The cheapest 2018 Audi RS 5 insurance is possible from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not offer online rate quotes and these smaller providers prefer to sell through independent agents.

When you buy insurance coverage online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability coverage limits and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at an affordable rate.

People change insurance companies for a variety of reasons including denial of a claim, poor customer service, an unsatisfactory settlement offer and policy cancellation. Regardless of your reason, switching companies is actually quite simple.

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