Cheaper 2015 Audi RS 5 Insurance Cost

Want better insurance coverage rates for your Audi RS 5? Trying to find better insurance prices for an Audi RS 5 can normally be difficult, but you can use the following methods and make it easy. There is a better way to find insurance coverage online and you need to know the best way to get price quotes on a Audi and get the best price possible from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. Finding the best coverage can be fairly easy. Drivers just need to understand the proper methods to compare rates online.

Car Insurance Discounts

Some insurance providers don’t list the complete list of policy discounts very clearly, so the list below details some of the more common and the harder-to-find discounts that you may qualify for.

  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • Discounts for Cautious Drivers – Drivers without accidents may receive a discount up to 45% on RS 5 insurance compared to rates paid by drivers with frequent claims.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Paper-free Discount – Certain larger companies may give you up to $50 for completing your application on your computer.
  • Driver Safety – Successfully completing a course in safe driver could earn you a small percentage discount depending on where you live.
  • Active Military Service – Being deployed with a military unit can result in better premium rates.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn nearly 15% which can help you find low cost auto insurance.
  • Claim Free – Insureds who avoid accidents and claims can save substantially as opposed to bad drivers.

We need to note that many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

A list of car insurance companies and the discounts they provide are included below.

  • Farmers Insurance may have discounts that include multi-car, alternative fuel, business and professional, bundle discounts, and teen driver.
  • State Farm discounts include accident-free, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and multiple policy.
  • Liberty Mutual has discounts for new graduate, newly retired, newly married, hybrid vehicle, exclusive group savings, and good student.
  • MetLife offers discounts for claim-free, multi-policy, defensive driver, good student, good driver, accident-free
  • Progressive may include discounts for multi-vehicle, online signing, continuous coverage, good student, multi-policy, homeowner, and online quote discount.

Double check with every company the best way to save money. Some discounts may not be offered in your state. If you would like to choose from a list of companies with discount rates, click here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover whether or not you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 2015 Audi RS 5?
  • What is the minimum liability in my state?
  • Exactly who is provided coverage by my policy?
  • Is my 2015 Audi RS 5 covered for flood damage?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find high-risk insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance – This will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $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.

Liability can pay for claims like repair bills for other people’s vehicles, court costs and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision insurance pays for damage to your RS 5 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, colliding with a tree, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, falling objects and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses for pain medications, chiropractic care, prosthetic devices, surgery and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi RS 5.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Stretch your dollar

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

We just showed you some good ideas how to shop for 2015 Audi RS 5 insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the biggest savings come from an unexpected company.

Consumers change insurance companies for any number of reasons including denial of a claim, high prices, not issuing a premium refund or unfair underwriting practices. No matter why you want to switch, finding a new company can be pretty painless.

For more information, link through to the articles below: