Compare 2014 Audi RS 5 Insurance Quotes

Are you overwhelmed by the crazy number of auto insurance choices? Many other consumers are too. Drivers have so many options available that it can easily become a challenge to find better rates.

Consumers need to compare rates periodically because insurance rates change regularly. Just because you found the best price on RS 5 insurance two years ago there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

Locating affordable protection is quite easy. In a nutshell, every driver who is shopping for car insurance should be able to lower their premiums. Although drivers benefit from understanding how the larger insurance companies price online insurance because it can help you find the best coverage.

Free Quotes for Auto Insurance

There are several ways to compare rate quotes from auto insurance companies in your area. The recommended way to find the lowest 2014 Audi RS 5 rates involves getting comparison quotes online. This can be done using a couple different methods.

The most efficient way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry to each individual auto insurance company. One form will return price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A different way to compare prices requires visiting each individual company website to complete their respective quote request forms. For example, let’s assume you want to compare Progressive, Geico and State Farm. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever way you use, make absolute certain that you use the exact same deductibles and coverage limits with each company. If you use mixed coverages it will be next to impossible to decipher which rate is best. Quoting even small variations in coverages could mean much higher rates. And when quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Don’t miss these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Most are applied when you get a quote, but less common discounts must be manually applied before being credited.

Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
Fewer Miles Equal More Savings – Keeping the miles down on your Audi can qualify you for a substantially lower rate.
Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
No Claims – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
E-sign – A few companies give back up to $50 for buying your policy over the internet.
Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on RS 5 insurance depending on your company.

It’s important to note that most credits do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Companies that may have these benefits are:

Double check with all companies you are considering which discounts they offer. Discounts might not apply in your area.

Factors that might impact rates for an Audi RS 5

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

Don’t sacrifice liability coverage – The liability section of your policy provides coverage when you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Audi RS 5 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Do you need those extra coverages? – There are many extra coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea at first, but if you don’t need them eliminate the coverages to reduce your premium.
Frequent auto insurance claims increase rates – If you are a frequent claim filer, you can expect higher rates. Car insurance companies award better rates to insureds who are claim-free. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
Bump up deductibles to save – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and rolling your vehicle. The more expense the insured has to pay upfront, the lower your rates will be on RS 5 insurance.
Rural vs Urban Areas – Being located in a rural area can be a good thing when insuring your vehicles. Lower population translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have much more traffic to deal with and longer commute times. Higher commute times means more change of being in an accident.
Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and financial analysts have higher average rates because of high stress levels and long work days. Conversely, professions such as actors, engineers and homemakers get better rates on RS 5 insurance.

When might I need help?

When choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions may help highlight if you might need professional guidance.

Is pleasure use cheaper than using my 2014 Audi RS 5 to commute?
How high should deductibles be on a 2014 Audi RS 5?
Should I have a commercial auto policy?
Are rock chip repairs covered?
What companies insure drivers after a DUI or DWI?
Am I covered if I drive in a foreign country?
How does medical payments coverage work?
Do I really need UM/UIM coverage?

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 want to speak to an agent in your area, take a second and complete this form.

Insurance policy coverages for a 2014 Audi RS 5

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi RS 5.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance 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 like damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most 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 dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses like hospital visits, X-ray expenses, ambulance fees, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your RS 5 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Smart consumers save more

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, high prices, extreme rates for teen drivers and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

We just presented a lot of ways to get a better price on 2014 Audi RS 5 insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Cost effective insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.