2013 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: Jun 1, 2024

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Want better car insurance rates for your Audi RS 5? Trying to find better insurance prices for a new or used Audi RS 5 could be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for car insurance and you need to know the proper way to get price quotes on a Audi and locate the cheapest rates.

If you are insured now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Shopping for affordable insurance is easy if you know what you’re doing. Vehicle owners just need to learn how to get comparison quotes online.

Insurance coverage policy discounts you can’t miss

Insurance coverage is not an enjoyable expense, but companies offer discounts to reduce the price significantly. Many discounts should be triggered at the time of quoting, but a few must be inquired about prior to receiving the credit.

  • College Student Discount – Youth drivers who live away from home at college and do not have a car may be able to be covered for less.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Discounts for Multiple Vehicles – Having multiple vehicles with the same company can get a discount on all vehicles.
  • Accident Forgiveness – but certain companies may permit one accident before they charge you more for coverage if you have no claims prior to the accident.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because newer vehicles keep occupants safer.
  • ABS Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.

As a disclaimer on discounts, many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

The best insurance coverage companies and their offered discounts are outlined below.

  • GEICO may offer discounts for multi-policy, military active duty, emergency military deployment, daytime running lights, membership and employees, and multi-vehicle.
  • SAFECO may have discounts that include teen safety rewards, accident prevention training, anti-lock brakes, multi-car, teen safe driver, bundle discounts, and drive less.
  • State Farm offers premium reductions for defensive driving training, accident-free, multiple policy, anti-theft, passive restraint, multiple autos, and Steer Clear safe driver discount.
  • MetLife may include discounts for good student, claim-free, accident-free, multi-policy, and defensive driver.
  • 21st Century offers discounts for teen driver, 55 and older, good student, student driver, homeowners, early bird, and air bags.
  • Progressive has discounts for online quote discount, homeowner, multi-vehicle, good student, online signing, continuous coverage, and multi-policy.

It’s a good idea to ask every company to apply every possible discount. A few discounts might not be offered on policies in your area. To locate companies that offer discounts, enter your zip code here.

How to lower your insurance prices

Many different elements are considered when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are more transparent such as your credit history or how safe your car is. A large part of saving on auto insurance is knowing the different types of things that play a part in calculating your premiums. If you know what determines premiums, this allows you to make good choices that may result in lower auto insurance prices.

The following are a partial list of the pieces utilized by car insurance companies to help set premiums.

  • How’s your driving record? – Being a careful driver impacts premiums far more than you think. Getting just one moving violation can boost insurance rates substantially. Attentive drivers receive lower rates as compared to careless drivers. Drivers with severe violations such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 to the state department of motor vehicles in order to keep their license.
  • Getting married is a bonus – Having a significant other may earn you lower rates on auto insurance. Having a significant other generally demonstrates drivers are more stable financially it has been statistically shown that being married results in fewer claims.
  • Low coverage deductibles can be expensive – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Audi. Some examples of covered claims are a broken windshield, vandalism, and windstorm damage. Deductibles for physical damage define the amount you are required to pay if a claim is determined to be covered. The larger the amount you have to pay, the less money you will pay for auto insurance for RS 5 coverage.
  • Additional coverages that may be costing you – Insurance companies have many extra bells and whistles that you can buy on your auto insurance policy. Insurance for rental car coverage, accidental death, and term life insurance are some examples. These may sound like a good investment initially, but if they’re wasting money remove them and pocket the money.
  • Car and home together may be cheaper – Most major auto insurance companies will award a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other company rates to help ensure you have the lowest rates.
  • Fewer miles means better rates – The higher the mileage driven in a year the higher your rate. Most companies calculate prices based upon how you use the vehicle. Cars that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance policy properly reflects the correct driver usage, because it can save money. Improper usage on your RS 5 can result in significantly higher rates.
  • Good credit means lower rates – Your credit score will be a significant factor in determining your rates. Therefore, if your credit history is not that good, you could potentially save money when insuring your 2013 Audi RS 5 by repairing your credit. Drivers who have high credit ratings tend to file fewer claims than drivers who have worse credit.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • How high should deductibles be on a 2013 Audi RS 5?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need rental car coverage?
  • Why am I required to buy high-risk coverage?
  • If I drive on a suspended license am I covered?
  • Should I rate my 2013 Audi RS 5 as pleasure use or commute?
  • How much liability coverage do I need in my state?
  • Are my friends covered when driving my 2013 Audi RS 5?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and may give you better protection.

Auto insurance specifics

Learning about specific coverages of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability – Liability insurance can cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, attorney fees, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi RS 5.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, falling objects and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like pain medications, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

Budget-friendly auto insurance is attainable both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide the ability to get quotes online and these small, regional companies sell through independent agents.

Drivers leave their current company for a variety of reasons including delays in responding to claim requests, delays in paying claims, high prices or poor customer service. No matter why you want to switch, choosing a new company is actually quite simple.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits and found out when filing a claim that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

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