Lower Your 2019 Audi S5 Insurance Cost 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 11, 2024

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Searching for cheaper insurance rates for your Audi S5? I doubt anyone gets a kick out of paying for insurance, especially knowing they are paying too much.

Lots of car insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to get the lowest rate possible.

It’s a great practice to price shop coverage before your next renewal because prices go up and down regularly. Even if you got the lowest price on S5 coverage on your last policy a different company probably has better rates today. There is a lot of bad advice regarding insurance online but I’m going to show you some great ways to lower your insurance bill.

Audi S5 insurance costs can be more affordable

Lots of things are part of the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are less obvious like your continuous coverage or your commute time.

Listed below are some of the most rate-impacting factors used by companies to determine rates.

  • A lcoverage lapse is a bad thing – Driving any period of time without insurance can get your license suspended and insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Multiple policies with one company can save – Most major insurance companies allow discounts for people who consolidate policies with them in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to verify if the discount is saving money. It’s possible to still find better rates by insuring with multiple companies.
  • Gender is a factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Females and males tend to get into fender benders at a similar rate, but males tend to have higher claims. Men also tend to get ticketed for serious violations such as reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore are the most expensive to insure.
  • Liability insurance claims can be big – Your policy’s liability coverage is the protection when a jury decides you are liable for an accident. This coverage provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Cars with good safety ratings cost less to insure – Safer cars tend to have lower insurance rates. Safer cars reduce the chance of injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you. If your Audi S5 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • GPS tracking and theft deterrents reduce prices – Selecting a car model with an alarm system can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.
  • Teenage driver insurance rates – Beginning drivers have been known to be easily distracted when driving therefore insurance rates are much higher. Having to add a youthful driver onto your insurance can break the bank. Older drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Physical damage deductibles – Insurance for physical damage, aka comp and collision, is used to repair damage to your Audi. Some examples of claims that would be covered could be collision with another vehicle, collision with an animal, and windstorm damage. Physical damage deductibles define the amount the insured will be required to pay if a claim is determined to be covered. The more damage repair cost you’re willing to pay, the lower your rates will be on S5 coverage.

How to buy car insurance

Most major insurance companies make it easy to get coverage prices directly from their websites. The process can be done by anyone because you just enter your coverage information into the quote form. When complete, their quoting system will order credit information and your driving record and provides a quote based on many factors. This makes it easy to compare insurance prices but the time it takes to visit several different sites and complete many quote forms can be a bit repetitive. But it’s very important to compare as many rates as possible if you want to find the best price possible.

Keep reading for an easier way to compare prices

The smarter way to locate the lowest prices requires only one form that gets prices from many companies. It’s a real time-saver, helps eliminate repetitive entry, and makes online price comparison much more efficient. As soon as you send your information, your coverage is rated and you are able to buy any or none of the pricing results. If a lower price is quoted, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and can result in significant savings.

If you want to use this form to compare rates, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you enter coverages and limits just like they are on your policy. Using the same limits helps guarantee you are getting rate quotes based on identical coverages.

Save money by taking advantage of discounts

Buying car insurance is not cheap, but you may be missing some discounts that you may not know about. Some trigger automatically at quote time, but a few need to be specifically requested before you get the savings.

  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower car insurance rates.
  • Drive Less and Save – Driving less may enable drivers to earn lower car insurance rates due to less chance of an accident.
  • Sign Early and Save – A few companies allow discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
  • Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few of the larger companies and their possible discounts are:

  • State Farm may include discounts for defensive driving training, accident-free, multiple autos, student away at school, good student, anti-theft, and driver’s education.
  • American Family has savings for accident-free, bundled insurance, multi-vehicle, early bird, defensive driver, air bags, and TimeAway discount.
  • AAA may have discounts that include education and occupation, good driver, pay-in-full, multi-car, multi-policy, anti-theft, and AAA membership discount.
  • GEICO includes discounts for anti-theft, military active duty, driver training, five-year accident-free, and daytime running lights.
  • Mercury Insurance may offer discounts for good student, annual mileage, low natural disaster claims, anti-theft, and good driver.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, early shopping, teen driver, multi-car, pay in full, mature driver, and bundle discounts.
  • Progressive offers discounts including multi-policy, online quote discount, good student, online signing, and multi-vehicle.

If you are trying to find inexpensive car insurance quotes, ask each company or agent what discounts are available to you. Some discounts may not be offered in your state. For a list of car insurance companies that provide some of the discounts listed above, enter your zip code here.

How much insurance coverage do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Do I need roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Does coverage extend to Mexico or Canada?
  • Will I lose any money if I cancel my policy before it expires?
  • Is extra glass coverage worth it?
  • Are my friends covered when driving my 2019 Audi S5?
  • Is my 2019 Audi S5 covered for smoke damage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code.

The coverage is in the details

Having a good grasp of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, damage from flooding, theft and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like medical expenses, loss of income, emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, hospital visits, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

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 is a good idea.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Final thoughts

As you shop your coverage around, never reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Some insurance companies may not provide internet price quotes and many times these smaller companies only sell coverage through independent agencies. The cheapest 2019 Audi S5 insurance is available on the web in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

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