Lower Your 2023 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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Are you overwhelmed by the wide range of auto insurance providers in your area? You have such a large number of options that it can quickly become a chore to lower your auto insurance rates.

You should make it a habit to quote other rates periodically since insurance prices go up and down regularly. Just because you found the best deal on RS 5 coverage a couple years back you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to remove unneeded coverages and save money.

Are you getting every discount?

Companies offering auto insurance don’t always publicize the complete list of policy discounts very clearly, so the following list contains a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.

  • Discount for Life Insurance – Some car insurance companies give a lower price if you buy life insurance from them.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates when compared with policyholders that have many claims.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts can receive discounts as much as 30%.
  • Switch and Save Discount – A few larger companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Popular car insurance companies and the discounts they provide are:

  • American Family policyholders can earn discounts including defensive driver, mySafetyValet, multi-vehicle, air bags, good driver, and Steer into Savings.
  • State Farm offers premium reductions for Drive Safe & Save, multiple autos, passive restraint, accident-free, student away at school, and multiple policy.
  • 21st Century offers discounts for homeowners, early bird, teen driver, driver training, good student, student driver, and automatic seat belts.
  • Travelers has savings for multi-car, student away at school, new car, hybrid/electric vehicle, save driver, and early quote.
  • GEICO may include discounts for five-year accident-free, multi-policy, seat belt use, military active duty, and federal employee.

When getting free car insurance quotes, it’s a good idea to every company which discounts you may be entitled to. A few discounts might not be offered in every state. If you would like to see a list of providers who offer free car insurance quotes, enter your zip code here.

Finding auto insurance

The are a couple different ways of comparing rates from different companies. The easiest way to find affordable Audi RS 5 insurance rates is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

  1. If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form. This type of form saves time by eliminating separate forms for each company you want a rate for. In just a few minutes this one form gets prices estimates from several companies. Just one form and you’re done.
  2. A different way to get comparison quotes requires you to visit each company website and repeat the quote process again and again. For sake of this example, let’s assume you want to view quotes from GEICO, Safeco and Travelers. To get rate quotes you would need to navigate to each company’s site and type in your information over and over, which is why the first method is more popular.
  3. The least recommended way to do your price quoting is actually driving to each insurance agency near you. The ability to buy insurance online eliminates the need for an insurance agent unless you want the extra assistance of a local agent. It is possible to price shop your coverage online and get advice from an agent in your area.

Whichever way you choose to compare rates, make sure you use exactly the same coverage information for every quote you compare. If you enter different liability limits you can’t possibly determine which rate is truly the best. Just slight variations in limits may cause a big price difference. And when comparison shopping, having more price comparisons increases your odds of finding more affordable insurance. Some smaller insurers to not give online rate quotes, so it’s recommended that you also compare quotes on coverage from those companies, too.

When in doubt talk to an agent

When choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my spouse’s policy after a separation?
  • Is my cargo covered for damage or theft?
  • How high should my medical payments coverage be?
  • Should I sign the liability waiver when renting a car?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code.

Insurance coverage breakdown

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Audi RS 5.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, nursing services, ambulance fees, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, fire damage, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your RS 5 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

The bottom line

Cheaper insurance coverage can be sourced on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not provide internet price quotes and many times these regional carriers sell through independent agents.

You just read a lot of ways to shop for 2023 Audi RS 5 insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier.

Consumers switch companies for many reasons like extreme rates for teen drivers, policy cancellation, not issuing a premium refund or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be pretty painless.

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