Compare Audi S5 Insurance Quotes in Aurora

If you are new to online price comparisons, you may be overwhelmed by the vast assortment of companies that all say they have the best rates for Audi S5 insurance in Aurora.

It’s safe to conclude that auto insurance companies don’t want their policyholders to compare prices. Consumers who shop around for the cheapest price will probably switch to a new company because there are good odds of getting low-cost coverage. A recent survey found that drivers who compared rates annually saved approximately $850 each year as compared to drivers who never shopped around for lower prices.

If finding the best price on car insurance is why you’re here, knowing how to quote and compare car insurance can help make the process easier and more efficient.

Smart consumers take time to compare prices before your next renewal because insurance prices trend upward over time. Just because you had the best price on Audi S5 insurance in Aurora six months ago there is a good chance you can find better rates now. There are lots of tips to save on S5 insurance online, but by reading this article, you’re going to learn a bunch of ideas how to slash your auto insurance rates in Aurora.

Free Aurora Audi S5 insurance quotes

Most larger insurance companies allow consumers to get prices for coverage directly from their websites. Getting Audi S5 insurance prices online doesn’t take a lot of time as you simply type in your coverage information into a form. When the form is submitted, their quoting system pulls credit information and your driving record and generates a price based on these factors.

Getting online rate quotes for Audi S5 insurance in Aurora makes it easy to compare insurance prices and it’s necessary to get many rate quotes in order to find a better rate.

To find out what other companies charge, check out the insurance providers below. If you currently have coverage, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This way, you will be getting rate comparison quotes for similar insurance coverage.

The auto insurance companies shown below offer free rate quotes in Aurora, CO. In order to find cheap auto insurance in Aurora, CO, we recommend you click on several of them to get a more complete price comparison.

Get cheaper rates on Audi S5 insurance in Aurora with these discounts

Insuring your fleet can be pricey, but you may find discounts that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but a few must be inquired about in order for you to get them.

• Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
• Save with a New Car – Putting coverage on a new S5 can save you some money since newer vehicles are generally safer.
• Senior Discount – Seniors can possibly qualify for a slight reduction on a Aurora car insurance quote.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the PIP or medical payment premium.
• More Vehicles More Savings – Having primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• E-sign – Some of the larger companies will provide an incentive just for signing your application over the internet.
• Good Driver Discounts – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

The information below shows the difference between Audi S5 insurance prices with and without discounts applied to the premium. The premiums assume a female driver, no claims or driving citations, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

To choose companies that offer some of these discounts in Colorado, follow this link.

Rates and statistics

The coverage information shown next showcases different insurance premium costs for Audi S5 models. Understanding more about how rate quotes are established is important for drivers to make decisions on the best policy to buy.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates substantially.

Choosing deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The following tables may help to conceptualize how much more you’ll pay when you buy lower versus higher deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific location which can modify coverage rates substantially.

Based on the figures above, using a $100 deductible will cost in the ballpark of $37 more each month or $444 each year than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 11 months between claims, you would probably come out ahead if you choose the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

Cautious drivers save money

The chart below shows how violations and fender-benders raise Audi S5 annual premium costs for different age groups. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The example below shows the comparison of Audi S5 insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no claims or driving violations, $250 deductibles, single marital status, and no discounts are applied.

When to drop comp and collision

There is no specific rule for dropping full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Audi S5 replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying your deductible. If you are paying in excess of $700 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Why Your Insurance Premiums might be higher

Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are not quite as obvious such as your marital status or how safe your car is.

The items below are a few of the things used by your company to calculate rates.

• Do you have enough liability? – Your policy’s liability coverage is the protection in the event that you are determined to be liable for damages from an accident. Liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
• High stress vocation may mean higher prices – Occupational choices like lawyers, social workers, and accountants tend to pay higher rates than average attributed to job stress and lots of time spent away from family. Other careers like professors, historians and retirees pay the least.
• Consolidate home and auto and save – The majority of insurance companies apply discounts to people who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, you still need to compare other company rates to help ensure you have the lowest rates.
• Raising deductibles saves money – Physical damage deductibles state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims are collision with another vehicle, collision with a deer, or theft of your vehicle. The more expense the insured has to pay upfront, the lower your rates will be.
• Annual mileage impacts rates – The more miles you rack up on your Audi in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos that have low annual miles cost less to insure than vehicles that have high annual mileage. Incorrect rating for your S5 is just wasting money. Verify your auto insurance policy properly reflects the proper vehicle usage, because it can save money.
• Discounts for married couples – Your spouse may cut your premiums compared to being single. Having a significant other translates into being more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
• Buy a safe car and pay less – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and lower injury rates translates into savings for insurance companies which can result in lower premiums. If your Audi S5 has ratings of a minimum four stars on Safercar.gov you may pay a lower rate.

• Insurance loss data for Audi S5 vehicles – Insurers use claims history when setting premium rates. Models that the statistics show to have higher losses will have higher premium rates. The table shown below demonstrates the actual insurance loss data for Audi S5 vehicles.

  For each coverage category, the claim probability for all vehicles as a whole is equal to 100. Percentages below 100 are indicative of better than average losses, while values over 100 point to more claims or a tendency for claims to be larger.

  
  

  Insurance Loss Ratings for Audi S5 Vehicles

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi S5 2dr 4WD	197	85	161	68
  Audi S5 Convertible 4WD	162	62	124

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years