Locating low-cost insurance for a new or used Audi S5 in Arizona can normally be a lot of work, but you can learn these tips to save time.
There are both good and bad ways to find auto insurance online so you’re going to learn the quickest way to compare rates for a Audi and locate the cheapest rates either online or from Phoenix insurance agents.
Comparison shopping for affordable auto insurance policy in Phoenix is not as confusing as people think. If you are insured now or want to find a cheaper company, take advantage of these tips to buy cheaper auto insurance and still get good coverage. Drivers just need to know the most time-saving way to shop their coverage around over the internet.
The method we recommend to get policy rate comparisons for Audi S5 insurance in Phoenix is to realize almost all companies pay for the opportunity to compare rate quotes. All consumers are required to do is provide details including your occupation, whether you are single or married, if the car is leased, and daily mileage. That information is instantly submitted to multiple auto insurance providers and they return cost estimate quickly.
To compare lower-cost Audi S5 insurance rates now, click here then complete the form.
The companies shown below offer free rate quotes in Arizona. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S5 4.2 Quattro 2-Dr Coupe||$204||$458||$288||$18||$86||$1,054||$88|
|S5 4.2 Quattro 2-Dr Coupe||$220||$518||$404||$24||$122||$1,288||$107|
|S5 3.0 Quattro 2-Dr Convertible||$262||$484||$300||$18||$90||$1,154||$96|
|S5 4.2 Quattro 2-Dr Coupe||$180||$428||$308||$18||$92||$1,026||$86|
|S5 4.2 Quattro 2-Dr Coupe||$396||$1084||$404||$24||$122||$2,030||$169|
|S5 3.0 Quattro 2-Dr Convertible||$166||$350||$282||$16||$84||$898||$75|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can lower or raise premium rates greatly.
Audi S5 insurance rates by gender
The chart below visualizes the comparison of Audi S5 yearly insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Rate difference between full and liability-only coverage
The illustration below shows the difference between Audi S5 annual premium costs with full coverage compared to only the Arizona minimum liability coverage. The information is based on no claims or driving violations, $500 deductibles, single male driver, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Audi S5 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Audi S5 insurance discounts in Phoenix
Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even know about. Certain reductions will be credited when you complete an application, but a few must be requested specifically in order for you to get them.
- Anti-lock Brake System – Cars with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- Telematics Devices – Insureds who allow driving data submission to spy on driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they exhibit good driving behavior.
- Military Discounts – Being deployed with a military unit may lower your car insurance rates slightly.
- Auto/Life Discount – Some companies give better car insurance rates if you take out auto and life insurance together.
- Low Mileage – Fewer annual miles on your Audi may allow you to get cheaper rates.
- Discount for Home Ownership – Owning a house in Phoenix can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Resident Student – Children who attend college more than 100 miles from Phoenix and leave their car at home can be insured at a reduced rate.
- Anti-theft System – Cars optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
It’s important to note that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your policy premiums.
The best car insurance companies and the discounts they provide are shown below.
- State Farm has savings for good driver, multiple autos, student away at school, passive restraint, accident-free, good student, and safe vehicle.
- GEICO has discounts for multi-policy, anti-theft, multi-vehicle, defensive driver, seat belt use, and federal employee.
- Allstate may include discounts for teenSMART discount, safe driver, EZ pay plan discount, passive restraint, and multi-policy.
- SAFECO offers discounts including anti-lock brakes, accident prevention training, bundle discounts, safe driver, multi-car, and teen safe driver.
- Farm Bureau policyholders can earn discounts including safe driver, good student, renewal discount, multi-vehicle, 55 and retired, and youthful driver.
- Progressive offers discounts for online quote discount, good student, continuous coverage, multi-policy, and multi-vehicle.
- AAA discounts include education and occupation, good student, good driver, pay-in-full, multi-policy, AAA membership discount, and anti-theft.
Double check with each company how many discounts you can get. Discounts might not apply everywhere.
Four factors that impact insurance prices
The best way to find cheaper car insurance is to take a look at some of the factors that aid in calculating car insurance rates. If you know what influences your rates, this enables you to make decisions that will entitle you to big savings. Many things are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other criteria are not as apparent like your continuous coverage or your commute time.
Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Just one speeding ticket can increase the cost of insurance by as much as thirty percent. Attentive drivers pay less for auto insurance as compared to careless drivers. Drivers who have received license-revoking violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
Pay more of a claim out-of-pocket – Your deductibles define how much you are willing to pay if a claim is determined to be covered. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are rearending another vehicle, collision with a deer, and damage from wind. The larger the amount you have to pay, the lower your rates will be.
Liability insurance risk factors in – The liability coverage on your policy will provide protection when you are responsible for an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Pay more if you have a long commute – Living in small towns and rural areas is a positive aspect when buying car insurance. Fewer people means a lower chance of having an accident in addition to lower liability claims Urban drivers have to deal with traffic congestion and a longer drive to work. Spending more time driving means more chances of being involved in an auto accident.
Audi S5 historical loss data – Car insurance companies take into consideration insurance loss statistics for every vehicle when determining insurance rates. Vehicles that the statistics show to have higher claim amounts or frequency will cost more for specific coverages. The table below demonstrates the insurance loss data used by companies for Audi S5 vehicles.
For each coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 represent a good loss history, while values that are 100 or greater indicate higher probability of having a loss or an increased chance of larger losses than average.
Insurance Loss Ratings for Audi S5 Vehicles
|Specific Audi 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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You may want advice from an insurance agent
Many people just prefer to have an agent’s advice and doing so can bring peace of mind Professional insurance agents can help you choose the best coverages and help in the event of a claim. The best thing about comparing insurance online is the fact that you can find the best rates and still have a local agent. And supporting neighborhood agents is definitely important in Phoenix.
After completing this form (opens in new window), your insurance coverage information is instantly submitted to companies in Phoenix who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to drive around because prices are sent to the email address you provide. In the event you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and fill out their quote form.
Types of car insurance agents
If you’re trying to find a reputable agency, you should know the different agency structures to choose from. Insurance policy providers can be classified as either exclusive or independent (non-exclusive). Both can handle insurance, but it is important to understand the differences because it may have an impact on which type of agent you select.
Independent Agents (or Brokers)
These type of agents do not have single company limitations so they can write business amongst many companies and find the cheapest insurance rates. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured.
If you are comparing insurance prices, we recommend you get quotes from several independent agencies to have the most options to choose from. A lot of them also have access to companies you’ve never heard of which can save you money.
The following are independent agencies in Phoenix that may be able to provide price quotes.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Exclusive Insurance Agents
Exclusive agents generally can only insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are trained well in insurance sales which helps overcome the inability to quote other rates. Some insured continue to purchase coverage from exclusives mainly due to the prominence of the brand and solid financial strength.
Shown below is a list of exclusive agencies in Phoenix that are able to give price quotes.
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
- Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 – View Map
- Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
Choosing the best insurance agency needs to be determined by more than just the price. These are some questions you should get answers to.
- Will you work with the agent or an assistant?
- Are they giving you every discount you deserve?
- Are they full-time agents?
- How many companies do they write for?
- Do they have designations such as AIC, CPCU, or CIC?
Will just any policy work for me?
When quoting and comparing a policy, there really isn’t a single plan that fits everyone. Every insured’s situation is different.
These are some specific questions might help in determining if you could use an agent’s help.
- I don’t drive much so do I pay less?
- Can I use my car for my catering business?
- Can I cancel at any time?
- Do I need replacement cost coverage?
- Does coverage extend to my business vehicle?
- Who sells insurance for high-risk drivers?
- What is PIP insurance?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.
Do drivers who switch really save $454 a year?
Arizona consumers can’t get away from all the ads that claim the cheapest prices from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you change your insurance policy to them.
How is it possible that every company can make the same claim? It’s all in how they say it.
All companies provide the lowest rates for the type of driver they prefer to insure. An example of this type of risk profile could be a mature driver, has had continuous coverage, and drives a safe vehicle. Any person that hits that “sweet spot” gets the lowest premium rates as well as save a lot on Phoenix Audi S5 insurance if they switch.
Drivers who do not meet those criteria will be charged a higher premium and ends up with the customer buying from a different company. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make claims that they all have the best prices.
Because of this risk profiling, drivers should compare free Phoenix car insurance quotes often. Because you cannot predict the company that will provide the lowest Audi S5 insurance in Phoenix.
Shop smart and save
As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
We covered a lot of information how to compare Audi S5 insurance rates in Phoenix. The most important thing to understand is the more you quote Phoenix car insurance, the better chance you’ll have of finding inexpensive Phoenix car insurance quotes. Consumers could even find that the lowest rates are with some of the smallest insurance companies.
There are still a few companies who do not provide rates over the internet and usually these small, regional companies prefer to sell through independent agencies. More affordable insurance in Phoenix can be bought online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.
More information is located at these links:
- Distracted Driving Statistics (Insurance Information Institute)
- How Much are Phoenix Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 50 in Phoenix? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)