Affordable Quotes for Audi S5 Insurance in Pittsburgh

Really, the only way to save on Audi S5 insurance is to regularly compare prices from companies who provide auto insurance in Pittsburgh.

• First, try to comprehend the coverage provided by your policy and the steps you can take to keep rates down. Many policy risk factors that increase rates like accidents, traffic violations, and a not-so-good credit score can be remedied by making minor changes in your lifestyle. This article provides ideas to prevent high rates and get discounts that may be available to you.
• Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies.
• Third, compare the new quotes to your existing rates to determine if you can save on S5 insurance. If you can save some money and switch companies, make sure coverage does not lapse between policies.
• Fourth, notify your agent or company of your decision to cancel your current coverage and submit payment and a signed application to your new carrier. Be sure to place the new certificate verifying coverage along with your vehicle registration.

The most important part of this process is that you’ll want to make sure you compare identical coverages on each quote request and to quote with as many different insurance providers as possible. This enables the most accurate price comparison and the best price quote selection.

Unbelievable but true according to a study the vast majority of Pennsylvania car insurance customers kept their coverage with the same car insurance company for at least four years, and almost half have never compared rates with other companies. With the average car insurance premium being $1,847, U.S. drivers could save themselves nearly 46.5% a year by just comparing quotes, but most undervalue the big savings they would realize if they switch to a new company.

Discounts for lower-cost auto insurance quotes

Not too many consumers would say auto insurance is affordable, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be inquired about prior to receiving the credit. If you are not receiving all the discounts possible, you are paying more than you should be.

• Professional Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings on your policy.
• Auto/Life Discount – Some insurance companies give a discount if you purchase some life insurance too.
• Drive Less and Save – Keeping the miles down on your Audi could earn lower rates due to less chance of an accident.
• Discount for New Cars – Insuring a new S5 can save you some money because newer vehicles keep occupants safer.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% on medical payment and PIP coverage.
• Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
• Discount for Home Ownership – Being a homeowner can save you money since home ownership is proof of financial responsibility.

It’s important to understand that some credits don’t apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you could get a free auto insurance policy, it’s just not the way it works.

The diagram below shows the difference between Audi S5 yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, claim-free, and multi-policy discounts applied.

A list of auto insurance companies and some of the discounts can be read below.

• Farm Bureau offers discounts including 55 and retired, youthful driver, multi-vehicle, renewal discount, multi-policy, and good student.
• MetLife includes discounts for defensive driver, multi-policy, accident-free, good driver, claim-free, and good student.
• Progressive offers discounts for multi-policy, homeowner, continuous coverage, good student, online signing, and multi-vehicle.
• AAA offers premium reductions for multi-car, multi-policy, good student, AAA membership discount, education and occupation, and pay-in-full.
• American Family has savings for TimeAway discount, bundled insurance, good student, air bags, accident-free, and multi-vehicle.
• GEICO may have discounts that include emergency military deployment, air bags, anti-lock brakes, driver training, and anti-theft.
• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, good student, driver’s education, multiple autos, student away at school, and multiple policy.

It’s a good idea to ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your state. For a list of companies that offer discounts in Pittsburgh, follow this link.

The fastest way that we advise to compare rates for Audi S5 insurance in Pittsburgh takes advantage of the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is give them rating details including what your job is, if it has an alarm system, driver ages, and your education level. Those rating factors is then submitted to multiple top-rated companies and they respond with quotes instantly to find the best rate.

To compare multiple company cheaper Audi S5 insurance rates now, click here and find out if you can get cheaper insurance in Pittsburgh.

The companies in the list below are ready to provide comparison quotes in Pennsylvania. To locate the best cheap car insurance in Pittsburgh, we recommend you visit as many as you can to find the cheapest auto insurance rates.

Audi S5 insurance rates and statistics

The information shown below outlines estimates of insurance premium costs for Audi S5 models. Learning as much as possible about how insurance premiums are figured can benefit drivers when making decisions on the best policy coverages.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific location information which can alter premiums substantially.

Higher deductibles lower rates

One of the most common auto insurance questions is what deductibles to buy. The tables below help summarize how much more rates are between low and high comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in your specific Pittsburgh location which can revise insurance rates significantly.

We can derive from the above data that using a $250 deductible will cost you approximately $20 more each month or $240 annually than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 13 months between claims, you would save money if you opt for a higher deductible.

The diagram below illustrates how your choice of deductibles and can change Audi S5 insurance costs for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The chart below illustrates the comparison of Audi S5 insurance costs with and without full coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to eliminate full coverage

There is no clear-cut rule for phasing out physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Audi S5 replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying your deductible. If it’s costing you more than $300 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Why Your Insurance Costs might be higher

A large part of saving on car insurance is knowing some of the elements that help calculate the price you pay for car insurance. When consumers understand what influences your rates, this enables you to make decisions that can help you get big savings.

The items below are some of the most rate-impacting factors companies use to determine prices.

• Experienced drivers are lower risk – Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and tend to be get fewer driving tickets. Teenage drivers are proven to get distracted easily when at the wheel of a vehicle therefore car insurance rates are much higher.

  The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Tickets increase costs – Even a single speeding ticket can increase rates substantially. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have received dangerous violations like DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state DMV in order to continue driving.

  The diagram below demonstrates how traffic citations and at-fault claims increase Audi S5 auto insurance rates for different age groups of insureds. The data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

• More policies can equal more savings – Lots of companies provide a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to comparison shop to guarantee you are still saving the most.

• Fast cars cost more to insure – The type of car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. Small economy passenger cars generally receive the lowest base rates, but that’s not the only thing that factors into the final price.

  The data below uses these assumptions: married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Audi S5 policy rates compared to other models of vehicles that have different performance risks.

• Safer cars means cheaper rates – Safe vehicles tend to be cheaper to insure. These vehicles reduce occupant injuries and fewer serious injuries means less claims paid and more competitive rates for policyholders.
• Poor credit rating equals high prices – Your credit score is a large factor in determining what you pay. If your credit is lower than you’d like, you could pay less to insure your Audi S5 by improving your rating. Insureds that have excellent credit tend to file fewer claims and have better driving records than those with poor credit scores.

• Insurance losses for an Audi S5 – Insurance companies use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that historically have higher prevalence or dollar amount of losses will have higher rates for specific coverages.

  The table shown below demonstrates the historical loss data for Audi S5 vehicles. For each insurance policy coverage type, the claim probability for all vehicles compiled together is a value of 100. Values below 100 represent a good loss history, while numbers that are greater than 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Audi S5 Insurance Loss Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

How do I know if I need professional advice?

When it comes to your policy for your vehicles, there really isn’t a single plan that fits everyone. Every situation is different and your auto insurance should be unique as well. These are some specific questions might point out if your insurance needs could use an agent’s help.

• What is roadside assistance coverage?
• What is the minimum liability in Pennsylvania?
• When should I have rental car coverage?
• Can I afford to pay high deductible claims out of pocket?
• What is motorclub and do I need it?
• How do I buy GAP insurance?
• Is water damage covered by my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

What if I want to buy from local Pittsburgh insurance agents?

Many people still like to get advice from a local agent. Good insurance agents can help you choose the best coverages and help you file claims. One of the best bonuses of comparing rate quotes online is the fact that you can find cheap insurance rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), the quote information is sent to local insurance agents who will give you bids for your coverage. You don’t have to leave your house since price quotes are sent instantly to you. If you need to get a comparison quote from one company in particular, you just need to navigate to their website and submit a quote form there.

Picking an company shouldn’t rely on just a cheap price quote. The questions below may impact your decision as well.

• Will they make sure you get an adequate claim settlement?
• Can glass repairs be made at your home?
• Will you work with the agent or an assistant?
• Do they have cheaper tiers of coverage?
• How long has their agency been open in Pittsburgh?
• Will you get a loaner vehicle if you car is being repaired?
• Is the agent properly licensed in Pennsylvania?
• Is there a Errors and Omissions policy in force?

Is an exclusive or independent auto insurance agent right for you?

If you want to buy insurance from a local insurance agency, it can be helpful to understand the types of insurance agents that you can choose from. Agencies in Pittsburgh are either independent agents or exclusive agents depending on their employer. Both properly insure your vehicles, but it is a good idea to know how they are different because it can influence buying decisions.

Exclusive Insurance Agencies

Agents in the exclusive channel normally can only provide a single company’s rates and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so always compare other rates. These agents are well schooled in insurance sales which helps overcome the inability to quote other rates. Many people use the same exclusive agent mainly due to loyalty to the company and strong financial ratings.

Shown below are Pittsburgh exclusive agents that can give you price quotes.

• Mike Dudenas – State Farm Insurance Agent
  901 Castle Shannon Blvd – Pittsburgh, PA 15234 – (412) 561-5012 – View Map
• Mike Newell – State Farm Insurance Agent
  4772 Liberty Ave – Pittsburgh, PA 15224 – (412) 621-0600 – View Map
• Allstate Insurance: Thomas Bianco
  1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map

More insurance agents

Independent Insurance Agents

Independent agencies do not have single company limitations and that is an advantage because they can write policies through many companies and find you cheaper rates. If they find a cheaper price, they simply move your policy to a different company and you won’t have to switch agencies. If you are trying to find cheaper rates, you absolutely need to compare quotes from independent agents to get the best comparison. They also have the ability to place coverage with mutual insurance companies that may provide cheaper insurance rates.

Below is a list of independent insurance agencies in Pittsburgh that can give you price quote information.

• Preston and Grafton Insurance Agency
  2012 Murray Ave – Pittsburgh, PA 15217 – (412) 586-7340 – View Map
• Rodgers Andrew F Insurance Agency Inc
  Foster Plaza V, 651 Holiday Dr – Pittsburgh, PA 15220 – (412) 922-1651 – View Map
• Nationwide Insurance: Joshua Michael Dott Agency
  513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map

More insurance agents

Protect your Audi vehicle and other assets

Even though it can be expensive, insurance is a good idea for several reasons.

First, just about all states have minimum liability requirements which means state laws require specific minimum amounts of liability protection in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, almost all lenders will have a requirement that you have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Audi at an extremely high rate and require you to pay for the much more expensive policy.

Third, insurance safeguards both your assets and your car. Insurance will pay for medical bills that are the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. On average, a vehicle owner in Pittsburgh is overpaying over $750 every year so shop around each time the policy renews to help ensure money is not being wasted.

One last thing about your coverage

We just presented some good ideas how you can lower your Audi S5 insurance premium rates in Pittsburgh. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. These companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best cost, not the least amount of coverage.

More detailed auto insurance information is available in these articles:

• Speed and Speed Limit FAQ (iihs.org)
• What Car Insurance is Cheapest for a Jeep Grand Cherokee in Pittsburgh? (FAQ)
• How Much is Auto Insurance for Infrequent Drivers in Pittsburgh? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
• Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
• Who Has Affordable Auto Insurance for Single Moms in Pittsburgh? (FAQ)
• Collision Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)