How long have you put off shopping around for more competitive insurance rates in San Antonio, TX? San Antonio shoppers have lots of choices when shopping for the lowest priced Audi S5 insurance. They can either waste time contacting agents getting price quotes or save time using the internet to compare rates.
There are both good and bad ways to shop for insurance and we’ll show you the quickest way to quote coverages on a Audi and locate the best price possible either online or from San Antonio insurance agents.
Affordable San Antonio car insurance rates with discounts
Auto insurance companies do not list every discount available very clearly, so the next list breaks down both well-publicized and the more hidden savings tricks you should be using when you buy San Antonio auto insurance online.
- Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
- 55 and Retired – If you qualify as a senior citizen, you may receive better car insurance rates.
- Drive Safe and Save – Safe drivers could pay up to 40% less than their less cautious counterparts.
- Telematics Data Discounts – People who choose to allow driving data submission to scrutinize their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
- Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings of more than 20%.
- Student Discounts – This discount may save as much as 25% on a San Antonio auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
- Professional Organizations – Joining a qualifying organization may earn a discount on car insurance.
Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.
The diagram below shows the comparison of Audi S5 premium costs with and without discounts applied to the policy rates. Data assumes a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.
Some of the insurance companies that may offer many of the previously listed discounts may include but are not limited to:
If you want low cost San Antonio auto insurance quotes, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to choose from a list of insurers with the best Audi S5 insurance discounts in Texas, click this link.
The fastest way that we advise to compare rate quotes for Audi S5 insurance in San Antonio takes advantage of the fact most of the bigger providers provide online access to compare their rates. To start a quote, the only thing you need to do is provide details including how much school you completed, if you lease or own, if your license is active, and if it has an anti-theft system. Your rating data is automatically sent to multiple different insurance companies and they provide comparison quotes very quickly.
If you wish to get multiple quotes for your Audi S5 now, click here and see if a lower rate is available in San Antonio.
The companies shown below are our best choices to provide price comparisons in San Antonio, TX. If the list has multiple companies, it’s a good idea that you visit two to three different companies to get the cheapest price.
Rate information and statistics
The coverage information below highlights detailed analysis of rate quotes for Audi S5 models. Being aware of how car insurance premiums are formulated can be valuable when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $414 | $934 | $392 | $24 | $118 | $1,882 | $157 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $934 | $392 | $24 | $118 | $1,882 | $157 |
| S5 3.0 Quattro 2-Dr Convertible | $414 | $836 | $392 | $24 | $118 | $1,784 | $149 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $1030 | $392 | $24 | $118 | $1,978 | $165 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $1030 | $392 | $24 | $118 | $1,978 | $165 |
| S5 3.0 Quattro 2-Dr Convertible | $452 | $934 | $392 | $24 | $118 | $1,920 | $160 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise auto insurance rates considerably.
Physical damage deductibles: Should you raise them?
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The comparisons below can help illustrate the rate differences between high and low deductibles. The first data table uses a $250 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $408 | $850 | $382 | $22 | $114 | $1,801 | $150 |
| S5 4.2 Quattro 2-Dr Coupe | $408 | $850 | $382 | $22 | $114 | $1,801 | $150 |
| S5 3.0 Quattro 2-Dr Convertible | $408 | $762 | $382 | $22 | $114 | $1,713 | $143 |
| S5 4.2 Quattro 2-Dr Coupe | $408 | $938 | $382 | $22 | $114 | $1,889 | $157 |
| S5 4.2 Quattro 2-Dr Coupe | $408 | $938 | $382 | $22 | $114 | $1,889 | $157 |
| S5 3.0 Quattro 2-Dr Convertible | $446 | $850 | $382 | $22 | $114 | $1,839 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $332 | $686 | $382 | $22 | $114 | $1,536 | $128 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $686 | $382 | $22 | $114 | $1,536 | $128 |
| S5 3.0 Quattro 2-Dr Convertible | $332 | $614 | $382 | $22 | $114 | $1,464 | $122 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $756 | $382 | $22 | $114 | $1,606 | $134 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $756 | $382 | $22 | $114 | $1,606 | $134 |
| S5 3.0 Quattro 2-Dr Convertible | $362 | $686 | $382 | $22 | $114 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can influence auto insurance rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $22 more each month or $264 a year than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 11 months between claim filings, you would save more money by going with a higher deductible. Here is a better example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $152 |
| Average monthly premium for $500 deductibles (subtract): | – $130 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 11 months |
One important caveat is that a higher deductible level means you will have to cover more of the damage yourself when you do file a claim. You need to make sure you have some money saved in order to pay more to get your vehicle repaired.
The illustration below shows how choosing a deductible and can increase or decrease Audi S5 annual premium costs for different ages of insureds. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Driving violations and accidents
The illustration below highlights how traffic violations and accident claims can affect Audi S5 annual premium costs for different age groups. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Price comparison of only insuring for liability
The example below illustrates the comparison of Audi S5 insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $500 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no definitive formula for dropping physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Audi S5 replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the deductible is paid. If it’s costing in excess of $400 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
What Determines Audi S5 Insurance Premiums?
Many factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, although others are not as apparent like where you live or how safe your car is.
- Low coverage deductibles cost more – The deductibles you choose define how much you are willing to pay out-of-pocket if a claim is determined to be covered. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, fire damage, and having a roll-over accident. The more you choose to pay out-of-pocket, the less your insurance will be.
- Combine policies to earn discounts – Most major insurers provide a discount to insureds who carry more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to shop around to help guarantee you have the best rates.
- Can a thief steal your car? – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
- Frequent claims will cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance companies in Texas award the best rates to people who only file infrequent claims. Your car insurance is intended for claims that pose a financial burden.
- Save by driving vehicles with better crash test results – Cars with high safety ratings get lower rates. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If the Audi S5 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
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Audi S5 insurance loss statistics – Insurance companies use historical loss data when they calculate premium costs for each model. Vehicles that historically have a higher amount or frequency of claims will be charged more to insure.
The next table shows the historical loss data for Audi S5 vehicles. For each coverage category, the claim amount for all vehicles compiled together is equal to 100. Values that are below 100 imply a favorable loss record, while values that are above 100 indicate a higher chance of having a claim or larger claims.
Audi S5 Insurance Claim Statistics 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I need special coverages?
When it comes to choosing coverage online or from an agent for your vehicles, there really is no single plan that fits everyone. You are unique and your policy should reflect that. These are some specific questions might help in determining if you would benefit from an agent’s advice.
- Which companies are cheaper for teen drivers?
- Are rock chip repairs covered?
- What can I do if my company won’t pay a claim?
- Why do I only qualify for high-risk insurance?
- Are my friends covered when driving my car?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Neighborhood agents and insurance
A small number of people would rather sit down and talk to an agent and often times that is recommended Professional agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is the fact that you can find cheap rate quotes and also buy local. Putting coverage with local insurance agencies is still important in San Antonio.
To help locate an agent, after submitting this short form, your information is submitted to participating agents in San Antonio who want to provide quotes for your insurance coverage. You never need to contact any agents since rate quotes are delivered to you directly. If you have a need to get a price quote from a specific company, feel free to search and find their rate quote page to submit a rate quote request.
The different types of car insurance agents
If you want to use a local San Antonio insurance agent, it’s important to understand the types of agencies and how they are slightly different. Insurance agencies in San Antonio can be categorized as either independent or exclusive. Both can sell affordable insurance policies, but it’s good to learn the subtle differences since it may influence your selection of an agent.
Independent Agents (or Brokers)
These agents often have affiliation with several companies and that gives them the ability to insure with lots of companies and find the cheapest rate. To transfer your coverage to a different company, your policy is moved internally and you don’t have to find a new agent.
When comparing insurance rates, we recommend you include price quotes from several independent agencies to maximize your price options. A lot of them also have access to companies that do not advertise much which can save you money.
Listed below are San Antonio independent agents that can possibly get you free insurance rate quotes.
- Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map - A and A Insurance Agency
1317 Castroville Rd – San Antonio, TX 78237 – (210) 434-2311 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Consumers often purchase coverage from exclusives primarily because of the prominent brand name rather than having the cheapest rates.
Shown below is a short list of exclusive agents in San Antonio that can give you rate quotes.
- State Farm: John Pitre
825 W Bitters Rd #105 – San Antonio, TX 78216 – (210) 514-1083 – View Map - Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 – View Map - Paul Wittmaier – State Farm Insurance Agent
16613 Huebner Rd – San Antonio, TX 78248 – (210) 493-3577 – View Map
Deciding on an car insurance agent shouldn’t rely on just a cheap quote. These are valid questions to ask:
- Do the coverages you’re quoting properly cover your vehicle?
- Which companies do they recommend if they are an independent agency?
- How long has their agency been in business in San Antonio?
- Will the company cover a rental car if your car is getting fixed?
- Does the agency provide any after hours assistance?
- Which family members are covered?
Why you need car insurance
Despite the high insurance cost for a Audi S5 in San Antonio, insuring your vehicle may be mandatory for several reasons.
- Most states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Audi has a loan, most lenders will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Audi at a much higher rate and force you to pay for it.
- Insurance safeguards not only your car but also your financial assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car outweigh the cost, especially if you ever need it. As of last year, the average driver in Texas overpays more than $855 a year so it’s important to compare rates once a year at a minimum to be sure current rates are still competitive.
In Summary
Cheaper Audi S5 insurance in San Antonio is attainable both online as well as from independent agents in San Antonio, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not provide price quotes online and most of the time these small, regional companies only sell coverage through independent agents.
When buying insurance coverage, do not reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best price.
You just learned many tips how you can compare Audi S5 insurance premium rates in San Antonio. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even be surprised to find that the best premium rates are with some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.
More learning opportunities
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Auto Insurance for a Honda CR-V in San Antonio? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)
- Avoiding Deer Collisions (Insurance Information Institute)