Are you trying to find more affordable car insurance rates in Columbus, OH? Columbus shoppers have many options when shopping for low-cost Audi S5 insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to find the lowest rates.
There are more efficient ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Audi and obtain the lowest possible price from both online companies and Columbus agents.
You should take the time to check car insurance prices occasionally because prices are adjusted regularly by insurance companies. If you had the lowest quotes on Audi S5 insurance in Columbus at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn how to use online quotes to eliminate unnecessary coverages and save money on Audi S5 insurance in Columbus.
How to buy Audi S5 insurance online
All the larger auto insurance companies provide insurance quotes on their websites. Getting quotes for Audi S5 insurance in Columbus doesn’t take a lot of time as you simply type in the amount of coverage you want into a form. Once entered, their quoting system will obtain credit information and your driving record and gives you a price quote based on these and other factors.
Using the web to get price quotes for Audi S5 insurance in Columbus makes it easy to compare insurance prices and it’s absolutely necessary to compare as many rates as possible if you want to get the cheapest price.
If you want to compare rates now, compare rates now from the companies shown below. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. This helps ensure you will get rate comparison quotes based on identical coverages.
The following companies have been selected to offer price quotes in Ohio. If the list has multiple companies, we recommend you get rates from several of them to get the most affordable price.
Cheap Columbus auto insurance rates with discounts
Some providers don’t always list all their discounts in an easy-to-find place, so we researched some of the more common and the more hidden credits available to lower your premiums when you buy Columbus car insurance online.
- Smart Student Discounts – This discount may save as much as 25% on a Columbus car insurance quote. Earning this discount can benefit you well after school through age 25.
- No Claims – Good drivers with no accidents get the best auto insurance rates in comparison to bad drivers.
- Driver Training Discounts – Taking a course teaching safe driver skills can save you 5% or more if your company offers it.
- Pay Now and Pay Less – By making one initial payment instead of paying each month you may have a lower total premium amount.
- Paperwork-free – Some auto insurance companies will provide an incentive get Columbus car insurance digitally online.
- Multiple Policy Discount – If you have multiple policies with one company you will save up to 20% off your total S5 insurance premium.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Early Signing – Some larger companies provide a discount for signing up prior to the expiration date on your current S5 insurance policy. This can save 10% or more.
- Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Remember that most of the big mark downs will not be given to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn’t work that way.
The illustration below visualizes the comparison of Audi S5 auto insurance costs with and without policy discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.
To view insurers with the best Audi S5 insurance discounts in Columbus in Ohio, follow this link.
Audi S5 coverage analysis
The information below highlights estimates of prices for Audi S5 models. Having a good understanding how rates are figured can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $266 | $694 | $274 | $16 | $82 | $1,332 | $111 |
| S5 4.2 Quattro 2-Dr Coupe | $266 | $694 | $274 | $16 | $82 | $1,332 | $111 |
| S5 3.0 Quattro 2-Dr Convertible | $266 | $622 | $274 | $16 | $82 | $1,260 | $105 |
| S5 4.2 Quattro 2-Dr Coupe | $266 | $768 | $274 | $16 | $82 | $1,406 | $117 |
| S5 4.2 Quattro 2-Dr Coupe | $266 | $768 | $274 | $16 | $82 | $1,406 | $117 |
| S5 3.0 Quattro 2-Dr Convertible | $290 | $694 | $274 | $16 | $82 | $1,356 | $113 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in specific Columbus garaging location which can decrease or increase price quotes greatly.
Informed Drivers Can Reduce Their Insurance Rates
When buying auto insurance it’s important to understand a few of the rating criteria that go into determining the level of your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that can help you get better auto insurance rates.
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Do females or males drive better? – Over time, data shows that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Females and males are responsible for auto accidents at a similar rate, but the men get into accidents with more damage. Not only are claims higher, but men have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
The illustration below visualizes the comparison of Audi S5 insurance costs for male and female drivers. The costs are based on no violations or accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.
- How many miles do you drive? – The higher the miles on your Audi every year the higher the price you pay to insure it. Most companies price each vehicle’s coverage based on their usage. Autos that are left in the garage qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your S5 may be costing you. It’s a smart idea to ensure your auto insurance policy correctly shows annual mileage, because it can save money.
- Eliminate unneeded extra coverages – There are quite a few add-on coverages you can purchase if you aren’t diligent. Coverages like roadside assistance, towing coverage, and extra life insurance coverage are examples of these. The coverages may be enticing at first, but if you don’t need them remove them from your policy.
- High credit scores save money – Credit score can be an important factor in determining what you pay. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with worse credit. If your credit rating is low, you could save money insuring your Audi S5 by taking the time to improve your credit score.
- Being married brings a discount – Having a significant other may cut your premiums on auto insurance. It may mean you are more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
- Safer cars means better auto insurance rates – Vehicles that have high safety ratings can get you lower premiums. Safer cars reduce occupant injuries and better occupant protection translates into savings for insurance companies and thus lower rates.
- Deter car thieves – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft and help lower rates.
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Audi S5 insurance claim data – Companies include the past claim trends for vehicles to help calculate a profitable premium price. Models that have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The next table shows the historical loss data for Audi S5 vehicles.
For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Percentage values below 100 represent a good loss history, while percentages above 100 indicate a higher chance of having a claim or statistically larger claims.
Auto Insurance Loss Data for Audi S5 Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years