Trying to find more affordable Audi S5 insurance in Mesa? If you’re shopping for lower-priced insurance online, do you get confused by the dozens of insurance companies in Mesa? Arizona people have so many options that it can easily turn into a real challenge to find lower rates on Audi S5 insurance. Mesa is a great city to live in, but having to pay for pricey insurance can make it nearly impossible for many drivers to afford good insurance coverage.
It goes without saying that car insurance companies want to keep you from comparing rates. People who get price quotes annually will probably switch to a new company because they have good chances of finding a policy with better rates. A recent survey discovered that people who shopped around every year saved as much as $865 annually as compared to drivers who never shopped around.
If finding the most affordable Audi S5 insurance is the reason for your visit, then understanding the best ways to find and compare car insurance can help make the process easier and more efficient.
It is always a good idea to take a look at other company’s rates quite often because insurance prices trend upward over time. Just because you found the lowest quotes on Audi S5 insurance in Mesa a couple years back you will most likely find a better rate today. Block out anything you think you know about insurance because you’re going to learn the proper way to find better rates and still maintain coverage.
Discounts can help lower premiums on Audi S5 insurance in Mesa
Some providers don’t always list all possible discounts in a way that’s easy to find, so the list below contains both the well known as well as the least known credits available to lower your premiums when you buy Mesa auto insurance online. If you do not double check each discount you deserve, you could be paying more than you need to.
- Low Mileage Discounts – Keeping the miles down on your Audi may allow you to get better premium rates on cars that stay parked.
- Government Employees – Active or former government employment may reduce rates when you quote Mesa auto insurance depending on your insurance provider.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Data Collection Discounts – Mesa drivers who agree to allow their insurance company to analyze driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
- Life Insurance – Larger insurance carriers have a small discount if you purchase life insurance from them.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will help reduce the premium cost.
The illustration below illustrates the difference between Audi S5 car insurance rates with and without discounts applied to the policy premium. Data assumes a female driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.
A list of insurance companies and their offered discounts are outlined below.
- Travelers offers discounts including student away at school, hybrid/electric vehicle, multi-car, home ownership, new car, and save driver.
- 21st Century offers discounts for air bags, defensive driver, teen driver, student driver, and driver training.
- State Farm has savings for accident-free, Steer Clear safe driver discount, passive restraint, student away at school, and safe vehicle.
- GEICO may have discounts that include military active duty, anti-theft, driver training, multi-policy, good student, and federal employee.
- SAFECO includes discounts for teen safety rewards, anti-theft, anti-lock brakes, homeowner, and drive less.
- AAA has discounts for multi-policy, education and occupation, multi-car, anti-theft, and pay-in-full.
When comparing rates, check with all the companies how many discounts you can get. Savings may not apply in Mesa. If you would like to see a list of insurance companies that have a full spectrum of discounts in Mesa, follow this link.
Free Mesa Audi S5 insurance quotes
To find affordable Audi S5 insurance quotes, there are several ways of comparing rate quotes from many different Arizona insurance companies. By far the easiest way to compare insurance prices is to get quotes online.
Just remember that comparing a large number of companies helps increase your odds of locating the best rates. Some companies don’t provide Mesa S5 insurance quotes over the internet, so you should also compare price quotes from the smaller companies as well.
The companies shown below provide price quotes in Arizona. To buy cheap auto insurance in Mesa, AZ, we suggest you visit several of them to find the cheapest auto insurance rates.
Car insurance analysis for an Audi S5
The rate information below showcases a range of policy rates for Audi S5 models. Being more informed about how insurance prices are calculated can help customers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $254 | $528 | $306 | $18 | $92 | $1,198 | $100 |
| S5 4.2 Quattro 2-Dr Coupe | $254 | $528 | $306 | $18 | $92 | $1,198 | $100 |
| S5 3.0 Quattro 2-Dr Convertible | $254 | $474 | $306 | $18 | $92 | $1,144 | $95 |
| S5 4.2 Quattro 2-Dr Coupe | $254 | $584 | $306 | $18 | $92 | $1,254 | $105 |
| S5 4.2 Quattro 2-Dr Coupe | $254 | $584 | $306 | $18 | $92 | $1,254 | $105 |
| S5 3.0 Quattro 2-Dr Convertible | $276 | $528 | $306 | $18 | $92 | $1,220 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in specific garaging location which can modify rates considerably.
Physical damage deductibles: Should you raise them?
One common question asked by Mesa drivers is where should you set your physical damage deductibles. The rates below help summarize the differences in price between low and high deductibles. The first rate estimation uses a $100 physical damage coverage 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 | $358 | $798 | $300 | $18 | $90 | $1,589 | $132 |
| S5 4.2 Quattro 2-Dr Coupe | $358 | $798 | $300 | $18 | $90 | $1,589 | $132 |
| S5 3.0 Quattro 2-Dr Convertible | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| S5 4.2 Quattro 2-Dr Coupe | $358 | $882 | $300 | $18 | $90 | $1,673 | $139 |
| S5 4.2 Quattro 2-Dr Coupe | $358 | $882 | $300 | $18 | $90 | $1,673 | $139 |
| S5 3.0 Quattro 2-Dr Convertible | $390 | $798 | $300 | $18 | $90 | $1,621 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $262 | $540 | $300 | $18 | $90 | $1,210 | $101 |
| S5 4.2 Quattro 2-Dr Coupe | $262 | $540 | $300 | $18 | $90 | $1,210 | $101 |
| S5 3.0 Quattro 2-Dr Convertible | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| S5 4.2 Quattro 2-Dr Coupe | $262 | $596 | $300 | $18 | $90 | $1,266 | $106 |
| S5 4.2 Quattro 2-Dr Coupe | $262 | $596 | $300 | $18 | $90 | $1,266 | $106 |
| S5 3.0 Quattro 2-Dr Convertible | $286 | $540 | $300 | $18 | $90 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific location which can increase or decrease auto insurance rates significantly.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $32 more each month or $384 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claims, you would more than likely save some money by going with a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $134 |
| Average monthly premium for $500 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One big caveat is that a higher deductible level means you will have to pay more of your own money when you file a claim. That will force you to have some extra savings in the event you have to pay more for the deductible.
The diagram below shows how choosing a deductible and can raise or lower Audi S5 yearly insurance costs for each different age category. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.
What if I want to buy from local Mesa insurance agents?
Some consumers still like to get professional advice from a licensed agent and that is a smart decision A nice benefit of comparing auto insurance online is the fact that you can find lower rates and still have a local agent.
After completing this short form, the quote information is immediately sent to insurance agents in Mesa who will give you quotes and help you find cheaper coverage. You won’t need to visit any agencies due to the fact that quote results will go immediately to you. It’s the lowest rates without requiring a lot of work. If you have a need to compare rates from a specific insurance company, you can always jump over to their website and fill out their quote form.
Choosing the best company requires more thought than just a cheap price. Any good agent in Mesa should know the answers to these questions.
- Who is covered by the car insurance policy?
- Does the company allow you to choose your own collision repair facility?
- Which companies do they recommend if they are an independent agency?
- Is there a 24/7 contact number?
- Do they review policy coverages at every renewal?
If you are wanting to purchase auto insurance from a reliable insurance agent, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Agencies in Mesa can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
These agents can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on the products they sell which can be an advantage. Consumers sometimes use the same exclusive agent partially due to the prominence of the brand rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agents in Mesa who may provide you with price quotes.
- Allstate Insurance: John Lawlor
4710 E Falcon Dr Ste 111 – Mesa, AZ 85215 – (480) 807-0675 – View Map - Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681 – View Map - American Family Insurance – Tony Huberty Agency Inc.
1830 S Alma School Rd Ste 126 – Mesa, AZ 85210 – (480) 413-0231 – View Map
Independent Agencies or Brokers
Agents in the independent channel are not limited to a single company so as a result can place your coverage through lots of different companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company and you stay with the same agent. When comparison shopping, you need to get insurance quotes from multiple independent agents to get the best comparison. Many independent agencies also insure through companies that do not advertise much which can be an advantage.
Below are independent agencies in Mesa willing to provide comparison quotes.
- Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map - Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map
Auto insurance coverages
Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for collisions
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your S5 to save money on collision insurance.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi S5.
Since many Arizona drivers have only the minimum liability required by law (15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, surgery, nursing services, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible
Auto liability
This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for claims like repair costs for stationary objects, attorney fees, pain and suffering, loss of income and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy better liability coverage.
The next chart demonstrates why the minimum limit may not be high enough to adequately cover claims.
Comprehensive insurance
This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle, hail damage, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
In Summary
Insureds change insurance companies for a variety of reasons including denial of a claim, high prices, lack of trust in their agent and even poor customer service. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.
The cheapest Audi S5 insurance in Mesa is attainable on the web in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and many times these small, regional companies only sell coverage through local independent agents.
Steps to buying lower priced Audi S5 insurance in Mesa
It takes a few minutes, but the best way to get affordable Audi S5 insurance is to make a habit of comparing prices annually from different companies in Mesa. Drivers can shop around by following these guidelines.
- Spend some time learning about how insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that cause high rates like your driving record and an imperfect credit history can be amended by making minor changes to your lifestyle.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes from many different companies.
- Compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and make a switch, ensure coverage does not lapse between policies.
One piece of advice is to use similar deductibles and liability limits on each quote request and and to get rates from as many carriers as you can. This enables a fair rate comparison and the most accurate and complete price analysis.
Additional detailed information can be read by following these links:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- What Car Insurance is Cheapest for 18 Year Olds in Mesa? (FAQ)
- Who Has Affordable Mesa Car Insurance Quotes for Good Drivers? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Mesa? (FAQ)
- How Much is Mesa Car Insurance for a Toyota Corolla? (FAQ)
- Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
- How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance for High Risk Drivers in Mesa? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Medical Payments Coverage (Liberty Mutual)
- Auto Insurance Learning Center (State Farm)
- Teen Driving and Texting (State Farm)