Truthfully, the best way to get the cheapest Audi S5 insurance in New Orleans is to compare prices at least once a year from companies who sell insurance in Louisiana. This can be done by following these guidelines.
First, read and learn about individual coverages and the modifications you can make to prevent expensive coverage. Many rating factors that are responsible for high rates like traffic violations and a not-so-good credit rating can be amended by making lifestyle changes or driving safer. Keep reading for tips to get cheaper rates and find available discounts that you may qualify for.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources.
Third, compare the quotes to the premium of your current policy to see if a cheaper rate is available in New Orleans. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
A valuable tip to remember is to try to compare identical coverage information on each price quote and and to get rates from as many companies as feasibly possible. This provides the most accurate price comparison and the best price selection.
It’s easy to assume that car insurance companies don’t want you to look at other companies. Drivers who get comparison quotes at least once a year are likely to switch companies because there is a good probability of finding more affordable rates. Remarkably, a study showed that people who compared rates once a year saved $865 a year compared to drivers who didn’t regularly shop around.
If saving the most money on Audi S5 insurance in New Orleans is your ultimate target, learning how to find companies and compare cheaper coverage can make it easier to shop your coverage around.
How to compare Audi S5 insurance rate quotes in New Orleans, Louisiana
When comparison shopping, there are several ways to compare quotes from different companies. The fastest way to compare Audi S5 insurance prices is to get quotes online.
It’s so easy to compare quotes online that it replaces the need to waste gas driving to and from local New Orleans insurance agencies. Quoting and buying Audi S5 insurance online reduces the need to sit down with an agent unless you require the professional advice of a local New Orleans agent. Although you can price shop your coverage online but still have the advice of a local agent. When comparing auto insurance rates, know that comparing a large number of companies provides better odds of finding more affordable insurance. Some regional insurers cannot provide online price quotes, so it’s recommended that you also compare price quotes from them as well.
The companies shown below provide price quotes in New Orleans, LA. To buy cheap auto insurance in New Orleans, it’s a good idea that you visit two to three different companies to get the best price comparison.
Facts and figures for Audi S5 insurance
The price information displayed below showcases detailed analysis of coverage costs for Audi S5 models. Having a good understanding how insurance quotes are determined can be valuable when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $476 | $1274 | $524 | $32 | $158 | $2,464 | $205 |
| S5 4.2 Quattro 2-Dr Coupe | $476 | $1274 | $524 | $32 | $158 | $2,464 | $205 |
| S5 3.0 Quattro 2-Dr Convertible | $476 | $1142 | $524 | $32 | $158 | $2,332 | $194 |
| S5 4.2 Quattro 2-Dr Coupe | $476 | $1406 | $524 | $32 | $158 | $2,596 | $216 |
| S5 4.2 Quattro 2-Dr Coupe | $476 | $1406 | $524 | $32 | $158 | $2,596 | $216 |
| S5 3.0 Quattro 2-Dr Convertible | $520 | $1274 | $524 | $32 | $158 | $2,508 | $209 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can affect auto insurance rates significantly.
Car insurance deductibles
One frequently asked question is which deductible level should you buy. The comparisons below may aid in understanding the difference in cost between high and low coverage deductibles. The first table uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $554 | $1236 | $464 | $28 | $140 | $2,447 | $204 |
| S5 4.2 Quattro 2-Dr Coupe | $554 | $1236 | $464 | $28 | $140 | $2,447 | $204 |
| S5 3.0 Quattro 2-Dr Convertible | $554 | $1108 | $464 | $28 | $140 | $2,319 | $193 |
| S5 4.2 Quattro 2-Dr Coupe | $554 | $1366 | $464 | $28 | $140 | $2,577 | $215 |
| S5 4.2 Quattro 2-Dr Coupe | $554 | $1366 | $464 | $28 | $140 | $2,577 | $215 |
| S5 3.0 Quattro 2-Dr Convertible | $606 | $1236 | $464 | $28 | $140 | $2,499 | $208 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $308 | $652 | $464 | $28 | $140 | $1,592 | $133 |
| S5 4.2 Quattro 2-Dr Coupe | $308 | $652 | $464 | $28 | $140 | $1,592 | $133 |
| S5 3.0 Quattro 2-Dr Convertible | $308 | $584 | $464 | $28 | $140 | $1,524 | $127 |
| S5 4.2 Quattro 2-Dr Coupe | $308 | $720 | $464 | $28 | $140 | $1,660 | $138 |
| S5 4.2 Quattro 2-Dr Coupe | $308 | $720 | $464 | $28 | $140 | $1,660 | $138 |
| S5 3.0 Quattro 2-Dr Convertible | $336 | $652 | $464 | $28 | $140 | $1,620 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can increase or decrease premiums significantly.
We can derive from the above data that using a $100 deductible costs approximately $73 more each month or $876 for a full year averaged for all S5 models than quoting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 12 months between claim filings, you would most likely save money if you choose the higher deductible.
The diagram below shows how choosing a deductible and can influence Audi S5 premium costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Car insurance rates by age and gender
The illustration below illustrates the comparison of Audi S5 premium costs for male and female drivers. The costs are based on no claims or driving violations, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Auto insurance policy discounts for Audi S5 insurance in New Orleans
Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that you may not even know about. Most are applied when you complete an application, but a few need to be asked for in order for you to get them.
- Telematics Devices – Drivers that enable driving data submission to track driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
- Discount for New Cars – Buying insurance on a new vehicle can save you some money because newer vehicles keep occupants safer.
- College Student – College-age children who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
- Responsible Drivers – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
- Driver Education Discount – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on New Orleans auto insurance quote as opposed to policyholders that have many claims.
- Defensive Driver Discount – Completing a course in safe driver could save 5% or more and easily pay for the cost of the class.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
- Professional Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on auto insurance.
- Auto/Home Discount – When you combine your home and auto insurance with one company you could earn a discount of 10% to 20% off each policy.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck.
The illustration below shows the comparison of Audi S5 car insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or driving citations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.
Some companies that may offer some of the above discounts include:
Before purchasing a policy, check with every insurance company which discounts you qualify for. Savings might not be offered in New Orleans. If you would like to choose from a list of providers who offer cheap Audi S5 insurance quotes in Louisiana, click this link.
It may be expensive, but it’s not optional
Even though New Orleans S5 insurance rates can get expensive, maintaining insurance is required in Louisiana but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance in order to get the vehicle licensed. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your S5 has a loan, most banks will stipulate that you have full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Audi at an extremely high rate and require you to pay the higher premium.
- Insurance protects both your assets and your vehicle. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver is currently overpaying as much as $869 every year so compare rate quotes each time the policy renews to save money.
What if I want to buy from local New Orleans auto insurance agents?
Many drivers still like to visit with an insurance agent and that can be a smart move One of the benefits of comparing rate quotes online is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent. Putting coverage with neighborhood insurance agencies is definitely important in New Orleans.
After filling out this short form, the quote information is submitted to participating agents in New Orleans that can provide free New Orleans auto insurance quotes to get your business. There is no need to even leave your home due to the fact that quote results will go straight to your inbox. It’s the lowest rates AND a local agent. In the event you want to get a price quote from a specific auto insurance provider, just navigate to their website and fill out the quote form the provide.
New Orleans auto insurance agents are either independent or exclusive
If you are wanting to purchase auto insurance from a reliable insurance agency, it can be helpful to understand the different types of agencies that you can choose from. New Orleans agents can be classified as either independent (non-exclusive) or exclusive.
Independent Insurance Agents
These type of agents are not locked into one company so they can write business through many companies and get you the best rates possible. If they quote lower rates, your policy is moved internally which makes it simple for you. When shopping rates, you will want to check rates from at least one independent agent to get the best comparison.
Shown below are New Orleans independent insurance agents that may be able to give free auto insurance rate quotes.
ABC Insurance
4101 S Carrollton Ave c – New Orleans, LA 70119 – (504) 486-0123 – View Map
J Everett Eaves
650 Poydras St # 1500 – New Orleans, LA 70130 – (504) 581-5353 – View Map
Murphy Insurance LLC
2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map
Exclusive Insurance Agents
Agents of this type normally can only provide a single company’s rates and examples are Allstate and State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are well trained on their products and sales techniques and that allows them to sell at a higher price point.
Shown below is a list of exclusive agents in New Orleans that can give you price quote information.
Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map
Allstate Insurance: Daniel Occhi
4006 Canal St – New Orleans, LA 70119 – (504) 517-9080 – View Map
Andy Bowden – State Farm Insurance Agent
6325 Elysian Fields Ave a – New Orleans, LA 70122 – (504) 288-2219 – View Map
Selecting an auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:
- Which insurance companies are they affiliated with?
- How are they compensated?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is their price quote a firm figure or are their hidden costs?
- Do they offer accident forgiveness?
- Does the quote include credit and driving reports?
- Will they take your side in the event of a claim?
- Do they reduce claim amounts on high mileage vehicles?
If you receive positive responses to any questions you may have and an acceptable price quote, most likely you have located a car insurance agent that meets your needs to service your policy.