Cheapest Audi S5 Insurance in Kansas City

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Insurance rates Audi S5 in Kansas CityUnbelievable but true according to a study the vast majority of consumers have been with the same company for a minimum of four years, and approximately 40% of consumers have never quoted rates to find cheap coverage. Kansas City drivers could cut their rates by nearly 25% a year by just comparing quotes, but they just don't understand the amount of savings they would get if they just switched companies.

If your goal is the lowest price, then the best way to get affordable car insurance rates in Kansas City is to begin comparing prices regularly from insurers who provide car insurance in Missouri. This can be done by following these guidelines.

  1. Get an understanding of how insurance works and the modifications you can make to prevent rate increases. Many rating criteria that are responsible for high rates like at-fault accidents and an imperfect credit rating can be remedied by making lifestyle changes or driving safer.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies.
  3. Compare the new quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

The most important part of shopping around is that you use identical limits and deductibles on each price quote and and to get quotes from all possible companies. Doing this provides a fair rate comparison and the best price quote selection.

How to get low cost Audi S5 insurance in Kansas City

When shopping for Audi S5 insurance in Kansas City there are multiple ways to compare rate quotes from companies that offer insurance in Missouri. The recommended way to find competitive Audi S5 insurance rates is simply to get online rate quotes.

Comparison shopping quotes online is easy and it makes it obsolete to drive around to and from local Kansas City insurance agencies. Shopping for insurance online reduces the need to sit down with an agent unless you want the guidance of a local Kansas City agent. Some companies do allow you to comparison shop your insurance online but have your policy serviced through an agent. Just remember that making a lot of price comparisons provides better odds of finding the best offered rates.

The providers in the list below offer free quotes in Missouri. To get the cheapest car insurance in Kansas City, MO, it's a good idea that you visit several of them in order to get a fair rate comparison.

Insurance coverage analysis

The price information shown below outlines a range of insurance policy prices for Audi S5 models. Learning a little about how auto insurance prices are figured can benefit drivers when making informed coverage decisions.

Audi S5 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $246 $612 $302 $18 $90 $1,268 $106
S5 4.2 Quattro 2-Dr Coupe $246 $612 $302 $18 $90 $1,268 $106
S5 3.0 Quattro 2-Dr Convertible $246 $548 $302 $18 $90 $1,204 $100
S5 4.2 Quattro 2-Dr Coupe $246 $676 $302 $18 $90 $1,332 $111
S5 4.2 Quattro 2-Dr Coupe $246 $676 $302 $18 $90 $1,332 $111
S5 3.0 Quattro 2-Dr Convertible $268 $612 $302 $18 $90 $1,290 $108
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in Kansas City location which can lower or raise coverage rates considerably.

Deductible comparison

A question often asked by Kansas City drivers is how high should your deductibles be. The comparison tables below summarize the differences in price when you buy lower versus higher physical damage deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Audi S5 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $286 $594 $266 $16 $80 $1,267 $106
S5 4.2 Quattro 2-Dr Coupe $286 $594 $266 $16 $80 $1,267 $106
S5 3.0 Quattro 2-Dr Convertible $286 $532 $266 $16 $80 $1,205 $100
S5 4.2 Quattro 2-Dr Coupe $286 $656 $266 $16 $80 $1,329 $111
S5 4.2 Quattro 2-Dr Coupe $286 $656 $266 $16 $80 $1,329 $111
S5 3.0 Quattro 2-Dr Convertible $312 $594 $266 $16 $80 $1,293 $108
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Audi S5 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $232 $480 $266 $16 $80 $1,074 $90
S5 4.2 Quattro 2-Dr Coupe $232 $480 $266 $16 $80 $1,074 $90
S5 3.0 Quattro 2-Dr Convertible $232 $430 $266 $16 $80 $1,024 $85
S5 4.2 Quattro 2-Dr Coupe $232 $528 $266 $16 $80 $1,122 $94
S5 4.2 Quattro 2-Dr Coupe $232 $528 $266 $16 $80 $1,122 $94
S5 3.0 Quattro 2-Dr Convertible $254 $480 $266 $16 $80 $1,096 $91
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can decrease or increase coverage prices considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $16 more each month or $192 annually averaged for all S5 models than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claims, you would save more money going with the higher deductible.

The information below demonstrates how deductible levels and can influence Audi S5 yearly insurance costs for different age groups. Data assumes a married male driver, full coverage, and no policy discounts are applied.

Impact of careless driving on insurance rates

The chart below demonstrates how citations and at-fault collisions can drive up Audi S5 insurance costs for each different age group. The data is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Three reasons car insurance is important

Despite the high cost, buying car insurance is required for several reasons.

  • Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability protection in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your S5 with a loan, most lenders will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Audi for a much higher rate and require you to reimburse them a much higher amount than you were paying before.
  • Car insurance protects both your Audi S5 and your assets. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having car insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is wasting up to $825 a year so shop around every year to be sure current rates are still competitive.

Buy More Affordable Car Insurance with These Tips

Multiple criteria are considered when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are more obscure like your vehicle usage or your financial responsibility.

  • Cheaper rates by bundling - Some insurance companies afford discounts to clients that purchase more than one policy. It's known as a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, drivers will still want to compare other Kansas City S5 insurance rates to help guarantee you have the best rates. You may still find better rates by buying insurance from more than one company.
  • Liability is critical - The liability coverage on your policy will afford coverage if you are found to be at fault for damages from an accident. Your policy's liability insurance provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
  • What type of car do you drive? - The make and model of the vehicle you need to insure makes a huge difference in how high your rates are. The cheapest insurance rates will normally be found when insuring lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.

    The following data uses these assumptions: married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Audi S5 insurance premiums compared to other makes and models that have different performance rating factors.

  • A policy lapse is a bad thing - Letting your insurance expire is a quick way to increase your car insurance rates. Not only will you pay more, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Pleasure use or commuting - The higher the miles on your Audi annually the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Autos that have low annual miles can be on a lower rate level than cars that get driven a lot. An improperly rated S5 can result in significantly higher rates. Ask your agent if your car insurance coverage reflects the proper vehicle usage.
  • Theft deterrents save - Choosing a vehicle with anti-theft technology or alarm system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
  • Audi S5 historical loss data - Insurance companies use statistical claims data to help determine costs. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will cost more for specific coverages. The next table illustrates the collected loss data for Audi S5 vehicles.

    For each policy coverage, the claim amount for all vehicles compiled together is set at 100. Numbers that are below 100 indicate better than average losses, while values that are above 100 indicate a higher chance of having a claim or larger claims.

    Auto Insurance Loss Data for Audi S5 Models
    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

    Empty fields indicate not enough data collected
    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Do I just need basic coverages?

When quoting and comparing a policy, there really is not a "perfect" insurance plan. Your situation is unique and your car insurance should be unique as well.Higher deductibles save money Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Should I buy full coverage?
  • Is my ex-spouse still covered by my policy?
  • How can I get my company to pay me more for my totaled car?
  • Does low annual mileage earn a discount?
  • When do I need to add a new car to my policy?
  • Can I get a multi-policy discount?

If you can't answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Affordable auto insurance premiums are out there

When getting Kansas City auto insurance quotes online, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits and learned later they didn't purchase enough coverage. The aim is to find the BEST coverage at the best cost while still protecting your assets.

Some insurance companies may not provide online rate quotes and most of the time these regional insurance providers work with local independent agencies. Lower-priced Audi S5 insurance in Kansas City is definitely available online and also from your neighborhood Kansas City agents, and you should compare rates from both so you have a total pricing picture.

Additional auto insurance information is available on the following sites: