Looking for the cheapest Audi S5 insurance in Tulsa? Are you burned out from scraping nickels together to pay insurance each month? You are in the same boat as the majority of other vehicle owners in Oklahoma.
It’s a fact that insurance companies don’t want you shop around. People who shop around for a cheaper policy will most likely buy a different policy because there are good odds of finding better rates. Surprisingly, a recent survey revealed that consumers who routinely shopped for cheaper coverage saved $3,400 over four years compared to other drivers who never compared prices.
If finding discount rates on Audi S5 insurance in Tulsa is your ultimate goal, then having an understanding of the best way to shop and compare auto insurance can help make the process easier.
How to find discount Audi S5 insurance in Tulsa
Truthfully, the best way to find low-cost prices for Audi S5 insurance is to start comparing prices yearly from insurers who sell auto insurance in Tulsa. You can compare rates by following these guidelines.
- First, gain an understanding of how companies price auto insurance and the modifications you can make to keep rates low. Many things that result in higher rates like traffic violations, accidents, and an unacceptable credit score can be amended by making lifestyle changes or driving safer.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Click to view companies
- Third, compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is to try to compare identical coverages on every quote and and to analyze every company you can. Doing this ensures an accurate price comparison and a complete rate analysis.
Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to get the best rate on Audi S5 insurance in Tulsa.
If you are already insured or just want to save money, you can use this information to cut your premiums without sacrificing coverage. Locating the most cost-effective car insurance policy in Tulsa can be easy if you know a few tricks. Shoppers just need to understand the quickest method to compare prices over the internet.
All major insurance companies such as State Farm and Allstate make it easy to get coverage price quotes on their websites. Comparing Audi S5 insurance rates online is quite simple as you just type in the coverages you want on the page. After you submit the form the system gets reports for credit and driving violations and generates a price based on the information you submitted. Quoting online for Audi S5 insurance in Tulsa makes it simple to compare prices and it is important to do this if you want to get affordable rates.
To find out how much you can save on insurance, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will receive a price comparison based on the exact same insurance coverage.
The companies shown below can provide comparison quotes in Oklahoma. If multiple companies are listed, it’s a good idea that you compare several of them to find the most competitive car insurance rates.
Why you need S5 insurance in Oklahoma
Even though it’s not necessarily cheap to insure an Audi in Tulsa, buying auto insurance is most likely required but also gives you several important benefits.
- Most states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Audi S5 with a loan, almost all lenders will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Audi at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards both your car and your assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your S5 more than offset the price you pay, especially for larger claims. But the average driver in Oklahoma overpays more than $855 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.
Insurance analysis for an Audi S5
The data table displayed below highlights different insurance rates for Audi S5 models. Understanding more about how prices are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $418 | $1014 | $430 | $26 | $128 | $2,016 | $168 |
| S5 4.2 Quattro 2-Dr Coupe | $418 | $1014 | $430 | $26 | $128 | $2,016 | $168 |
| S5 3.0 Quattro 2-Dr Convertible | $418 | $910 | $430 | $26 | $128 | $1,912 | $159 |
| S5 4.2 Quattro 2-Dr Coupe | $418 | $1120 | $430 | $26 | $128 | $2,122 | $177 |
| S5 4.2 Quattro 2-Dr Coupe | $418 | $1120 | $430 | $26 | $128 | $2,122 | $177 |
| S5 3.0 Quattro 2-Dr Convertible | $456 | $1014 | $430 | $26 | $128 | $2,054 | $171 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates significantly.
Audi S5 liability-only versus full coverage
The example below shows the comparison of Audi S5 car insurance costs with and without full coverage. The rates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no set rule of when to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s say your Audi S5 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your deductible. If premiums are more than $700 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
These discounts can cut Audi S5 insurance rates
The price of auto insurance can be rather high, but you may qualify for discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but lesser-known reductions have to be asked about prior to receiving the credit.
- Paperless Signup – A few larger online companies will provide an incentive get Tulsa auto insurance online.
- Discounts for Multiple Vehicles – Insuring multiple cars with the same insurance company can reduce rates for all insured vehicles.
- Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
- Lower Rates for Military – Having an actively deployed family member may lower your premium rates slightly.
- Good Students Pay Less – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
- Driver’s Education for Students – Teen drivers should take driver’s ed class in school or through a local driver safety program.
You should keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you’re out of luck.
The illustration below shows the difference between Audi S5 insurance rates with and without discounts applied to the premium. The premiums are based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
A few of the larger companies and some of the premium reductions they offer can be read below.
- State Farm discounts include defensive driving training, driver’s education, good student, Steer Clear safe driver discount, safe vehicle, multiple policy, and anti-theft.
- GEICO may offer discounts for multi-vehicle, military active duty, daytime running lights, five-year accident-free, good student, multi-policy, and emergency military deployment.
- SAFECO includes discounts for multi-car, teen safe driver, safe driver, drive less, homeowner, teen safety rewards, and anti-theft.
- Farmers Insurance has discounts for youthful driver, homeowner, switch companies, early shopping, bundle discounts, electronic funds transfer, and mature driver.
- AAA has savings for multi-policy, multi-car, good driver, good student, pay-in-full, education and occupation, and anti-theft.
- USAA may have discounts that include good student, vehicle storage, multi-vehicle, loyalty savings, annual mileage, defensive driver, and new vehicle.
Before buying, ask each company which discounts can lower your rates. Some credits may not apply in Tulsa. To choose insurance companies offering insurance discounts in Tulsa, click here to view.
Can’t I get rate quotes from local Tulsa car insurance agents?
Many people would prefer to get professional advice from a licensed agent and that is a smart decision Licensed agents can answer important questions and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get cheap car insurance quotes but also keep your business local.
Upon completion of this quick form, the coverage information is immediately sent to agents in your area who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because prices are sent straight to your inbox. If for some reason you want to compare prices from a specific insurance company, you just need to go to their quote page and complete a quote there.
Finding a good provider should include more criteria than just the quoted price. Any agent in Tulsa should be forthright in answering these questions:
- If you raise deductibles, how much can you save?
- Does the company allow you to choose your own collision repair facility?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they involved in claim handling?
- Where would your vehicle be repaired?
Best car insurance in Tulsa
Ending up with the top insurer can be difficult considering how many companies provide coverage in Oklahoma. The rank data in the next section may help you pick which car insurance providers you want to consider buying from.
Top 10 Tulsa Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Tulsa Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Affordable car insurance premiums are possible
Budget-conscious Audi S5 insurance can be purchased on the web and from local agencies, so get free Tulsa auto insurance quotes from both of them to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and usually these regional carriers work with independent insurance agencies.
As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal is to buy enough coverage at the lowest possible cost while still protecting your assets.
How to find low-cost Audi S5 insurance in Tulsa
The best way to get affordable Audi S5 insurance is to do an annual price comparison from different companies that insure vehicles in Tulsa.
Step 1: Try to learn about policy coverages and the changes you can make to keep rates down. Many risk factors that cause high rates like careless driving and a lousy credit rating can be eliminated by paying attention to minor details.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple companies.
Step 3: Compare the new rates to your current policy to determine if you can save on S5 insurance. If you find a lower rate, make sure there is no coverage gap between policies.
An important bit of advice to remember is to try to compare identical coverage information on every price quote and and to get quotes from as many car insurance companies as possible. This enables a fair price comparison and and a good selection of different prices.
For more information, feel free to browse the articles below:
- Understanding Limits and Deductibles (Allstate)
- Who Has Affordable Auto Insurance Rates for 17 Year Olds in Tulsa? (FAQ)
- How Much is Car Insurance for Drivers with Bad Credit in Tulsa? (FAQ)
- What is the Best Auto Insurance in Tulsa, OK? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)