Compare Audi S5 Insurance Quotes in Oklahoma City

Sad but true, the vast majority of auto insurance customers have been with the same company for a minimum of four years, and approximately 40% of consumers have never shopped around. The average driver in Oklahoma can save hundreds of dollars each year by just comparing quotes, but they don’t invest the time required to compare rate quotes online.

Insurance for Audi S5The recommended way to get budget auto insurance rates is to annually compare prices from insurers that insure vehicles in Oklahoma City. Rate comparisons can be done by completing these steps.

The most important part of this process is to make sure you’re comparing identical coverage information on each quote request and and to get rate quotes from as many companies as you can. Doing this ensures an accurate price comparison and a complete price analysis.

If you have coverage now or need a new policy, you can use these techniques to reduce premiums and still have adequate protection. Finding affordable car insurance coverage in Oklahoma City is easy if you know what you’re doing. You just have to understand the most efficient way to compare price quotes online.

The following companies have been selected to offer price quotes in Oklahoma. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Audi S5 insurance rates and statistics

The premium information displayed below covers estimates of insurance costs for Audi S5 models. Being able to understand how rate quotes are determined is important for you to make smart choices when buying a car insurance policy.

Audi S5 Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $460 $1230 $506 $30 $152 $2,378 $198
S5 4.2 Quattro 2-Dr Coupe $460 $1230 $506 $30 $152 $2,378 $198
S5 3.0 Quattro 2-Dr Convertible $460 $1102 $506 $30 $152 $2,250 $188
S5 4.2 Quattro 2-Dr Coupe $460 $1358 $506 $30 $152 $2,506 $209
S5 4.2 Quattro 2-Dr Coupe $460 $1358 $506 $30 $152 $2,506 $209
S5 3.0 Quattro 2-Dr Convertible $502 $1230 $506 $30 $152 $2,420 $202
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in your specific Oklahoma City location which can alter prices noticeably.

Physical damage deductibles

One of the most common auto insurance questions is what deductibles to buy. The following insurance rates can help show the differences in price when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second price table uses a $500 deductible.

Audi S5 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $480 $1000 $448 $26 $134 $2,113 $176
S5 4.2 Quattro 2-Dr Coupe $480 $1000 $448 $26 $134 $2,113 $176
S5 3.0 Quattro 2-Dr Convertible $480 $896 $448 $26 $134 $2,009 $167
S5 4.2 Quattro 2-Dr Coupe $480 $1104 $448 $26 $134 $2,217 $185
S5 4.2 Quattro 2-Dr Coupe $480 $1104 $448 $26 $134 $2,217 $185
S5 3.0 Quattro 2-Dr Convertible $524 $1000 $448 $26 $134 $2,157 $180
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Audi S5 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $390 $806 $448 $26 $134 $1,804 $150
S5 4.2 Quattro 2-Dr Coupe $390 $806 $448 $26 $134 $1,804 $150
S5 3.0 Quattro 2-Dr Convertible $390 $722 $448 $26 $134 $1,720 $143
S5 4.2 Quattro 2-Dr Coupe $390 $890 $448 $26 $134 $1,888 $157
S5 4.2 Quattro 2-Dr Coupe $390 $890 $448 $26 $134 $1,888 $157
S5 3.0 Quattro 2-Dr Convertible $426 $806 $448 $26 $134 $1,840 $153
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can influence coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $26 more each month or $312 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 10 months between claims, you would save more money going with the higher deductible.

The example below demonstrates how deductible levels and can affect Audi S5 insurance prices for different categories of driver ages. The data assumes a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Age-based auto insurance rates by gender in Oklahoma City

The chart below shows the difference between Audi S5 car insurance rates for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.

Difference between full coverage and liability only rates

The example below illustrates the comparison of Audi S5 insurance prices when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There isn’t a written rule of when to eliminate full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Audi S5 settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your deductible. If you are paying in excess of $400 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where removing full coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Auto insurance policy discounts for Audi S5 insurance in Oklahoma City

Companies that sell car insurance don’t necessarily list every discount available very clearly, so here is a list some of the more common and also the lesser-known discounts that you may qualify for.Discount auto insurance

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any amount of discount should definitely cut your policy cost.

The information below illustrates the comparison of Audi S5 car insurance costs with and without some available policy discounts. The information is based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

A partial list of companies that may include most of the discounts above include:

If you want inexpensive Oklahoma City auto insurance quotes, ask each company to give you their best rates. Some credits may not be offered in your state. To locate insurers with discount auto insurance rates in Oklahoma City, click here.

Insuring your S5 just makes sense

Despite the potentially high cost of Audi S5 insurance, maintaining insurance may be required and benefits you in several ways.

The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in America overpays as much as $865 each year so it’s important to compare rates at every renewal to ensure rates are inline.

Compare rates but buy from a local neighborhood Oklahoma City car insurance agent

Some people still prefer to sit down with an agent and that can be a great decision Professional agents are trained risk managers and help in the event of a claim. One of the great benefits of comparing auto insurance online is the fact that you can find cheaper prices and also buy local.

Oklahoma City insurance agentsUpon completion of this form (opens in new window), your insurance coverage information is immediately sent to companies in Oklahoma City who can give free rate quotes for your insurance coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go to the email address you provide. If for some reason you want to compare prices for a specific company, feel free to go to their quote page and complete a quote there.

Finding the right provider requires you to look at more than just a cheap price. The following questions are important to ask.

Types of auto insurance agents

If you are wanting to purchase auto insurance from a local insurance agency, it helps to know the two different types of agents from which to choose. Agents can either be exclusive or independent agents depending on their company appointments. Either one can handle auto insurance, but it’s a good idea to understand the subtle differences since it may influence which type of agent you select.

Exclusive Agents

Exclusive insurance agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are very knowledgeable on their company’s products which helps them sell on service rather than price.

Shown below are Oklahoma City exclusive agents that are able to give rate quotes.

2519 NW 23rd St #140Oklahoma City, OK 73107(405) 301-8162View Map

Charles Reagan – State Farm Insurance Agent
5001 N Pennsylvania Ave #305Oklahoma City, OK 73112(405) 840-3731View Map

3200 S Western AveOklahoma City, OK 73109(405) 635-1212View Map

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Independent Auto Insurance Agencies

Agents of this type do not write with just one company so they have the ability to put coverage with multiple insurance companies and find the cheapest auto insurance rates. If you are not satisfied with one company, your policy is moved internally which is easy for the insured.

If you are comparing auto insurance prices, it’s recommended you get quotes from multiple independent agents for maximum quote selection.

Below is a short list of independent agents in Oklahoma City that can give you price quote information.

9005 S May AveOklahoma City, OK 73159(405) 631-9009View Map

5831 NW 23rd StOklahoma City, OK 73127(405) 702-9009View Map

9026 SE 29th StOklahoma City, OK 73150(405) 600-6400View Map

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