Compare Audi S5 Insurance Quotes in Honolulu

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Discount Audi S5 insuranceIt's an obvious assumption that car insurance companies don't want policyholders to compare prices from other companies. Consumers who compare price quotes are very likely to buy a new policy because of the high probability of finding a lower-priced policy. A study discovered that consumers who compared prices once a year saved $850 each year compared to people who never shopped around for lower prices.

If saving money on car insurance is the reason you're here, then learning a little about the best way to shop and compare car insurance can save money and time.

It takes a few minutes, but the best way to find affordable quotes for car insurance rates is to regularly compare quotes from providers who provide car insurance in Honolulu.

First, get a basic knowledge of what coverages are included in your policy and the measures you can control to lower rates. Many policy risk factors that drive up the price like traffic tickets, fender benders, and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes. Continue reading for more ideas to get cheaper coverage and get discounts that may be available to you.

Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for many different companies.

Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available in Honolulu. If you find a better price and change companies, ensure coverage does not lapse between policies.

Fourth, provide proper notification to your current company to cancel the current policy and submit a down payment and signed policy application for your new coverage. As soon as you have the new policy, keep the new proof of insurance certificate with your vehicle's registration.

A crucial key to this process is to compare similar limits and deductibles on each quote request and and to look at every insurance company. Doing this helps ensure a level playing field and a good representation of prices.

Companies offering Audi S5 insurance in Hawaii

The companies shown below offer free rate quotes in Hawaii. If multiple companies are listed, we suggest you get prices from several of them to get the most competitive price.

Facts and figures for Audi S5 insurance

The premium information shown below covers different rate quotes for Audi S5 models. Being aware of how insurance policy rates are established can be of help when making decisions when choosing a new policy provider.

Audi S5 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $134 $308 $248 $14 $74 $778 $65
S5 4.2 Quattro 2-Dr Coupe $134 $308 $248 $14 $74 $778 $65
S5 3.0 Quattro 2-Dr Convertible $134 $276 $248 $14 $74 $746 $62
S5 4.2 Quattro 2-Dr Coupe $134 $340 $248 $14 $74 $810 $68
S5 4.2 Quattro 2-Dr Coupe $134 $340 $248 $14 $74 $810 $68
S5 3.0 Quattro 2-Dr Convertible $148 $308 $248 $14 $74 $792 $66
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific garaging location which can raise or lower insurance rates significantly.

Policy deductibles

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The rates below show the rate differences between high and low comp and collision deductibles. The first data set uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Audi S5 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $316 $704 $264 $16 $80 $1,405 $117
S5 4.2 Quattro 2-Dr Coupe $316 $704 $264 $16 $80 $1,405 $117
S5 3.0 Quattro 2-Dr Convertible $316 $632 $264 $16 $80 $1,333 $111
S5 4.2 Quattro 2-Dr Coupe $316 $778 $264 $16 $80 $1,479 $123
S5 4.2 Quattro 2-Dr Coupe $316 $778 $264 $16 $80 $1,479 $123
S5 3.0 Quattro 2-Dr Convertible $346 $704 $264 $16 $80 $1,435 $120
Get Your Own Custom Quote Go
Audi S5 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S5 4.2 Quattro 2-Dr Coupe $176 $372 $264 $16 $80 $908 $76
S5 4.2 Quattro 2-Dr Coupe $176 $372 $264 $16 $80 $908 $76
S5 3.0 Quattro 2-Dr Convertible $176 $332 $264 $16 $80 $868 $72
S5 4.2 Quattro 2-Dr Coupe $176 $410 $264 $16 $80 $946 $79
S5 4.2 Quattro 2-Dr Coupe $176 $410 $264 $16 $80 $946 $79
S5 3.0 Quattro 2-Dr Convertible $192 $372 $264 $16 $80 $924 $77
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific Honolulu garaging location which can modify coverage rates noticeably.

Based on this data, using a $100 deductible would cost the average driver about $42 more each month or $504 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 21 months between claims, you would save more money by going with a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $77
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that a higher deductible results in a higher out-of-pocket expense if you have a claim. That will require some non-essential savings in the event you have to pay the higher deductible in order to repair your vehicle.

Tickets and at-fault accidents raise rates

The chart below illustrates how violations and accident claims influence Audi S5 insurance premiums for different categories of driver ages. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Annual premiums for males compared to females

The chart below illustrates the difference between Audi S5 auto insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no other discounts are factored in.

Get discounts on Honolulu insurance

Some insurance providers don't always advertise every available discount in a way that's easy to find, so here is a list some of the more common and also the more inconspicuous savings tricks you should be using when you buy Honolulu auto insurance online. If you're not getting every credit available, you are throwing money away.Insurance discounts

  • Senior Citizen Discount - Drivers over the age of 55 may qualify for better insurance rates.
  • Life Insurance - Larger insurance companies have a lower rate if you buy a life policy as well.
  • Waiver for an Accident - This one is not really a discount per se, but certain companies permit an accident without the usual rate increase so long as you are claim-free for a certain period of time.
  • Good Students Pay Less - Being a good student may save as much as 25% on a Honolulu auto insurance quote. The good student discount can last well after school through age 25.
  • Driver's Education for Students - Cut your cost by having your teen driver enroll in driver's education in school or through a local driver safety program.
  • Organization Discounts - Joining a qualifying organization can get you a small discount on insurance.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky. But all discounts will definitely lower the cost of your policy.

The illustration below compares Audi S5 insurance prices with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.

Large insurance companies and some of the discounts can be found below.

  • State Farm offers discounts including good student, Drive Safe & Save, multiple autos, student away at school, multiple policy, and defensive driving training.
  • Progressive offers discounts for continuous coverage, good student, homeowner, multi-vehicle, and online signing.
  • Progressive may offer discounts for multi-vehicle, online quote discount, online signing, continuous coverage, good student, multi-policy, and homeowner.
  • MetLife may include discounts for good student, accident-free, multi-policy, defensive driver, claim-free, and good driver.
  • Farm Bureau may have discounts that include driver training, 55 and retired, multi-vehicle, good student, and renewal discount.
  • GEICO has savings for anti-theft, federal employee, defensive driver, daytime running lights, and air bags.
  • SAFECO offers premium reductions for multi-car, safe driver, accident prevention training, teen safety rewards, and teen safe driver.

Double check with each company how you can save money. Depending on the company, some discounts may not be available in Honolulu. To see companies who offer online Audi S5 insurance quotes in Honolulu, click this link.

What if I want to buy from local Honolulu insurance agents?

Many people just prefer to go talk to an agent and that can be a smart move One of the best bonuses of price shopping on the web is that you can obtain cheap rate quotes and still have a local agent.

Honolulu insurance agentsBy using this simple form, the coverage information is sent to companies in Honolulu who will give competitive quotes for your coverage. It's much easier because you don't need to do any legwork because quoted prices will be sent instantly to you. You can get cheaper insurance rates without having to waste a lot of time. In the event you want to get a price quote from a particular provider, don't hesitate to jump over to their website and fill out the quote form the provide.

Finding a good insurer should depend on more than just the price. The following questions are important to ask.

  • Do you work with a CSR or direct with the agent?
  • Can you contact them at any time?
  • How many companies do they write for?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they see any coverage gaps in your plan?

If you're trying to find a reliable insurance agency, it's helpful to know the types of insurance agents and how they work. Agents in Honolulu are classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Agents that choose to be exclusive generally can only insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their company's products which helps them sell insurance even at higher premiums. Many people buy from exclusive agents primarily because of loyalty to the company instead of buying on price only.

Listed below is a list of exclusive insurance agents in Honolulu willing to provide rate quotes.

More insurance agents

Independent Agencies or Brokers

Independent agencies are appointed with more than one company and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. If your premiums go up, your agent can switch companies and you don't have to switch agencies.

If you are comparing insurance prices, we recommend you contact independent agents for maximum quote selection. Most independent agents also contract with small mutual carriers which can save you money.

Below is a list of independent agents in Honolulu that are able to give rate quotes.

More insurance agents

Specific coverages for an Audi S5

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage - This coverage pays for damage to your S5 resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, colliding with a tree, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your S5 to save money on collision insurance.

Auto liability insurance - This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people's claims. Liability doesn't cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 20/40/10 which stand for $20,000 in coverage for each person's injuries, a limit of $40,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability insurance covers claims like loss of income, funeral expenses, attorney fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as much as you can afford. Hawaii state minimum liability requirements are 20/40/10 but it's recommended drivers buy better liability coverage.

The next chart shows why the minimum limit may not be adequate.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, doctor visits, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird and damage from getting keyed. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers - Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers only carry the minimum required liability limits (20/40/10 in Hawaii), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Quote more to save more

As you restructure your insurance plan, do not buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn't purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

People change insurance companies for many reasons like poor customer service, denial of a claim, extreme rates for teen drivers and an unsatisfactory settlement offer. It doesn't matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

Cheap Audi S5 insurance in Honolulu can be found from both online companies as well as from independent agents in Honolulu, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not offer the ability to get quotes online and these regional insurance providers only sell coverage through independent agencies.

Additional detailed information is available by following these links: