Are you searching for lower-priced Audi S5 insurance in Chicago? I really doubt anyone anticipates paying for auto insurance, especially when they could find better prices if they shop around.
Remarkably, a study showed that the vast majority of auto insurance customers have remained with the same auto insurance company for more than four years, and nearly 40% of drivers have never even compared quotes to find cheap rates. Many drivers in Illinois can cut their rates by 40% a year, but most undervalue the amount of money they would save if they switch to a new company. With so many insurance companies to choose from that have cheap insurance for an Audi S5 in Chicago, it can be impossible to pick the best auto insurance provider.
Buying the cheapest auto insurance in Chicago is actually very simple if you learn how to start. If you have insurance now or need new coverage, follow these tips to save money and still get good coverage. Comparison shoppers just need to learn the most time-saving way to buy auto insurance from many companies at once.
How to get cheap Audi S5 insurance in Chicago
Reducing your Audi S5 insurance rates can be relatively painless. All you need to do is spend a few minutes on the computer comparing free Chicago auto insurance quotes from online providers.
Comparing quotes online is fast and free, and it takes the place of having to drive around to insurance agents’ offices. The ability to get quotes online makes this process obsolete unless you have a need for the guidance only provided by licensed Chicago agents. If you prefer, some companies allow you to price shop online and have a local agent actually service the policy.
The companies in the list below are ready to provide price comparisons in Chicago, IL. If the list has multiple companies, it’s highly recommended you visit several of them to find the lowest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $216 | $484 | $246 | $14 | $74 | $1,034 | $86 |
| S5 4.2 Quattro 2-Dr Coupe | $222 | $540 | $316 | $18 | $94 | $1,190 | $99 |
| S5 3.0 Quattro 2-Dr Convertible | $268 | $642 | $294 | $18 | $88 | $1,310 | $109 |
| S5 4.2 Quattro 2-Dr Coupe | $196 | $508 | $294 | $18 | $88 | $1,104 | $92 |
| S5 4.2 Quattro 2-Dr Coupe | $268 | $790 | $294 | $18 | $88 | $1,458 | $122 |
| S5 3.0 Quattro 2-Dr Convertible | $226 | $432 | $268 | $16 | $80 | $1,022 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can affect auto insurance rates significantly.
Impact of violations and accidents on rates
The chart below demonstrates how citations and fender-benders influence Audi S5 insurance rates for different age groups of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Deductible comparison
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The data tables below highlight how much more rates are between low and high comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $280 | $582 | $262 | $16 | $78 | $1,243 | $104 |
| S5 4.2 Quattro 2-Dr Coupe | $280 | $582 | $262 | $16 | $78 | $1,243 | $104 |
| S5 3.0 Quattro 2-Dr Convertible | $280 | $522 | $262 | $16 | $78 | $1,183 | $99 |
| S5 4.2 Quattro 2-Dr Coupe | $280 | $642 | $262 | $16 | $78 | $1,303 | $109 |
| S5 4.2 Quattro 2-Dr Coupe | $280 | $642 | $262 | $16 | $78 | $1,303 | $109 |
| S5 3.0 Quattro 2-Dr Convertible | $306 | $582 | $262 | $16 | $78 | $1,269 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $228 | $470 | $262 | $16 | $78 | $1,054 | $88 |
| S5 4.2 Quattro 2-Dr Coupe | $228 | $470 | $262 | $16 | $78 | $1,054 | $88 |
| S5 3.0 Quattro 2-Dr Convertible | $228 | $420 | $262 | $16 | $78 | $1,004 | $84 |
| S5 4.2 Quattro 2-Dr Coupe | $228 | $518 | $262 | $16 | $78 | $1,102 | $92 |
| S5 4.2 Quattro 2-Dr Coupe | $228 | $518 | $262 | $16 | $78 | $1,102 | $92 |
| S5 3.0 Quattro 2-Dr Convertible | $248 | $470 | $262 | $16 | $78 | $1,074 | $90 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in zip code location which can lower or raise premium rates substantially.
We can derive from the above data that using a $250 deductible costs approximately $16 more each month or $192 a year than buying the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claims, you would most likely save money if you choose the higher deductible.
When to get professional advice
Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really is no one size fits all plan. You are unique so your insurance needs to address that.
For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- When does my teenage driver need to be added to my policy?
- Does my Audi S5 need full coverage?
- Am I covered when driving a rental car?
- Does coverage follow the driver or the vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- Who sells insurance for high-risk drivers?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Insurance agents near you
A lot of people would rather buy from a licensed agent and doing so can bring peace of mind Agents are very good at helping people manage risk and help you file claims. One of the benefits of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
To find an agent, once you fill out this short form, your information is emailed to local insurance agents who will give you quotes to get your business. There is no need to visit any agencies due to the fact that quote results will go instantly to you. If you wish to get a comparison quote from one company in particular, you can always navigate to their website and give them your coverage information.
Selecting an provider should depend on more than just a cheap price quote. Ask your prospective agent these questions:
- Is there a 24/7 contact number?
- What company holds the largest book of business for them?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do the coverages you’re quoting properly cover your vehicle?
- How will an accident affect your rates?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are claims handled at the agent’s location?
- Do you qualify for any additional discounts?
If you would like to find local Chicago agents, you should know the different types of agencies and how they operate. Car insurance policy providers are either independent agents or exclusive agents depending on their employer. Both can provide car insurance policies, but it is a good idea to know the difference in the companies they write for because it can factor into buying decisions.
Exclusive Insurance Agencies
Exclusive agents work for only one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to shop your coverage around so always compare other rates. Exclusive agents are usually quite knowledgeable on what they offer which helps them compete with independent agents.
The following is a list of exclusive agents in Chicago that can give you price quote information.
Gus Andrade – State Farm Insurance Agent
4355 W 26th St – Chicago, IL 60623 – (773) 521-0216 – View Map
Roni Siegel – State Farm Insurance Agent
860 N Clark St – Chicago, IL 60610 – (312) 751-0500 – View Map
Rhea Joyer – State Farm Insurance Agent
4911 N Lincoln Ave c – Chicago, IL 60625 – (773) 878-8883 – View Map
Independent Car Insurance Agents
Independent agencies are not limited to a single company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally which is easy for the insured. If you need lower rates, you definitely need to get insurance quotes from a few independent agents to have the best price comparison.
Listed below is a list of independent agents in Chicago that are able to give rate quotes.
Lakeview Insurance Agency, Ltd.
3438 N Southport Ave – Chicago, IL 60657 – (773) 871-8000 – View Map
Illinois Vehicle Auto Insurance (Xpert)
1858 W 18th St – Chicago, IL 60608 – (312) 226-1033 – View Map
Thomas Ward Insurance Group
707 W Willow St – Chicago, IL 60614 – (312) 254-1500 – View Map
After getting positive responses to any questions you have in addition to an acceptable price estimate, you may have just found a car insurance agent that can adequately provide car insurance. Keep in mind once you purchase a policy you can terminate coverage any time you want so don’t feel that you are obligated to your new company indefinitely.