It’s a fact that auto insurance companies want to keep you from shopping around. Consumers who get comparison quotes once a year are very likely to buy a new policy because they have good chances of finding a policy with better rates. A recent auto insurance study revealed that consumers who shopped around saved approximately $72 a month compared to those who didn’t regularly shop around.
If finding the cheapest price for Audi S5 insurance in Tampa is your target objective, then having some insight into how to choose a company and compare cheaper coverage can help make the process easier.
Really, the only way to get affordable Audi S5 insurance in Tampa is to start comparing rates regularly from providers in Florida.
- Step 1: Spend some time learning about how your policy works and the factors you can control to prevent rate increases. Many risk factors that result in higher rates like traffic citations, accidents, and a negative credit history can be improved by improving your driving habits or financial responsibility. This article provides additional ideas to help reduce prices and find available discounts that you may qualify for.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can give you price quotes from many different companies. Begin your rate comparison
- Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate, verify that coverage does not lapse between policies.
- Step 4: Provide written notification to your current company of your intent to cancel your current auto insurance policy. Submit the completed application along with a down payment for your new coverage. Don’t forget to keep the new proof of insurance paperwork somewhere easily accessible.
The most important part of shopping around is that you’ll want to make sure you compare identical deductibles and limits on every price quote and and to get price quotes from all possible companies. This ensures a fair rate comparison and maximum price selection.
Locating the most cost-effective insurance policy in Tampa is not that difficult as long as you know where to start. Just about anyone who is looking for a better price on insurance will most likely be able to reduce their rates. But Florida drivers do need to understand how insurance companies price online insurance.
To find more affordable prices, there are a couple of ways to obtain and compare prices from local Tampa car insurance companies. The easiest way to find the lowest Audi S5 rates is to get quotes online.
It’s so fast and easy to compare quotes online that it replaces the need to call or drive to all the different insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you require the peace of mind that you can only get from talking to an agent. Drivers can price shop your coverage online but have a local agent actually write the policy.
When quoting car insurance, remember that comparing all the rates in your area helps you find the best price. Some companies don’t provide rate quotes online, so you need to compare prices from them, too.
The providers in the list below are our best choices to provide free quotes in Tampa, FL. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
Insurance analysis for an Audi S5
The price information below highlights detailed analysis of insurance prices for Audi S5 models. Being aware of how prices are formulated is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $238 | $574 | $472 | $28 | $142 | $1,454 | $121 |
| S5 4.2 Quattro 2-Dr Coupe | $238 | $574 | $472 | $28 | $142 | $1,454 | $121 |
| S5 3.0 Quattro 2-Dr Convertible | $238 | $514 | $472 | $28 | $142 | $1,394 | $116 |
| S5 4.2 Quattro 2-Dr Coupe | $238 | $634 | $472 | $28 | $142 | $1,514 | $126 |
| S5 4.2 Quattro 2-Dr Coupe | $238 | $634 | $472 | $28 | $142 | $1,514 | $126 |
| S5 3.0 Quattro 2-Dr Convertible | $260 | $574 | $472 | $28 | $142 | $1,476 | $123 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.
Physical damage deductibles
A question often asked by Tampa drivers is how high should the physical damage deductibles be. The figures shown below help summarize the differences in premium rates of buying low and high physical damage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $498 | $1110 | $418 | $24 | $124 | $2,199 | $183 |
| S5 4.2 Quattro 2-Dr Coupe | $498 | $1110 | $418 | $24 | $124 | $2,199 | $183 |
| S5 3.0 Quattro 2-Dr Convertible | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| S5 4.2 Quattro 2-Dr Coupe | $498 | $1226 | $418 | $24 | $124 | $2,315 | $193 |
| S5 4.2 Quattro 2-Dr Coupe | $498 | $1226 | $418 | $24 | $124 | $2,315 | $193 |
| S5 3.0 Quattro 2-Dr Convertible | $544 | $1110 | $418 | $24 | $124 | $2,245 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $276 | $586 | $418 | $24 | $124 | $1,428 | $119 |
| S5 4.2 Quattro 2-Dr Coupe | $276 | $586 | $418 | $24 | $124 | $1,428 | $119 |
| S5 3.0 Quattro 2-Dr Convertible | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| S5 4.2 Quattro 2-Dr Coupe | $276 | $646 | $418 | $24 | $124 | $1,488 | $124 |
| S5 4.2 Quattro 2-Dr Coupe | $276 | $646 | $418 | $24 | $124 | $1,488 | $124 |
| S5 3.0 Quattro 2-Dr Convertible | $302 | $586 | $418 | $24 | $124 | $1,454 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in Tampa location which can lower or raise premium rates considerably.
Based on these figures, using a $100 deductible costs an average of $66 more each month or $792 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claims, you would probably save some money by selecting a higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $186 |
| Average monthly premium for $1,000 deductibles (subtract): | – $120 |
| Monthly savings from raising deductible: | $66 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $66 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important caveat is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a claim. That will require some funds available in the event you need to pay the deductible to have repairs made.
Bad driving habits will cost you more
The illustration below shows how violations and at-fault collisions can influence Audi S5 insurance premiums for each different age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Auto insurance quotes from local Tampa insurance agents
Many people would rather go talk to an agent and that is not a bad decision An additional benefit of price shopping on the web is you may find cheap rate quotes and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is immediately sent to participating agents in Tampa who can give free rate quotes for your business. There is no reason to leave your computer as quotes are delivered to you directly. Get lower rates without having to waste a lot of time. In the event you want to quote rates from one company in particular, you would need to find their quoting web page to submit a rate quote request.
Deciding on an provider is decision based upon more than just the quoted price. Agents should be asked these questions:
- Are they able to provide referrals?
- Do they specialize in personal lines auto insurance in Tampa?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they paid to recommend certain coverages?
- Is working in the agency their full-time job?
- Who is covered by the car insurance policy?
Two types of car insurance agents
If you prefer to buy auto insurance from a reliable agent, there are two different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents in Tampa can be categorized as either exclusive or independent.
Exclusive Insurance Agents
Agents in the exclusive channel are contracted to one company and examples are State Farm or Allstate. They are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on the products they sell which aids in selling service over price.
The following is a list of exclusive insurance agents in Tampa that are able to give comparison quotes.
Joyce Coleman – State Farm Insurance Agent
8221 Parkedge Dr – Tampa, FL 33637 – (813) 975-1866 – View Map
Patricia Potts – State Farm Insurance Agent
4644 W Gandy Blvd #5 – Tampa, FL 33611 – (813) 286-3077 – View Map
Jerry Perez – State Farm Insurance Agent
9724 N Armenia Ave #200 – Tampa, FL 33612 – (813) 931-3000 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent often have many company appointments so they can write business with many different companies and find the cheapest rate. If they find a cheaper price, your agent can switch companies which is easy for the insured.
When searching for an agent, you need to get some free quotes from a couple of independent agencies so that you can do a thorough price comparison.
Below are Tampa independent agencies willing to provide price quote information.
GreatFlorida Insurance – Ceci Wise
1719 W Fletcher Ave – Tampa, FL 33612 – (813) 849-0125 – View Map
Florida Commercial Insurance
4915 W Cypress St – Tampa, FL 33607 – (813) 262-2303 – View Map
Varney Agency | Tampa FL
5401 W Kennedy Blvd #230 – Tampa, FL 33609 – (813) 200-7261 – View Map