Compare 1993 Audi S4 Insurance Rates

Searching for the cheapest car insurance rates for your Audi S4? Finding low cost prices for Driverscar insurance is always quite difficult for drivers who have little experience comparing rates online. With a ridiculous number of companies competing online, it can turn into more work than you anticipated to find better rates.

It’s smart to take a look at other company’s rates occasionally because car insurance rates change regularly. If you had the lowest rate on S4 coverage a couple years back a different company probably has better prices today. Forget all the misinformation about car insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.

Cheap auto insurance rates with discounts

Not many people think insurance is cheap, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but some must be specifically requested before you get the savings.

• Organization Discounts – Joining a civic or occupational organization could qualify you for a break on your next renewal.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction on S4 coverage with certain companies.
• Discount for Swiching Early – A few companies give discounts for signing up before your current coverage expires. Ten percent is about the average savings.
• New Vehicle Savings – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer models.
• Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will bring down your auto insurance premiums.

For a list of companies that offer many of these discounts, click here.

Compare free car insurance quotes

Most of the larger companies provide prices directly from their websites. Getting online quotes is fairly straightforward as you just type in your coverage information into the form. When the form is submitted, their system will obtain your credit score and driving record and quotes a price based on the data you entered.

Online price estimates makes comparing rates easy, but having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible if you are searching for the lowest car insurance rates.

A better way to compare rates uses one simple form that analyzes rates from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more efficient. As soon as you send your information, it gets priced and you can choose any one of the quote results.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

In order to find out what other companies charge, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the insurance coverages as close as possible to your current policy. Doing this assures you will get rate comparison quotes for exact coverage.

Why your insurance costs might be higher

Lots of things are used when premium rates are determined. Some are obvious like an MVR report, although some other factors are less obvious like your vehicle usage or your financial responsibility.A large part of saving on car insurance is knowing the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in lower premium levels.

The list below includes some of the things used by your company to calculate rates.

• Discounts for multiple policies – Most major car insurance companies apply a discount to people that purchase more than one policy in the form of a multi-policy discount. This can amount to as much as ten percent or more Even with this discount applied, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
• Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean men are worse drivers. Women and men cause auto accidents in similar percentages, but males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.
• Getting married reduces risk – Your spouse may cut your premiums on your car insurance policy. Marriage translates into being more mature and statistics prove being married results in fewer claims.
• Rural areas have lower premiums – Being located in less populated areas can save you money when it comes to car insurance. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate. City drivers tend to have more traffic problems and longer commutes to work. More time on the road means a statistically higher chance of an accident.
• Avoid tickets and save – Whether or not you get tickets influences premium rates substantially. Having just one speeding ticket or other violation can increase the cost of insurance substantially. Careful drivers have lower premiums than their less careful counterparts. Drivers who have received careless violations such as DUI, reckless driving or excessive speeding may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
• Infrequent drivers can save – The more you drive each year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that have low annual miles get more affordable rates than those used for commuting. Double check that your car insurance coverage reflects the correct usage for each vehicle. An improperly rated S4 is just wasting money.
• Small coverages can add up – There are a lot of add-on coverages that you can buy if you aren’t careful. Add-on coverages like rental car reimbursement, accident forgiveness, and additional equipment coverage are examples of these. These may sound like a good investment at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Liability coverage is peace of mind – The liability section of your policy is the protection when you are responsible for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

• Do I need an umbrella policy?
• Does insurance cover tools stolen from my truck?
• How can I get high-risk coverage after a DUI?
• How does medical payments coverage work?
• What can I do if my company won’t pay a claim?
• Should I carry comprehensive and collision coverage?
• What discounts do I qualify for?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Do drivers who switch really save $392 a year?

Car insurance providers like State Farm, Geico and Progressive consistently run television, radio, and online ads. All the ads seem to make the promise of big savings just by switching your coverage to them. How is it plausible that every one can give you a lower rate? Here is how they do it.

All the different companies have a preferred profile for the type of customer that earns them the most money. For instance, a profitable risk profile might have to be a married male, has other policies, and has great credit. A driver that hits that “sweet spot” gets the lowest auto insurance rates and therefore will save when switching.

Insureds who do not fit those standards will be charged higher premiums which translates to the customer buying from someone else. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those claims.

Because every company is different, drivers should compare as many free insurance coverage quotes as you can. It is impossible to predict which insurance companies will have the best premium rates for your profile.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, court costs, legal defense fees, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Audi S4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, hospital visits, chiropractic care, nursing services and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Coverage for collisions

This will pay to fix damage to your S4 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle, vandalism, damage from flooding and fire damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Summing up your insurance search

As you quote insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

We just showed you a lot of information how to compare 1993 Audi S4 insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your premium rates. Consumers may even find the most savings is with some of the lesser-known companies.

More affordable insurance is possible both online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance companies may not have the ability to get a quote online and many times these regional insurance providers prefer to sell through independent agencies.

More articles

• Safe Vehicles for Teens (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Tools for Teen Driving Safety (State Farm)