Compare 1994 Audi S4 Insurance Quotes

Shoppers have lots of choices when shopping for the best price on Audi S4 insurance. You can either spend your time driving around trying to get quotes or save time using the internet to make rate comparisons. There is a better way to buy auto insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Audi and locate the lowest possible price from local insurance agents and online providers.

You should make it a habit to get comparison quotes occasionally because prices change frequently. Even if you think you had the lowest quotes for S4 coverage a few years ago a different company probably has better rates today. Block out anything you think you know about auto insurance because it’s time to teach you the tricks you need to know to properly buy coverages and cut your premium.

Insurance policy discounts

Companies don’t always list all disounts very well, so the next list breaks down a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

• Responsible Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for S4 coverage compared to rates paid by drivers with frequent claims.
• Life Insurance – Select insurance carriers reward you with better premium rates if you take out auto and life insurance together.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
• New Car Discount – Buying a new car model is cheaper since new model year vehicles have better safety ratings.
• Defensive Driver Discounts – Taking a course that instructs on driving safety could cut 5% off your bill if you qualify.
• No Claims – Insureds with no claims or accidents pay much less in comparison with drivers who are more careless.

Policy discounts save money, but most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

Large insurance companies and a partial list of their discounts are included below.

• Mercury Insurance offers discounts for good driver, accident-free, age of vehicle, good student, type of vehicle, ease of repair, and multi-car.
• Farmers Insurance has savings for homeowner, youthful driver, alternative fuel, bundle discounts, and mature driver.
• Farm Bureau discounts include multi-vehicle, multi-policy, safe driver, renewal discount, and good student.
• State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, driver’s education, defensive driving training, accident-free, and Drive Safe & Save.
• Allstate may include discounts for good payer, teenSMART discount, economy car, FullPay discount, premier discount, defensive driver, and early signing.
• Geico offers discounts including anti-theft, good student, defensive driver, driver training, federal employee, and military active duty.

If you are trying to find affordable insurance quotes, ask each company to give you their best rates. Some discounts may not apply to policies in your area. If you would like to choose from a list of providers with the best discounts, click here.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

• When should I buy a commercial auto policy?
• What is UM/UIM insurance?
• Can I make deliveries for my home business?
• What are the best liability limits?
• How can I force my company to pay a claim?
• When should I drop full coverage on my 1994 Audi S4?
• Does my policy cover me when driving someone else’s vehicle?
• How much can I save by bundling my policies?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance in the media

Consumers can’t get away from all the ads for auto insurance savings by companies like 21st Century, Allstate and State Farm. All the ads have a common claim of big savings if you change your policy.

Is it even possible that every company can offer you a better deal? It’s all in the numbers.

All the different companies quote their cheapest rates for the type of driver that earns them the most money. An example of this type of driver should be a female over age 40, owns their home, and drives a lower-performance vehicle. Anyone that meets those criteria will get the preferred rates as well as save when they switch companies.

Potential customers who may not quite match these criteria will be charged higher premiums which usually ends up with the customer not buying. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much. That’s why insurance companies can make those statements. That is why drivers must do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest rate quotes.

Car insurance coverage considerations

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage will pay to fix damage to your S4 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, nursing services and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, structural damage, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Audi S4.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Feed the piggy bank

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability coverage limits only to discover later that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Consumers leave their current company for any number of reasons including poor customer service, an unsatisfactory settlement offer, policy non-renewal or questionable increases in premium. Regardless of your reason, finding a great new company can be pretty painless.

We just presented many ideas to save on 1994 Audi S4 insurance. The key concept to understand is the more you quote insurance, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company.

More tips and info about insurance can be read at these sites:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)