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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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:
Just a quick comment on my experience. Proud to be from Tampa, FL. I got free quotes with 21st Century, Auto-Owners, and Erie for my Audi and saved about $80 a year. Good savings if you bundle.
Will Progressive raise rates for a rock chip claim?
IMHO Huntington, West Virginia seems to have good rates from 21st Century.
Good detail in your article. I live in a small town just outside of Knoxville, Tennessee. Can’t remember who all I quoted but I ended up saving about $20 each month. Hopefully won’t need it. Anyone else drop full coverage?
What is comprehensive coverage?
Compared rates with State Farm and Auto-Owners but still pricey.
Cheap is relative. I live in a small town just outside of Evansville, Indiana. Got rates from Allstate, Auto-Owners, Farmers, and Hartford for my S4 and saved around $70 a year. Left 21st Century to switch. You can get a rate quote online. Not worth enough to pay for comprehensive and collision.
I live on the west side of Fort Wayne, IN. Don’t remember every company but I ended up saving about $20 each month. Good multi-policy discounts.
Mine is so expensive. I live just to the east of Fargo, ND. Got free quotes online for a 1994 Audi S4. Ended up at about $90 savings annually. Went with Progressive.
I got a good deal I think. From a town just southwest of Fargo, ND. Compared rates from a lot of places. Saved about $30 a month. State Farm was the most affordable for me. Was with Eastwood. Thankfully I have a good driving record. :P
Mine is so expensive. I live south of Albuquerque, NM. Quoted with Allstate, Esurance, and Hanover for my S4 and I’m now saving $20 a month. I’m a pretty good driver though. Still almost need a second mortgage. I’m thinking about dropping full coverage though.