2000 Audi S4 Insurance Quotes – 10 Tips to Save

Are you at wits end from being strong-armed to insure your Audi every month? You have the same problem as many other vehicle owners.

Because there are so many companies and agents to choose from, it can be hard to find the most affordable insurance coverage company.

This article will familiarize you with the best way to quote coverages. If you currently have a car insurance policy, you should be able to save some money using this information. But vehicle owners must learn the way companies determine prices and apply this information to your search.

Insurance policy discounts you can’t miss

Insurance is expensive, but companies offer discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of quoting, but some must be specially asked for prior to getting the savings.

• Homeowners Discount – Owning a home can get you a discount because owning a home means you have a higher level of financial diligence.
• Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may save up to 20% and get you the cheapest insurance coverage.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save a little off the PIP or medical payment premium.
• Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Memberships – Joining certain professional organizations is a simple method to lower premiums on your next renewal.
• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
• Discount for Life Insurance – Some insurance carriers give a discounted rate on car insurance if you buy auto and life insurance together.
• Telematics Devices – Insureds that choose to allow their company to scrutinize driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if their driving habits are good.
• Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Low Mileage Discounts – Fewer annual miles on your Audi could qualify for substantially lower insurancerates.

Don’t be surprised that some credits don’t apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

A few popular companies and a partial list of their discounts are shown below.

• State Farm includes discounts for safe vehicle, passive restraint, defensive driving training, driver’s education, Drive Safe & Save, and good student.
• Geico offers discounts including air bags, anti-theft, defensive driver, federal employee, anti-lock brakes, good student, and multi-policy.
• Progressive offers premium reductions for online quote discount, multi-vehicle, online signing, continuous coverage, good student, and multi-policy.
• 21st Century discounts include theft prevention, air bags, homeowners, defensive driver, and automatic seat belts.
• American Family may have discounts that include TimeAway discount, mySafetyValet, accident-free, Steer into Savings, air bags, good student, and multi-vehicle.
• The Hartford offers discounts for vehicle fuel type, good student, anti-theft, driver training, air bag, defensive driver, and bundle.
• AAA may offer discounts for multi-policy, anti-theft, good driver, good student, education and occupation, and multi-car.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your state. To choose insurance companies with discount insurance rates, follow this link.

How to compare free car insurance price quotes

Most of the larger companies such as Allstate, Geico and Progressive allow you to get coverage price quotes from their websites. Obtaining pricing can be done by anyone as you just type in on the page. Once you submit the form, their quoting system orders credit information and your driving record and generates a price. Online price estimates makes it easy to compare insurance prices but the process of having to visit different websites and type in your information gets old quite quickly. But it is imperative to do this in order to get the lowest car insurance rates.

An easier way to find lower prices uses just one form that gets price quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much simpler. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

To quickly find out what other companies charge, click here and begin entering your coverage information. If you currently have coverage, we recommend you input the coverage information just like they are on your policy. Using the same limits helps guarantee you will receive comparison quotes based on similar coverages.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine if you may require specific advice.

• Why am I required to buy liability insurance?
• Is my teenager covered with friends in the car?
• Does my medical payments coverage pay my health insurance deductible?
• What is high-risk coverage and where do I buy it?
• Do I need roadside assistance coverage?
• At what point should I drop full coverage?
• Should I sign the liability waiver when renting a car?
• Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance ads bend the truth

Car insurance providers like Allstate, Geico and Progressive continually stream ads on TV and radio. All the ads advertise claims that drivers can save some big amount if you switch your car insurance policy to them. How does every company lower your auto insurance rates? It’s all in how they say it.

Insurance companies offer their best rates for the type of insured that will generate a profit. For example, a profitable insured could possibly be a female over age 40, carries high limits, and drives a safe vehicle. Anybody that hits that “sweet spot” will get very good premium rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to these stringent criteria may receive higher premium rates and business not being written. The ad wording is “people who switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can make those claims.

This emphasizes why you should get insurance coverage quotes from several different companies. It is impossible to predict the company that will be your best fit.

Auto insurance coverage information

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Coverage for collisions

Collision coverage pays for damage to your S4 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, a broken windshield, hitting a deer, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, hospital visits, rehabilitation expenses, pain medications and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2000 Audi S4.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, attorney fees, repair bills for other people’s vehicles, structural damage and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

A little work can save a LOT of money

Some insurance companies may not offer online price quotes and usually these smaller providers sell through independent agents. Cheap 2000 Audi S4 insurance can be purchased online and from local insurance agents, so you should compare both so you have a total pricing picture.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage only to regret at claim time they didn’t have enough coverage. The goal is to find the BEST coverage at the best price, but do not skimp to save money.

More information is available at the links below

• Rollover Crash FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)
• Safe Vehicles for Teens (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)