Cheaper 2001 Audi S4 Insurance Rates

Searching for better insurance rates for your Audi S4? Overpriced Audi S4 insurance can dwindle your budget and make it hard to pay other bills. Getting a rate comparison is recommended to tighten up your finances.

Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every provider to find the cheapest price

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Choosing the best insurance company for you is not that difficult. Although drivers need to have an understanding of how big insurance companies price online insurance.

How to buy insurance online

When comparison shopping, there are several ways of comparing rate quotes from many different insurance companies. The quickest method to find the lowest 2001 Audi S4 rates is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for each company you want a rate for. A single form gets you coverage quotes from multiple low-cost companies.

A more time consuming way to get quotes online is going to each company website and request a quote. For examples sake, let’s say you want to get rates from USAA, Geico and Liberty Mutual. You would be required to navigate to each company’s site to enter your coverage information, which is why the first method is quicker.

For a list of companies in your area, click here.

The least recommended method to compare price estimates is making phone calls or going to each insurance agency near you. Comparing online rate quotes eliminates this option unless you have a complicated situation and need the personal advice of a licensed agent. If you prefer, some companies allow you to get the lowest quotes online and have a local agent actually service the policy.

The approach you take is up to you, just make absolute certain that you use the same deductibles and coverage limits for every company. If you are comparing differing limits it will be very difficult to make a fair comparison for your Audi S4. Even a minor difference in limits may result in a large different in cost. It’s important to know that comparing more rates from different companies helps locate lower pricing.

Drivers save money with these discounts

Auto insurance companies don’t always list all disounts very well, so the list below details both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy insurance online. If they aren’t giving you every credit available, you are not getting the best rate possible.

  • Bundled Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could save nearly 15% which can help you find cheap insurance.
  • Low Mileage Discounts – Driving less may allow you to get cheaper rates.
  • Telematics Data – Drivers that enable driving data collection to study vehicle usage by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
  • Senior Discount – Drivers that qualify as senior citizens may be able to get better insurance coverage rates on S4 coverage.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance coverage.
  • Military Rewards – Being deployed with a military unit could qualify you for better rates.

Consumers should know that many deductions do not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Even though it appears you could get a free insurance coverage policy, that’s just not realistic. But any discount will lower your overall premium however.

A few of the larger companies and the discounts they provide are detailed below.

  • State Farm has discounts for driver’s education, student away at school, passive restraint, good driver, accident-free, and multiple autos.
  • Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, online quote discount, good student, online signing, and multi-policy.
  • Progressive has savings for multi-vehicle, online quote discount, continuous coverage, homeowner, and online signing.
  • MetLife discounts include good student, claim-free, good driver, defensive driver, and multi-policy.
  • Farm Bureau offers discounts for renewal discount, youthful driver, safe driver, 55 and retired, good student, multi-vehicle, and driver training.
  • Geico offers discounts including driver training, anti-theft, seat belt use, multi-policy, and good student.
  • SAFECO may have discounts that include teen safety rewards, multi-car, bundle discounts, teen safe driver, and safe driver.

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Some discounts might not be offered in your state. To see a list of companies with discount insurance coverage rates, click this link.

Special considerations

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions may help you determine whether or not you might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • How many claims can I have before being cancelled?
  • Do I have coverage when using my vehicle for my home business?
  • What is the minimum liability in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S4.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hail damage and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. It 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. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like legal defense fees, medical services, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like EMT expenses, X-ray expenses, doctor visits and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This coverage pays for damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, crashing into a building, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comments About 2001 Audi S4 Insurance

  1. Leslee Butler

    Do I have to carry car insurance in South Carolina?

  2. Karole Chang

    Nice post. Proud to be from Reno, NV. Went online for free insurance quotes for a 2001 Audi S4. Ended up at about $90 savings annually. Went with State Farm. Was with The General. God forbid I actually have a claim. Only insure liability on my Audi.

  3. Meda Navarro

    I live on the east side of Miami, Florida. Compared rates from a lot of places. Saved roughly $30 a month. State Farm was the best choice for me. I get lower rates because of my clean driving record. I don’t insure for physical damage though.

  4. Raphael Delaney

    Anyone know if 21st Century does SR-22s?

  5. Jess Brown

    If you’re a decent driver and live in the vicinity of Columbus, Ohio, check out 21st Century. You might get cheaper rates. Was with Allstate. It’s too old for full coverage.

  6. Jen Morales

    Great info, thanks for posting. I’m in the suburbs of Columbia, SC. Quoted prices online for a 2001 Audi S4. Ended up at about $100 savings annually. Went with Progressive. Insured with Travelers before. I get a discount for insuring multiple vehicles. When should I drop full coverage?

  7. Antonio Simon

    Thanks for putting this site together. I live just to the south of Albuquerque, NM. Quoted quotes with State Farm, Auto-Owners, and Esurance for my Audi and I think I am saving around $30 each month. Only insure liability on my Audi.

  8. Brandon Lang

    I got quite a few price quotes for a 2001 Audi S4 in Portland, Oregon. Ended up at roughly $60 every six months with AIG Insurance. Left Nationwide to switch. Anyone else drop full coverage?

  9. Shaunta Jennings

    I got decent rates for a 2001 Audi S4 in Rio Rancho, NM. Ended up at darn near $100 every six months with American Family. I’m a pretty good driver though. I don’t have comp or collision coverage.

  10. Demetria Donovan

    Not sure what I should be paying. I’m just west of Aberdeen, SD. Checked online prices for a 2001 Audi S4. Ended up at about $80 savings annually. Went with 21st Century. Insured with Safeco before. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go. Not worth enough to pay for comprehensive and collision.

  11. Raymond Evans

    Live in the northern part of Providence, Rhode Island. I don’t recall every quote but I ended up saving about $30 each month. I used their online quote form to compare rates. I’m thinking about dropping full coverage though.

  12. Erlinda Murphy

    I live south of Milwaukee, WI. Quoted with 21st Century, Farmers, and Liberty Mutual for my Audi and am saving around $80 a year.

  13. Saul Romero

    Great info, thanks for posting. I live north of Charlotte, North Carolina. Got car insurance prices from Auto-Owners, Eastwood, and Safeco for my 2001 Audi S4 and saved just over $110 a year. I have a couple other vehicles on the policy. Still almost need a second mortgage. I don’t put full coverage on it.

  14. Brittney Witt

    $100 to anyone who understands their policy.

  15. Manie Powers

    I got a good deal I think. From east side of Aurora, CO. Got prices from GEICO, Amica, and Eastwood for my S4 and I’m now saving $19 a month. BTW speeding tickets are not good. I don’t put full coverage on it.