Save on 2002 Audi S4 Car Insurance Rates

No normal person gets a kick out of paying for car insurance, especially knowing the cost is too high.

Because you have many options when it comes to car insurance, it’s nearly impossible to find a lower cost car insurance company.

Smart consumers take time to do rate comparisons once or twice a year because car insurance prices change frequently. Even if you think you had the lowest rates on S4 coverage two years ago there may be better deals available now. Forget all the misinformation about car insurance because it’s time to teach you the tricks you need to know to save on car insurance.

The purpose of this post is to help you learn the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Although consumers need to have an understanding of how the larger insurance companies price insurance differently and use this information to your advantage.

First Step: Get free car insurance quotes

There are multiple methods to compare car insurance quotes, and some are more efficient than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use the web for quick rates.

Many of the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company can give them a price determined by their information. This saves time by eliminating repetitive form submissions to every company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which providers to receive prices from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write car insurance in your area. Click here to view list.

The method you choose is up to you, but make sure you use identical coverage information on every price quote you get. If you compare higher or lower deductibles it will be very difficult to find the best deal for your Audi S4. Just a small difference in coverages may cause a big price difference. Just keep in mind that making a lot of price comparisons provides better odds of finding a better price. Not every company does quotes online, so you should also compare prices from the smaller companies as well.

Discounts to earn cheaper insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Most are applied at quote time, but some must be specifically requested before you will receive the discount.

• Responsible Driver Discounts – Insureds without accidents can save as much as half off their rates on S4 coverage than their less cautious counterparts.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
• Multi-policy Discount – If you have multiple policies with one insurance company they may give you a discount of as much as 10 to 15 percent.
• New Vehicle Savings – Adding a new car to your policy is cheaper since new model year vehicles have better safety ratings.
• Onboard Data Collection – Drivers that enable data collection to scrutinize driving manner by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Early Signing – A few larger companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
• Professional Memberships – Being a member of qualifying employment or professional organizations could earn you a nice discount on your next insurance statement.
• Braking Control Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think you could get a free insurance policy, you’re out of luck. Any amount of discount will help reduce your overall premium however.

A list of insurance companies and some of the premium reductions they offer can be found below.

• Mercury Insurance policyholders can earn discounts including age of vehicle, type of vehicle, low natural disaster claims, annual mileage, anti-theft, and location of vehicle.
• Farmers Insurance offers premium reductions for multi-car, alternative fuel, early shopping, pay in full, bundle discounts, and youthful driver.
• Farm Bureau may offer discounts for good student, multi-vehicle, 55 and retired, renewal discount, safe driver, driver training, and multi-policy.
• State Farm offers discounts for anti-theft, defensive driving training, good student, passive restraint, multiple autos, good driver, and student away at school.
• Allstate includes discounts for EZ pay plan discount, utility vehicle, auto/life discount, new car, defensive driver, and 55 and retired.
• Geico offers discounts including driver training, seat belt use, anti-lock brakes, membership and employees, air bags, emergency military deployment, and multi-policy.

It’s a good idea to ask every prospective company which discounts can lower your rates. Some discounts listed above may not apply to policies everywhere.

Tailor your insurance coverage to you

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out if your situation will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does insurance cover damages from a DUI accident?
• Does coverage extend to my business vehicle?
• Does my 2002 Audi S4 need full coverage?
• Do I need rental car coverage?

If you’re not sure about those questions, 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 or click here for a list of insurance companies in your area.

Coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Audi S4.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage

This provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like bail bonds, medical expenses, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as surgery, doctor visits, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This coverage pays for damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.