Trying to find better insurance rates for your Audi S4? Trying to come up with a payment for expensive insurance can consume your savings account, especially in this economy. Performing a price comparison can help to lower your monthly bill.
Consumers have many insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to locate the cheapest rates.
It is always a good idea to quote other rates before your next renewal because insurance rates are usually higher with each renewal. If you had the best premium rates for S4 coverage on your last policy you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to find out one of the quickest ways to find great coverage at a great price.
Choosing the best insurance company for you is not that difficult. If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to cut your premiums while maintaining coverages. Vehicle owners just need to understand the proper methods to compare price quotes over the internet.
Effectively comparing insurance prices can take time and effort if you don’t understand the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you could use online quotes to get prices fast.
Many insurance companies enroll in a system where prospective buyers submit one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing quotation requests for each company.
To participate in this free quote system, click here (opens in new window).
The only drawback to doing it this way is buyers cannot specifically choose which providers to receive prices from. So if you prefer to pick individual companies to request quotes from, we put together a list of low cost insurance companies in your area. Click here to view list.
Which method you use is up to you, but double check that you are using nearly identical quote information for each price quote. If your comparisons have different liability limits you will not be able to decipher which rate is best.
Some providers don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates.
Remember that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
To see insurance companies with discount car insurance rates, click here.
When it comes to buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Many things are part of the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious such as your credit history and annual miles driven.An important part of buying insurance is that you know some of the things that play a part in calculating insurance coverage rates. When consumers understand what impacts premium levels, this allows you to make educated decisions that can help you get lower insurance coverage prices.
Consumers can’t ignore all the ads that claim the lowest auto insurance rates from companies such as Progressive, Geico, Allstate and State Farm. They all convey the message about how much you will save if you switch to their company.
How does each company give you a better price?
Car insurance companies give the cheapest rates for the type of driver they prefer to insure. For example, this type of risk profile might be a married male, has had continuous coverage, and drives less than 7,500 miles a year. Anyone who matches those parameters will qualify for the lowest rates and will also save a lot if they switch.
Drivers who don’t measure up to this ideal profile will probably be forced to pay a higher premium which results in the customer buying from someone else. The ads say “people that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do. Because of this risk profiling, drivers should get price quotes at each policy renewal. It is impossible to predict which insurance companies will have the lowest rates.
Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, hail damage, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for chiropractic care, ambulance fees, surgery, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Liability coverages – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability can pay for things like bail bonds, attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
We’ve covered a lot of tips how to shop for 2004 Audi S4 insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive auto insurance. Consumers may even find the lowest premium rates come from a smaller regional carrier. They can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.
The cheapest 2004 Audi S4 insurance is available on the web and from local agencies, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide the ability to get quotes online and many times these small, regional companies provide coverage only through independent agents.
More detailed insurance information can be read by following these links:
I’m just north of North Charleston, SC. Compared quite a few companies. Saved darn near $20 a month. Allstate was the cheapest option for me. I only have liability coverage on it.
In Phoenix, Arizona, American Family had the best rates for my 2004 Audi S4. Left AIG Insurance to switch.
I’m in Montgomery, AL. Received quotes with State Farm, AIG Insurance, and Erie for my Audi and saved $73 a year. I get multi-vehicle and multi-policy discounts. I quoted rates online then called them.
Here’s what I found out. I live on the west side of Cedar Rapids, Iowa. Got car insurance prices from Sentry, Encompass, State Farm, and AIG Insurance for my Audi and I’m now saving $11 a month. Good multi-policy discounts. It’s still not cheap enough. I’m thinking about dropping full coverage though.
I found pretty cheap rate quotes for a 2004 Audi S4 in Rutland, Vermont. Ended up at roughly $110 every six months with Amica. Left Sentry to switch. They offer free online rate quotes. I think I’ll get rid of full coverage next time.
Anyone know of any company in Nashua, NH that will insure high risk drivers?
Quoted with Erie for my S4 and saved around $60 a year. Got better coverage too. Get lots of quotes to find the best rate. Only insure liability on my Audi.
I’m just west of Juneau, AK. Got free quotes online for a 2004 Audi S4. Ended up at about $70 savings annually. Went with Progressive. Insured with Western Auto Insurance before. I used their online quote form to compare rates. Next renewal I’ll just do liability.
$100 to anyone who understands their policy.
Thought I’d throw in my experience. I’m just south of Virginia Beach, Virginia. Don’t remember every company but I ended up saving about $20 each month. Left Nationwide to switch. I used their website to get prices. I don’t put full coverage on it.
Corporate greed I’m telling you. I’m in Salt Lake City, UT. Got car insurance quotes from AAA, Sentry, and Western Auto Insurance for my S4 and cut my rates about $80 a year. Insured with Safeco before. Teenage drivers are expensive! Not sure if rates are cheaper online or not. My Audi doesn’t have full coverage.
I’m in the east part of Columbus, OH. Got free quotes online for a 2004 Audi S4. Ended up at about $120 savings annually. Went with Progressive. Left Safeco to switch. I get multi-vehicle and multi-policy discounts. It’s still not cheap enough. Only insure liability on my Audi.
Lots of good stuff here. I’m from Nashua, NH. Quoted a bunch of companies. Saved darn near $20 a month. Progressive was the most affordable for me. Have an at-fault accident tho. My Audi doesn’t have full coverage.