View 2004 Audi S4 Car Insurance Rates

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.

Shop insurance online

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.

Take advantage of every car insurance discount

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.

• Buy New and Save – Buying a new car instead of a used car is cheaper compared to insuring an older model.
• Student Discounts – Performing well in school may save as much as 25% on a auto insurance quote. Most companies allow this discount up to age 25.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
• Student in College – Kids who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
• Organization Discounts – Being a member of a qualifying organization could earn you a nice discount when shopping for car insurance.
• Low Mileage – Low mileage vehicles may allow you to get discounted rates on garaged vehicles.
• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease for S4 coverage with some car insurance companies.
• Homeowners Pay Less – Owning a house can earn you a little savings because it is proof of financial responsibility.
• Paperwork-free – Many insurance companies may give you up to $50 get auto insurance on their website.

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.

How to know if you need help

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.

• Am I covered when using my vehicle for business?
• Should I buy only the required minimum liability coverage?
• Should I carry comprehensive and collision coverage?
• Is my dog or cat covered if injured in an accident?
• Does coverage extend to Mexico or Canada?
• Am I covered when delivering products for my home-based business?

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.

Decisions you make can impact your insurance costs

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.

• Improve your credit history – Having a good credit score can be an important factor in determining what you pay for insurance coverage. People with very high credit ratings tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit rating is low, you may save money insuring your 2004 Audi S4 if you clean up your credit.
• Driving citations will cost you – How you drive has a big impact on rates. Having a single speeding ticket or other violation can increase rates forty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Drivers who have received serious tickets such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
• Location can modify price – Being located in a small town is a positive aspect when trying to find low car insurance rates. People in densly populated areas tend to have more road rage incidents and longer commutes to work. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims.
• Expect high rates for teens – Drivers with little experience are known to be more careless behind the wheel and because of this, their insurance coverage rates are much higher. Having to add a first-time driver onto a policy can be quite pricey. More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
• Insure car and home with the same company – Some companies afford better rates to clients that have more than one policy. It’s known as a multi-policy discount. The discount can be 10 percent or more. Even with this discount applied, it’s always a smart idea to compare other company rates to make sure you are getting the best deal.
• Save money by raising comp and collision deductibles – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered are running into the backend of another car, damage caused by hail, and burglary. The deductibles you choose define how much you are required to spend if the claim is covered. The more of the claim the insured has to pay upfront, the bigger discount you will receive for S4 coverage.
• Liability insurance is peace of mind – The liability section of your policy will provide protection if you are ruled to be at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Will you really save $416 on car insurance?

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.

Car insurance coverages for a 2004 Audi S4

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.

Coverage on a shoestring budget

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:

• Child Safety FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)