2006 Audi S4 Insurance Rates – 5 Ways to Save

Trying to find the cheapest auto insurance rates for your Audi S4? Are you burned out from being strong-armed to buy auto insurance? You’re in the same situation as the majority of other people.

Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

It’s a good idea to do rate comparisons at least once a year because prices are variable and change quite frequently. Just because you had the best quotes on S4 coverage six months ago other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the quickest ways to eliminate unnecessary coverages and save money.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Finding the best rates is not that difficult. Although vehicle owners do need to learn how insurance companies determine prices and take advantage of how the system works.

How to compare auto insurance price quotes

All major auto insurance companies like State Farm, Geico and Progressive allow you to get price estimates online. Doing online quotes is pretty easy because it’s just a matter of typing in your coverage preferences into the quote form. After you complete the form, their system collects credit information and your driving record and generates pricing information based on these factors. Online price quotes makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to find better prices.

The easy way to compare rates

The smarter way to lower your rates requires only one form that obtains quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes online quotes much easier to do. Immediately after you send the form, it is quoted and you can choose your choice of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here and submit the form. If you currently have coverage, we recommend you type in coverages and limits as shown on your current policy. This ensures you will get comparison quotes based on similar coverages.

Take advantage of every auto insurance discount

Some insurance providers don’t always list all their discounts in an easy-to-find place, so the below list has both well-publicized as well as some of the hidden credits that you can use to lower your rates. If you aren’t receiving every discount you deserve, you could be getting lower rates.

• No Charge for an Accident – This one is not really a discount per se, but certain companies allow you one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
• Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally until age 25.
• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks simply for signing online.
• Policy Bundle Discount – If you can combine your auto and home policy with the same company you will save as much as 10 to 15 percent.
• Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on S4 coverage depending on your auto insurance provider.

Don’t be surprised that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will help lower the cost of coverage.

To view auto insurance companies who offer discounts, click here to view.

How to know if you need help

When choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered if I drive in a foreign country?
• Do I pay less for low miles?
• Does coverage extend to my business vehicle?
• Do I have coverage when making deliveries for my home business?
• Does my policy pay for OEM or aftermarket parts?
• What is covered by UM/UIM coverage?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Will you really save $423 on auto insurance?

Well-known auto insurance companies like State Farm, Geico and Progressive consistently run television, radio, and online ads. All the companies have a common claim of big savings just by switching your coverage. That’s great but how can every company offer you a better deal? You have to listen carefully.

Auto insurance companies quote the lowest rates for the type of customer that will be a good risk. A good example of a profitable insured might be described as over the age of 50, has had continuous coverage, and has great credit. Any person who meets those qualifications will probably get the lowest car insurance rates and will save quite a bit of money when switching.

Potential customers who are not a match for these stringent criteria will see more expensive rates which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much. That is how companies can make claims like that.

Different companies use different criteria so you absolutely need to quote coverage with many companies. Because you cannot predict which insurance companies will have better prices than you’re paying now.

Auto insurance 101

Having a good grasp of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

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. Covered claims include injuries to you and your family and damage to your Audi S4.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – This protects you from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, bail bonds, repair costs for stationary objects, pain and suffering and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, theft, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Have the Midas touch

We just showed you a lot of techniques to compare 2006 Audi S4 insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a small mutual company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

Lower-priced 2006 Audi S4 insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not offer price quotes online and most of the time these regional carriers provide coverage only through local independent agents.

Helpful articles

• Insurance Losses by Make and Model (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)