Cheaper 2009 Audi S4 Insurance Quotes

Scraping up a payment for high-priced Audi S4 insurance can bottom out your funds and maybe even restrict other spending. Performing a price comparison can lower your rates and help to make sure you’re not throwing money away.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with catchy ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a good habit to quote other rates yearly because rates are constantly changing. Just because you had the lowest premium rates for S4 insurance six months ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to find better coverage at a better price.

If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you is quite easy. Although drivers must learn the way insurance companies price online insurance.

How to get car insurance rate quotes

When comparison shopping, there are several ways of comparing rates from lots of car insurance companies. The recommended way to find affordable Audi S4 insurance rates is to get quotes online. It is quite easy and can be accomplished by using one of the methods below.

Probably the best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotes for each company you want a rate for. Filling out one form compares rates from multiple low-cost companies.

A more time consuming way to find better pricing requires visiting the website for every company you want to comare to request a price quote. For examples sake, we’ll pretend you want to compare Liberty Mutual, Esurance and Farmers. To do that, you would have to take the time to go to each site to enter your coverage information, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

The final way to get rate quotes is to waste gas driving to each insurance agency near you. Buying insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent.

Which method you use is up to you, but make darn sure you compare nearly identical coverages and limits for every company. If you enter differing limits it will be nearly impossible to find the best deal for your Audi S4. Even a minor difference in insurance coverages or limits could throw off the whole comparison. And when quoting car insurance, remember that comparing a large number of companies increases the change that you will find a better price. Some smaller insurers to not give prices over the internet, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Brand name doesn’t guarantee savings

Companies like State Farm and Allstate consistently run ads on TV and radio. They all seem to advertise claims that you can save if you get a free insurance quote and switch your coverage. It sounds good, but how can they all offer you a better deal? This is the way they can do it.

Companies require specific criteria for the type of driver that earns them a profit. For example, a profitable insured may be a female over age 40, has a clear driving record, and chooses high deductibles. A customer that meets those criteria receive the lowest rate quotes and as a result will probably pay quite a bit less when switching companies.

People who are not a match for this stringent profile will probably be forced to pay higher rates and this results in the customer not purchasing. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully state the savings. This really illustrates why drivers must compare price quotes frequently. It’s just not possible to know which insurance companies will have better prices than you’re paying now.

Do you qualify for discounts?

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but some must be manually applied before you get the savings.

• Own a Home and Save – Just owning your own home can help you save on auto insurance because maintaining a house requires personal responsibility.
• Lower Rates for Military – Being deployed with a military unit may lower your auto insurance rates slightly.
• Auto/Life Discount – Not all companies offer life insurance, but some may give you a break if you buy life insurance from them.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in school.
• Buy New and Save – Putting insurance coverage on a new car may earn a small discount because newer models are generally safer.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Larger auto insurance companies and their offered discounts include:

• Mercury Insurance includes discounts for accident-free, low natural disaster claims, multi-car, professional/association, multi-policy, and good driver.
• Farmers Insurance has savings for switch companies, bundle discounts, multi-car, teen driver, electronic funds transfer, and distant student.
• Farm Bureau may offer discounts for 55 and retired, multi-policy, multi-vehicle, safe driver, and renewal discount.
• State Farm may have discounts that include passive restraint, accident-free, student away at school, multiple policy, and defensive driving training.
• Allstate offers premium reductions for anti-lock brakes, good payer, new car, farm vehicle, defensive driver, early signing, and premier discount.
• Geico has discounts for defensive driver, multi-policy, good student, daytime running lights, federal employee, and seat belt use.

When quoting, ask all companies you are considering the best way to save money. Savings may not apply to policyholders in your area. For a list of insurers that offer some of these discounts, click here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing coverage, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

• What is UM/UIM insurance?
• Is my Audi S4 covered if I use it for business?
• Do I have coverage for damage caused while driving under the influence?
• At what point should I drop full coverage?
• Am I covered if I break a side mirror?
• When should I drop full coverage on my 2009 Audi S4?
• Can I rent a car in Mexico?
• Why do I need rental car insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, rehabilitation expenses, surgery and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like structural damage, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, rolling your car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Audi S4.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto insurance

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

Comprehensive coverage pays for claims like rock chips in glass, hail damage and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Saving money makes a lot of cents

As you quote insurance, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

Some insurance companies don’t offer internet price quotes and these small insurance companies provide coverage only through independent agencies. Low-cost 2009 Audi S4 insurance can be sourced on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

We just covered a lot of ways to reduce 2009 Audi S4 insurance car insurance rates online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies. Smaller companies can often provide lower premium rates in certain areas as compared to the big name companies such as Geico and State Farm.

Additional articles

• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)