Did you make the mistake of buying an overpriced insurance coverage policy? Say no more because there are many consumers feeling the pinch from expensive insurance coverage.
Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the best price available.
It is always a good idea to get comparison quotes before your policy renews because rates change regularly. Even if you think you had the lowest premium rates on S4 coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the right way to save money, get proper deductibles and limits, all at the lowest rate.
Comparing auto insurance rates can be a daunting task if you don’t utilize the most efficient way to do it. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get prices fast.
Many insurance companies belong to an insurance system where prospective buyers submit one quote, and each participating company returns a rated price. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.
To use this form to compare rates click here (opens in new window).
The one downside to doing it this way is you can’t choose which companies to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we have a listing of auto insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but do your best to use apples-to-apples coverages and limits for each comparison quote. If your comparisons have different limits and deductibles on each one it will be impossible to get a fair rate comparison. Slightly different insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing more company’s prices helps you find the best offered rates. Not every company provides online quotes, so you also need to get prices on coverage from those companies, too.
When buying adequate coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Audi S4.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
This will pay to fix damage to your S4 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a building, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like ambulance fees, chiropractic care, nursing services, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
This protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability can pay for claims like repair costs for stationary objects, funeral expenses, medical services, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.
This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as a broken windshield, vandalism and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.