How Much Does 2013 Audi S4 Car Insurance Cost?

Trying to find lower insurance rates for your Audi S4? Are you overwhelmed by the wide range of insurance providers available to you? You have such a large number of options that it can easily become a lot of work to find the lowest price.

If you are paying for car insurance now, you should be able to save some money using these methods. Pricing cheaper protection is not that difficult. But drivers must comprehend the methods companies use to compete online and apply this information to your search.

Cheap car insurance

There are several ways of comparing price quotes from lots of car insurance companies. By far the easiest way to find the cheapest 2013 Audi S4 insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

• Probably the best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This quick form prevents you from having to do a different quote for each price estimate. Completing one form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
• A harder way to analyze rates is going to each individual company website and fill out their own quote form. For instance, we’ll pretend you need rates from Auto-Owners, Liberty Mutual and GMAC. To get rate quotes you would need to take the time to go to each site and repeatedly type in your coverage information, which can be really labor intensive.

  To view a list of companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use the same deductibles and coverage limits on every quote. If each company quotes different coverage information then you won’t be able to determine the lowest rate for your Audi S4. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when comparing car insurance rates, know that quoting more provides better odds of finding more affordable insurance. Not every company does rate quotes online, so you should also compare prices from them as well.

These discounts can reduce auto insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some need to be asked about in order for you to get them.

• Early Renewal Discounts – A few insurance companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
• New Vehicle Savings – Buying a new car model can get you a discount because newer vehicles have to meet stringent safety requirements.
• Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates for S4 insurance than drivers with accident claims.
• Pay Early and Save – By making one initial payment rather than spreading payments over time you can actually save on your bill.
• Drive Less and Save – Driving less can qualify you for better prices on cars that stay parked.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy can get a discount on all vehicles.
• Passenger Safety Discount – Cars that have air bags can get savings of up to 25% or more.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

To locate insurance companies that have a full spectrum of discounts, click here.

Reduce insurance rates with these tips

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating your policy premiums. If you know what determines base rates, this allows you to make educated decisions that could help you find lower auto insurance prices. Many factors are taken into consideration when pricing auto insurance. Some factors are common sense like an MVR report, although some other factors are not as apparent like your vehicle usage and annual miles driven.

Shown below are some of the items used by your company to calculate prices.

• Raising deductibles lowers premiums – Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if a claim is determined to be covered. Coverage for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a stationary object, hail damage, and damage caused by road hazards. The higher the amount you’re willing to pay, the less your auto insurance will be for S4 insurance.
• Eliminate unneeded extra coverages – Policies have extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for vanishing deductibles, accident forgiveness, and additional equipment coverage are examples of these. They may seem like a good idea at first, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
• Bundle policies to earn discounts – Most larger auto insurance companies provide better rates for people who have multiple policies with them. It’s known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to help ensure you have the lowest rates.There is a good possibility that you can save money by splitting coverages up.
• High credit scores save money – Having a good credit history is likely to be a major factor in determining what you pay. If your credit rating is not that good, you could potentially save money when insuring your 2013 Audi S4 if you improve your credit rating. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.

When do I need an agent’s advice?

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

• Can my teen drive my company car?
• What is no-fault insurance?
• What is roadside assistance coverage?
• Is my nanny covered when driving my vehicle?
• Is motorclub coverage worth it?
• How do I insure my teen driver?
• If my 2013 Audi S4 is totaled, can I afford another vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Audi S4.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability coverage

This coverage provides protection from damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, loss of income, pain and suffering, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, driving through your garage door, crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, damage from flooding and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, ambulance fees, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Quote often and quote early

We just showed you a lot of tips how to lower your 2013 Audi S4 insurance premium rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may even discover the lowest premium rates are with a smaller regional carrier.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, delays in paying claims, unfair underwriting practices and denial of a claim. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many cases where someone dropped liability limits or collision coverage and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Collision Insurance Coverage (Nationwide)