Cheap 2014 Audi S4 Insurance Rates

If you are new to online car insurance, there’s a good chance you are overwhelmed thanks to all the different types of online companies all promising to save you money.

It’s a good idea to compare prices at least once a year because car insurance prices are variable and change quite frequently. Just because you found the lowest quotes on S4 insurance at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to quote online to find better rates and still maintain coverage.

Pricing affordable coverage is quite easy. Just about anyone who is required by state law to have insurance will more than likely be able to find lower rates. But consumers must understand how companies compete online and apply this information to your search.

More discounts mean cheap premiums

Insuring your vehicles can cost a lot, but companies offer discounts that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but some need to be specifically requested before you will receive the discount.

• Sign Online – A handful of insurance companies will provide an incentive simply for signing online.
• Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
• Senior Citizen Rates – Drivers over the age of 55 are able to get better insurance rates on S4 insurance.
• Discounts for Responsible Drivers – Accident-free drivers could pay up to 40% less on S4 insurance as compared to drivers with claims.
• Low Miles Discount – Maintaining low annual mileage could be rewarded with substantially lower premium rates.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Liberty Mutual and Geico may permit one accident without getting socked with a rate hike if you have no claims for a set time period.
• Defensive Driver Discount – Taking a course teaching driver safety skills is a good idea and can lower rates and also improve your driving technique.
• New Car Discount – Insuring a vehicle that is new can save you some money because newer vehicles keep occupants safer.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
• Claim-Free Discount – Claim-free drivers pay less compared to drivers with a long claim history.

Just know that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free insurance policy, insurance companies aren’t that generous.

Some of the larger companies that may offer many of the previously listed discounts are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view providers with discount rates, click here to view.

Finding auto insurance

Effectively comparing auto insurance prices is a ton of work if you don’t know the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to maximize your effort.

The majority of car insurance companies enroll in a system where prospective buyers send in one quote, and every company returns a competitive quote determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The one downside to doing it this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but do your best to use equivalent coverage information for each price quote. If you compare higher or lower deductibles it will be impossible to determine the best price for your Audi S4. Quoting even small variations in insurance coverages or limits can make a big difference in price. Keep in mind that quoting more increases your odds of finding the best offered rates.

How your S4 insurance costs are determined

Many different elements are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are not quite as obvious such as your marital status or how financially stable you are.Smart consumers have a good feel for the rating factors that aid in calculating your premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you lower insurance coverage prices.

• Premiums are affected by your credit score – A driver’s credit score factor in your rate calculation. Insureds with good credit tend to be more responsible and file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2014 Audi S4 by improving your credit score.
• Safety ratings are a factor – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy. If your Audi S4 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Higher premiums for specific jobs – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like doctorsair traffic controllers and emergency personnel have higher rates than average in part from intense work requirements and lots of time spent at work. On the other hand, jobs such as professors, students and performers pay the least on S4 insurance.
• Pay more out-of-pocket – The deductibles are how much you are willing to pay in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, fire damage, and damage from wind. The more expense the insured is willing to pay, the less money you will pay for insurance coverage on S4 insurance.
• Teenage vs. older drivers – Mature drivers have been proven to be more responsible, tend to file fewer claims , and usually have better credit.Drivers with little experience are proven to be inattentive behind the wheel so insurance coverage rates are higher.
• Remove unneeded extra policy coverages – Insurance policies have a lot of additional extra coverages you can purchase if you aren’t diligent. Coverage for things like coverage for rental cars, accidental death, and term life insurance are probably not needed. They may seem good at first, but if you have no use for them consider taking them off your policy.
• Women tend to cost less – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. Males and females are responsible for fender benders in similar percentages, but guys cause more damage. Men also tend to receive more major tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
• Car and home together may be cheaper – Some insurers apply lower prices for people who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even with this discount applied, it’s still a good idea to comparison shop to help ensure you have the lowest rates. Consumers may find better rates by splitting coverages up.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions can help discover whether or not you could use an agent’s help.

• How high should my medical payments coverage be?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I pay less for low miles?
• Am I covered if I break a side mirror?
• How can I force my company to pay a claim?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I better off with higher deductibles on my 2014 Audi S4?
• Is my 2014 Audi S4 covered for smoke damage?
• How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi S4.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for chiropractic care, funeral costs, nursing services, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability insurance – This protects you from damage or injury you incur to people or other property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, structural damage and loss of income. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

The bottom line

You just read quite a bit of information on how to save on 2014 Audi S4 insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier.

There are still a few companies who don’t offer rate quotes online and these regional carriers work with independent agencies. Cost effective 2014 Audi S4 insurance can be sourced on the web in addition to many insurance agents, so compare prices from both to have the best rate selection.

As you shop your coverage around, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

Other resources

• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)
• Older Driver Statistics (Insurance Information Insitute)