2016 Audi S4 Insurance Quotes

Searching for better auto insurance rates for your Audi S4? Having to pay for expensive Audi S4 insurance can stress out your bank account and force you to tighten up your finances. Performing a rate comparison can be a smart way to tighten up your finances.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a company to find the lowest rate possible.

If you currently have a car insurance policy, you should be able to save some money using these tips. Finding the best rates is quite easy. But consumers benefit from understanding how the larger insurance companies determine prices and apply this information to your search.

Save money by applying discounts

Some companies don’t always advertise all possible discounts very clearly, so the next list breaks down some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Multi-line Discount – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
  • Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates for S4 insurance as compared to drivers with claims.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Options like air bags can qualify for discounts of more than 20%.
  • College Student – Older children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

If you would like to see a list of insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

Compare quotes for car insurance

To find the best car insurance quotes, there are several ways to compare rate quotes from lots of car insurance companies. The easiest way by far to do a complete rate comparison is to use the internet to compare rates. This can be accomplished using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form prevents you from having to do a different quote for every prospective company. One quote request will return price quotes from many national carriers.

A harder way to obtain and compare quotes online requires you to visit the website of each company and go through the quote process again. For examples sake, we’ll pretend you want to get rates from Nationwide, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time. To view a list of companies in your area, click here.

The least recommended method to get price estimates is calling or driving to each insurance agency near you. Comparing rate quotes online eliminates the need for an insurance agent unless your situation requires the guidance of a local agency. However, consumers can compare the best prices online and have a local agent actually service the policy.

How you compare quotes is your choice, just do your best to enter the same coverages on every price quote you get. If your comparisons have different data it’s impossible to get a fair rate comparison. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, quoting more helps you find the best price.

Your auto insurance coverage should be tailored to you

When buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • How much liability coverage do I need in my state?
  • Is my 2016 Audi S4 covered for smoke damage?
  • When should my teen driver be added to my policy?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit a deer?
  • Can I make deliveries for my home business?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, a broken windshield, vandalism, damage from flooding and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for hospital visits, dental work, surgery and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

This can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Do the work, save more money

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

You just learned quite a bit of information on how to compare 2016 Audi S4 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper insurance. Consumers may even find the biggest savings come from an unexpected company. Smaller companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

Other articles

Comments About 2016 Audi S4 Insurance

  1. Dalila Foster

    I’m in Cedar Rapids, IA. Quoted prices online for a 2016 Audi S4. Ended up at about $410 savings annually. Went with Progressive. Left Farmers to switch. Not sure if rates are cheaper online or through an agent.

  2. Shona Randolph

    If you have a good history and live near Green Bay, WI, check out Progressive. They seem to be cheaper. Was with Erie. They have a lot of discounts available. I got prices on the web.

  3. Brendon Frazier

    Nice info. I live east of Huntington, WV. Went online for free insurance quotes for a 2016 Audi S4. Ended up at about $540 savings annually. Went with State Farm.

  4. Katy Stewart

    For me, State Farm was by far the cheapest in Honolulu, Hawaii.

  5. Donn Ferrell

    From Biloxi, Mississippi. Quoted with Hanover, AAA, Sentry, and a couple others for my S4 and I’m now saving $62 a month. Insured with 21st Century before. I increased coverages a little too.

  6. Giovanni Barlow

    For me, Progressive was by far the cheapest in Seattle, WA.

  7. Jesus Emerson

    If you have a clean record and live in the vicinity of Biloxi, MS, check out Allstate. They seem to be cheaper.

  8. Lizabeth Conley

    Nice info. I’m in the south part of Wichita, KS. Quoted with GEICO, Encompass, and Liberty Mutual for my 2016 Audi S4 and saved just over $480 a year.

  9. Johnetta Brock

    Checking in from Huntington, WV. Received quotes from 21st Century, American Family, Esurance, and GMAC for my S4 and I think I saved about $40 each month.

  10. Viola Hughes

    Cheap car insurance? What’s that? Went with 21st Century for my S4 and saved around $290 a year. I recommend comparing lots of rates.

  11. Kathaleen Mcgee

    From northwest of Gaithersburg, Maryland. I quoted with USAA, AIG Insurance, GMAC, and Sentry for my Audi and I think I saved around $20 each month.

  12. Trey Nieves

    Lots of good stuff here. I’m in the suburbs of Rapid City, SD. Checked online prices for a 2016 Audi S4. Ended up at about $280 savings annually. Went with Progressive. My new agent seems to be really good. It’s easy to compare rates online now.

  13. Katrice Matthews

    Checking in from Paterson, NJ. Don’t remember every company but I ended up saving about $60 each month. Left Mercury to switch. Switched homeowners coverage too.

  14. Susy Holden

    I live just to the east of Detroit, MI. Got car insurance quotes from GMAC, Auto-Owners, Safeco, and a couple others for my 2016 Audi S4 and I think I cut my rates about $40 each month. I have a couple other vehicles on the policy.

  15. Emmitt Oliver

    2016 Audi S4 + Allstate = GOOD RATES!

  16. Lurlene Davidson

    If you have a good history and live in the vicinity of Shreveport, LA, check out Progressive. I saved quite a bit. They have a lot of discounts available.

  17. Clinton Macias

    If you don’t have tickets and are close to Fayetteville, Arkansas, check out 21st Century. You might save some money. Was with Eastwood.

  18. Dannie Maxwell

    Not sure if this is cheap. Got a quote with Erie for my 2016 Audi S4 and cut my rates about $410 a year.