Cheap 2001 Audi S4 Insurance Quotes

Want lower insurance rates for your Audi S4? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Popular companies such as Geico, Farmers Insurance and State Farm continually bombard you with ads and it is difficult to ignore the propoganda and take the time to shop coverage around.

You should take the time to shop coverage around before your policy renews since insurance rates are usually higher with each renewal. If you had the best price on S4 coverage on your last policy a different company probably has better rates today. Starting now, block out anything you think you know about insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

If you have a current insurance policy or need a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not that difficult. Drivers just need to understand the best way to get comparison rates online.

Companies offer discounts so take them!

Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so we break down some of the more common as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit available, you are paying more than you should be.

  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Own a Home – Owning a house can save you money because owning a home is proof that your finances are in order.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application online.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on S4 coverage with select insurance companies.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

It’s important to note that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurance companies who offer insurance coverage discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs might need professional guidance.

  • What is UM/UIM insurance?
  • Is pleasure use cheaper than using my 2001 Audi S4 to commute?
  • Can I still get insurance after a DUI?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving in Canada or Mexico?
  • When can my company non-renew my policy?
  • What are the financial responsibility laws in my state?
  • Can I make deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Beware of misleading car insurance ads

Consumers can’t get away from ads for car insurance savings by Progressive, Geico, Allstate and State Farm. All the companies say the same thing of big savings if you switch to their company.

How can each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the driver that is profitable for them. A good example of a profitable customer might be over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will be charged higher rates which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save that much. This is how companies can advertise the savings. That is why you absolutely need to get as many comparisons as possible. Because you never know which insurance companies will fit your personal profile best.

Insurance coverage options for a 2001 Audi S4

Understanding the coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Liability auto insurance

This coverage can cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi S4.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, falling objects, rock chips in glass and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Be a smart shopper

We just showed you many tips how you can shop for 2001 Audi S4 insurance online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with an unexpected company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

Budget-conscious insurance is attainable on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

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