View 2004 Audi S4 Insurance Cost

Searching for better insurance prices for your Audi S4 can be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for your Audi and find the cheapest rates.

Consumers need to compare rates occasionally because insurance rates are variable and change quite frequently. Just because you had the lowest rates on S4 coverage a year ago you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.

If you have insurance now or are shopping for new coverage, you can use this information to get lower rates and still get good coverage. Locating the lowest cost protection is not that difficult. Drivers only need to know how to compare prices online.

Where Can I Get Cheap Auto Insurance?

Finding cheaper 2004 Audi S4 auto insurance prices can be surprisingly simple. All you need to do is invest a few minutes to compare rate quotes from different insurance companies. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons direct from many companies.It’s the quickest way to get rates.
  2. A different way to get comparison quotes requires a visit to the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want to compare rates from USAA, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you use identical coverages for every company. If you are comparing differing limits it’s impossible to make an equal comparison.

Save on Audi S4 insurance

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on S4 coverage depending on your company.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.

Consumers should know that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of providers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Which companies will insure high-risk drivers?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • Is my cargo covered for damage or theft?
  • Am I getting all the discounts available?
  • When should my teen driver be added to my policy?
  • Do I need rental car coverage?
  • Why do I only qualify for high-risk insurance?

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 lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from flooding, hitting a bird, fire damage and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays for damage to your S4 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles, medical expenses, court costs and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S4.

Since many 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 very important.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, hospital visits, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay