Save on 2015 Audi S4 Insurance Cost

Looking for the cheapest car insurance rates for your Audi S4? Finding affordable car insurance is difficult for consumers not familiar with shopping for insurance online. Consumers have so many companies to choose from that it can quickly become a challenge to find lower rates.

It’s important to compare prices yearly because prices trend upward over time. Even if you think you had the best price on S4 coverage a few years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the web, but I’m going to show you some proven techniques to quit paying high car insurance rates.

Elements that influence Audi S4 insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay enables informed choices that could result in lower insurance coverage prices.

The following are some of the factors insurance coverage companies consider when setting premiums.

  • Rate your vehicle for proper use – The more miles you rack up on your Audi each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage policy is rated on how each vehicle is driven. Incorrect usage on your S4 can result in significantly higher rates.
  • Marriage brings a discount – Getting married can get you a discount on insurance coverage. It translates into being more mature and responsible and statistics show married couples file fewer claims.
  • More people means more accidents – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Lower population means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a sure-fire way to pay more for insurance coverage. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Add-on coverages can add up – There are quite a few extra coverages that can waste your money on your insurance coverage policy. Things like vanishing deductibles, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Traffic violations increase rates – Drivers with clean records have lower premiums than their less careful counterparts. Even a single ticket may increase your cost twenty percent or more. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

Cut prices on Audi S4 insurance

Companies do not list every available discount very clearly, so we researched some of the best known as well as the least known ways to save on insurance.

  • Federal Employees – Employees or retirees of the government may qualify you for a discount on S4 coverage depending on your company.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Accident Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Save over 55 – Older drivers may receive a small decrease in premiums on S4 coverage.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurers with the best insurance discounts, click this link.

Insurance coverage myths debunked

Insurance coverage companies such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all seem to make the same claim that you can save if you change to them. How can each company claim to save you money?

All companies can use profiling for the driver that makes them money. An example of a preferred risk could be over the age of 40, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.

Consumers who fall outside the requirements must pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much. That is how companies can make the claims of big savings. This illustrates why you need to get as many comparisons as possible. It’s impossible to know which insurance companies will have the lowest Audi S4 insurance rates.

Tailor your coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Do I need rental car coverage?
  • How much liability do I need to cover my assets?
  • When should my teen driver be added to my policy?
  • Where can I find DUI or SR-22 insurance?
  • What is UM/UIM insurance?
  • When can I cancel my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Learn about insurance coverages for an Audi S4

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane, hitting a deer, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability insurance can cover damage that occurs to people or other property. This coverage protects you against other people’s claims, 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. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like loss of income, court costs, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as dental work, hospital visits and prosthetic devices. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

You can do this!

We covered a lot of ways to compare 2015 Audi S4 insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from an unexpected company.

Consumers leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, an unsatisfactory settlement offer and delays in responding to claim requests. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Low-cost insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online price quotes and these small insurance companies work with independent agents.

Additional detailed information can be read at these sites: