1993 Audi S4 Car Insurance Rates – 8 Tricks for Best Quotes

Searching for lower insurance coverage rates for your Audi S4? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me, you are not the only one feeling buyer’s remorse.

Because you have many insurance coverage companies to choose from, it can be hard to choose the lowest price company.

It is always a good idea to price shop coverage periodically since insurance rates change frequently. Even if you got the best rates on S4 insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to get good coverage at a lower rate.

Buying car insurance is not that difficult. Essentially every driver who has to buy insurance coverage most likely will be able to find better rates. But drivers can benefit from knowing how the larger insurance companies price online insurance and apply this information to your search.

The quickest way to compare car insurance rates is to realize almost all companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is give the companies some data such as if it has an anti-theft system, if you lease or own, your credit rating estimate, and how much coverage you want. That rating information is submitted instantly to multiple companies and they return quotes instantly to find the best rate.

To start a quote now, click here and complete the quick form.

Save money by taking advantage of these eight discounts

Companies don’t always advertise every available discount very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings.

  • Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break when buying auto insurance on S4 insurance.
  • No Claims – Claim-free drivers pay much less when compared to accident-prone drivers.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • College Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of companies with the best auto insurance discounts, click here to view.

When should I use an insurance agent?

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Should I rate my 1993 Audi S4 as pleasure use or commute?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • What if I total my 1993 Audi S4 and owe more than it’s worth?
  • When should my teen driver be added to my policy?
  • How many claims can I have before being cancelled?
  • Am I covered when driving someone else’s vehicle?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance myths debunked

Allstate, Geico and Progressive continually stream television and radio advertisements. All the companies make an identical promise of big savings after switching your coverage to them. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. An example of a desirable insured could possibly be over the age of 40, is a homeowner, and has a high credit rating. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who are not a match for the “perfect” profile will have to pay higher prices which usually ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings. Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Audi S4 insurance rates.

Auto insurance policy coverages for a 1993 Audi S4

Understanding the coverages of auto insurance can help you determine the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like bail bonds, pain and suffering, loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from flooding, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your S4 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail, colliding with a tree, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This 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.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, pain medications and nursing services. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Never pay more for less

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Low-cost 1993 Audi S4 insurance can be bought online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

For more information, link through to the resources below: