Lower Your 1994 Audi S4 Insurance Rates

Want the cheapest car insurance rates for your Audi S4? Are you sick and tired of paying out the nose to insure your Audi every month? You are no different than the majority of other car owners. Having so many different company options, it is very difficult to locate the right company.

Why you might be paying too much to insure your Audi S4

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Audi S4 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • More people means more accidents – Residing in a small town can be a good thing when it comes to insurance coverage. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Clean credit earns discounts – Credit score is a important factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit is low, you could potentially save money when insuring your 1994 Audi S4 by improving your rating.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Careers like judges, architects and stock brokers tend to have the highest rates due to high stress levels and long work hours. On the other hand, professions such as scientists, students and performers receive lower rates for S4 insurance.
  • Do you qualify for a multi-policy discount? – Many insurers will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.
  • Pay less if you’re married – Being married can get you a discount when buying insurance coverage. It translates into being more mature and it’s proven that married couples file fewer claims.
  • Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are known to get distracted easily in a vehicle and because of this, their insurance coverage rates are much higher.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you are required to pay out-of-pocket, the lower your rates will be for S4 insurance.

Discounts to lower Audi S4 insurance rates

Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for S4 insurance than less cautious drivers.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Accident Waiver – A few companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

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

Can switching companies really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the ads make the same claim about savings after switching to them.

How does each company claim to save you money?

All the different companies can use profiling for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as over the age of 50, is a homeowner, and has a short commute. Any new insured who matches those parameters gets the lowest rates and therefore will cut their rates substantially.

Drivers who fall outside the “perfect” profile will be charged higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” not “people who quote” save money. That’s the way insurance companies can state the savings.

That is why drivers must quote coverage with many companies. Because you never know which company will fit your personal profile best.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • What is high-risk coverage and where do I buy it?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover my teen driver if they drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Is a fancy paint job covered?
  • How much liability do I need to cover my assets?
  • Am I covered when using my vehicle for business?
  • How much liability coverage do I need in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

What auto insurance coverages do you need?

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, a broken windshield, hail damage and damage from flooding. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, court costs, medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your S4 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi S4.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like nursing services, chiropractic care, pain medications, surgery and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

One last thing about your coverage

You just learned some good ideas how you can get a better price on 1994 Audi S4 insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate, Geico and Progressive.

Lower-priced insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about insurance coverage can be found below: