Cheaper 2001 Audi S4 Car Insurance Quotes

Shopping for the lowest cost insurance on the web is somewhat difficult for consumers not familiar with shopping for insurance online. With so many companies competing online, how can you have a chance to compare every one to find the best available price?

Compare Car Insurance Costs

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time driving to insurance agencies in your area, or you could save time and use the web to get the quickest rates.

Many companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for every car insurance company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you are unable to specify which carriers to get quotes from. If you wish to select specific insurance companies to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use the exact same coverage limits for each comparison quote. If your comparisons have higher or lower deductibles you can’t possibly truly determine the lowest rate. Slightly different coverages may cause a big price difference. It’s important to know that obtaining a wide range of quotes will increase your chances of finding a lower rate.

Discounts to lower Audi S4 insurance rates

Companies don’t always advertise all available discounts very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for S4 insurance depending on your company.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing on their website.

Keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

Companies who might offer some of the above discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts might not apply in every state.

Lesser-known factors impacting Audi S4 insurance rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that could result in better car insurance rates.

  • A clean driving record saves money – Even a single moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for damages from an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Don’t let your coverage lapse – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated S4 can result in significantly higher rates. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Do I need motorclub coverage?
  • Should I have a commercial auto policy?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • What is UM/UIM insurance?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when pulling a rental trailer?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about auto insurance coverages

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

This will pay to fix damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage pay for bills like EMT expenses, funeral costs, pain medications, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer, hitting a bird and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

What is YOUR best insurance company?

We just covered quite a bit of information on how to lower your 2001 Audi S4 insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Consumers switch companies for many reasons like delays in paying claims, lack of trust in their agent, denial of a claim or even not issuing a premium refund. Regardless of your reason, choosing a new company is actually quite simple.

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