How Much Does 2007 Audi RS 4 Insurance Cost?

Want better car insurance rates? Drivers have lots of choices when trying to find affordable Audi RS 4 insurance. You can either waste hours calling around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to compare car insurance rates and you need to know the proper way to get price quotes for a new or used Audi and locate the cheapest rates from both online companies and local agents.

It’s important to do rate comparisons periodically because rates change quite often. Even if you got the best rates on RS 4 insurance on your last policy there may be better deals available now. Starting now, block out anything you think you know about car insurance because I’m going to teach you the fastest and easiest way to save on car insurance.

Why your Audi RS 4 might be costing you more

It’s important that you understand some of the elements that help determine the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

The following are a few of the “ingredients” that factor into prices.

  • Extra coverages can waste money – There are a lot of additional coverages that can waste your money on your car insurance policy. Insurance for roadside assistance, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Audi scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • More people means more accidents – Living in small towns and rural areas is a positive aspect when insuring your vehicles. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Urban drivers regularly have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Audi. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the lower your rates will be on RS 4 insurance.
  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
  • Bundling policies can get discounts – The majority of companies provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to ensure the best deal.
  • Rate your vehicle for proper use – The higher the mileage driven each year the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your RS 4 can cost quite a bit. Make sure your car insurance declarations sheet shows the correct usage for each vehicle.
  • Older drivers save more – Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to be less responsible behind the wheel and because of this, their car insurance rates are much higher.

Save with discounts on Audi RS 4 insurance

Companies offering auto insurance don’t always list all available discounts very well, so we researched some of the best known as well as the least known insurance savings. If you don’t get every credit available, you are throwing money away.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when buying insurance on RS 4 insurance.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to note that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, insurance companies aren’t that generous.

A partial list of companies that possibly offer some of the above discounts include:

Double check with every prospective company how you can save money. Discounts might not apply everywhere.

Is there truth in advertising?

Consumers can’t get away from ads for car insurance savings from the likes of State Farm, Allstate and Geico. They all make an identical promise that you can save if you move your coverage to them.

How do they all make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a preferred risk might be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Consumers who don’t meet the requirements will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently state the savings. This emphasizes why drivers must quote coverage with many companies. It’s impossible to know the company that will provide you with the cheapest Audi RS 4 insurance rates.

Tailor your coverage to you

When it comes to buying coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Who is covered by my policy?
  • Am I covered if my car is in a flood?
  • Does insurance cover damages from a DUI accident?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision insurance

This coverage will pay to fix damage to your RS 4 from colliding with another vehicle or an object, but not an animal. 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 colliding with a tree, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for dental work, X-ray expenses, chiropractic care and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on people or other property. It protects you against claims from other people. It does not cover 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. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

One last thing about your coverage

We just covered quite a bit of information on how to reduce 2007 Audi RS 4 insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the best prices are with a small local company.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, delays in paying claims, policy non-renewal and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Much more information about insurance is available at the links below