Cheaper 2008 Audi S4 Car Insurance Quotes

Searching for the cheapest insurance rates for your Audi S4? Are you tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as millions of other consumers. Because you have many companies to choose from, it can be diffult for consumers to pick the right car insurance company.

The purpose of this post is to familiarize you with how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers only need an understanding of how to compare company rates online.

Factors determining your Audi S4 insurance premium

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Your auto insurance rates can be influenced by your job – Careers like doctors, architects and dentists have the highest average rates in part from high stress and long work days. Other professions such as farmers, historians and the unemployed get better rates on S4 insurance.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • How your age affects price – Older drivers are more cautious drivers, file fewer claims and receive fewer citations. Teenage drivers have a tendency to be less responsible behind the wheel therefore auto insurance rates are much higher.
  • Cautious drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Only having one ticket can bump up the cost twenty percent or more. If you have serious violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that you can buy on your S4 policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
  • Drive less and save money – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your S4 can result in significantly higher rates.

Discounts mean cheaper 2008 Audi S4 insurance rates

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Drive Less and Save – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on S4 insurance with a few auto insurance companies.

It’s important to understand that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way. But any discount will reduce your premiums.

To see a list of companies with discount auto insurance rates, click this link.

Insurance coverage ads bend the truth

Consumers can’t get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and Geico. All the ads make an identical promise of big savings after switching your coverage to them.

How can each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no driving citations, and has great credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t meet the requirements must pay a more expensive rate which leads to the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the savings.

This illustrates why you should compare many company’s rates. It’s not possible to predict which insurance coverage company will fit your personal profile best.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • If I drive on a suspended license am I covered?
  • How can I force my company to pay a claim?
  • What is the ISO rating for a 2008 Audi S4?
  • Is my teenager covered with friends in the car?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage basics

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Audi S4.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills like EMT expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your S4 caused by 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 coverage pays for things such as scraping a guard rail, hitting a mailbox, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

This will cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and doesn’t 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. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, emergency aid, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Quote often and quote early

Affordable 2008 Audi S4 insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer online price quotes and these smaller companies work with independent agents.

In this article, we presented some good ideas how you can get a better price on insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

For more information, take a look at the resources below: