2009 Audi S4 Car Insurance Rates

Looking for the cheapest auto insurance rates for your Audi S4? Are you tired of not being able to afford to insure your Audi every month? You are no different than most other car owners. Insurance companies such as Progressive, State Farm and Geico all promote huge savings with ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s important to shop coverage around yearly because prices go up and down regularly. Even if you think you had the best deal for S4 coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

Audi S4 premiums are determined by many factors

Smart consumers have a good feel for the rating factors that go into determining insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance coverage prices.

Listed below are a partial list of the pieces that factor into rates.

  • Poor driving leads to higher costs – Even one speeding ticket can increase rates by twenty percent. Good drivers get better rates than their less careful counterparts. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Audi S4 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Discounts for multiple policies – Many companies will award you with lower prices to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Your occupation can affect rates – Occupations like judges, executives and stock brokers have the highest rates due to high stress and long work hours. On the other hand, occupations like actors, students and retirees get better rates for S4 coverage.

Don’t miss these discounts

Companies don’t necessarily list every discount in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Safe drivers can pay as much as 50% less for S4 coverage than drivers with accidents.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better car insurance rates for S4 coverage.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break on car insurance for S4 coverage.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of insurers with discount car insurance rates, follow this link.

When might I need help?

When it comes to choosing the best car insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • What is an SR-22 filing?
  • Can I afford low physical damage deductibles?
  • Do I need replacement cost coverage on my 2009 Audi S4?
  • What can I do if my company won’t pay a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, 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 can provide invaluable advice.

Auto insurance 101

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t 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 might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like bail bonds, legal defense fees, funeral expenses, medical expenses and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for rehabilitation expenses, surgery, EMT expenses, prosthetic devices and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your S4 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, hitting a mailbox, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Better coverage you can count on

When shopping online for auto insurance, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

In this article, we presented some good ideas how you can reduce 2009 Audi S4 insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from a lesser-known regional company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Affordable insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. A few companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

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