View 2012 Audi S4 Car Insurance Rates

Have you fallen victim to an overpriced car insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

Consumers have many auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest rates.

Discounts are great for lower rates

Companies do not list all their discounts very well, so we break down some of the more common as well as the least known ways to save on car insurance.

  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on S4 coverage with certain companies.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy could earn a price break for each car.
  • Organization Discounts – Affiliation with a professional or civic organization may earn a discount on your policy on S4 coverage.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Companies that may have these discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

The easiest way to compare rates takes advantage of the fact most of the bigger providers have advanced systems to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information including how much you drive, how your vehicles are used, the ages of drivers, and level of coverage desired. Your details is instantly submitted to all major companies and you receive quotes instantly.

To compare multiple company rates now, click here and enter the information requested.

You may need specialized coverage

When choosing coverage, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining whether you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy only the required minimum liability coverage?
  • Is my camper covered by my car insurance policy?
  • How much liability insurance is required?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • Does my 2012 Audi S4 need full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for ambulance fees, rehabilitation expenses, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a broken windshield and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your S4 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2012 Audi S4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, 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 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

A tidy conclusion

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We covered many tips how you can reduce 2012 Audi S4 insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

Even more information can be found at these sites: