Compare 2013 Audi S4 Insurance Quotes

Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not alone.

Companies like State Farm, Geico and Farmers Insurance continually hit you with catchy ads and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

Best discounts on 2013 Audi S4 coverage

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain discounts will be applied when you purchase, but less common discounts must be asked about before being credited.

  • Resident Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.
  • No Claims – Claim-free drivers can earn big discounts when compared with accident-prone drivers.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • One Accident Forgiven – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies with the best insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation would benefit from professional advice.

  • How do I file an SR-22 for a DUI in my state?
  • Does my car insurance cover rental cars?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should my medical payments coverage be?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Don’t listen to company ads

Auto insurance companies such as State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to make an identical promise about savings if you switch your coverage to them. But how can every company make the same claim?

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who fall outside these standards must pay higher rates and ends up with the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the savings.

This illustrates why you should get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Audi S4 insurance.

Learn about insurance coverages for an Audi S4

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Coverage for liability – Liability insurance can cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, structural damage and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, chiropractic care and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

In the end, you save

We just covered many ideas to lower your 2013 Audi S4 insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.

Lower-priced insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In many cases, an insured cut liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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