Lower Your 2014 Audi S4 Insurance Cost

Are you sick and tired of robbing Peter to pay Paul to insure your Audi every month? You are no different than many other drivers. Having so many companies and agents to choose from, it can be challenging to find the cheapest insurer.

It’s smart to price shop coverage before your policy renews since insurance rates tend to go up over time. Even if you think you had the lowest rates on S4 insurance on your last policy you will most likely find a better rate today. Don’t believe everything you read about auto insurance on the internet, so we’re going to give you some excellent ideas to quit paying high auto insurance rates.

Finding affordable coverage is not rocket science. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Drivers just need to understand the proper methods to compare rates online.

Don’t miss these discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on S4 insurance than their less cautious counterparts.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on S4 insurance with select insurance companies.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurance companies offering insurance coverage discounts, follow this link.

How to Compare Auto Insurance Costs

Most major insurance companies like 21st Century, Allstate and State Farm quote prices for coverage directly from their websites. This process is fairly simple as you simply enter your coverage preferences as detailed in the form. After the form is submitted, their system collects your driving record and credit report and generates pricing information. This makes comparing rates easy, but the time required to go to a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for the best price possible.

An easier way to find cheaper rates requires only one form that analyzes rates from more than one company. This type of form saves time, reduces the work, and makes price shopping online much easier. As soon as you send your information, it is quoted and you are able to buy any one of the returned quotes. If you find a better price you simply finish the application and purchase the new policy. This process only takes a few minutes and may save quite a bit of money.

To quickly find out how much you can save on auto insurance, click here and enter your information. If you have a policy now, it’s recommended that you enter the coverage information identical to your current policy. Doing this assures you will have comparison quotes for similar coverage.

Factors that can influence Audi S4 insurance rates

Consumers need to have an understanding of the factors that go into determining the price you pay for car insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Increase deductibles and save – Deductibles for physical damage define the amount you are willing to pay before your car insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more you have to pay, the lower your rates will be on S4 insurance.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Your spouse saves you money – Getting married can get you a discount on your car insurance policy. It means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Too many car insurance claims drive up costs – Insurance companies provide lower rates to policyholders who do not file claims often. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is intended to be relied upon for larger claims.
  • Pleasure use saves money – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on how the vehicle is used. Autos left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your S4 may be wasting your money.

When might I need help?

When it comes to buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2014 Audi S4?
  • Are my friends covered when driving my 2014 Audi S4?
  • Is motorclub coverage worth it?
  • Do I need higher collision deductibles?
  • Can I rent a car in Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance myths debunked

Consumers constantly see and hear ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all seem to make the same claim about savings if you change your coverage to them.

How can each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A driver that hits that “sweet spot” is entitled to the best price and therefore will save when switching.

Potential insureds who are not a match for the “perfect” profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that much. That’s why companies can make those claims. This emphasizes why you absolutely need to compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses like nursing services, surgery, doctor visits, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverages – Collision insurance covers damage to your S4 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability car insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like funeral expenses, emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Audi S4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Make a quick buck

In this article, we presented some good ideas how you can save on 2014 Audi S4 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may even find the most savings is with a lesser-known regional company. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Low-cost insurance is attainable online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured cut full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Much more information about car insurance can be read at these links: