Compare 2015 Audi S4 Insurance Quotes

Are you tired of not being able to afford to buy car insurance? You’re in the same situation as millions of other consumers.

There are many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, it makes it harder to compare rates and find the lowest cost car insurance.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Nevertheless, drivers must understand how big insurance companies determine prices because it can help you find the best coverage.

Impacting insurance rates for an Audi S4

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. Knowing what determines base rates allows you to make educated decisions that could result in lower car insurance prices.

The list below includes a few of the “ingredients” companies use to determine premiums.

  • Theft deterrents lower rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Lower rates come with age – Young drivers have a tendency to be careless and easily distracted behind the wheel so car insurance rates are higher. Parents adding a young driver to your policy can be quite pricey. Older drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Just one ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Liability coverage protects you – Liability insurance will protect you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Allowing your policy to lapse raises rates – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.

Cut your premium with discounts

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so here is a list both well-publicized and the more hidden savings tricks you should be using.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Low Mileage – Keeping the miles down on your Audi can earn discounted rates on garaged vehicles.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Senior Citizens – Mature drivers may be able to get reduced rates for S4 coverage.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

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

What is the best insurance coverage?

When it comes to buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining whether or not you could use an agent’s help.

  • Is my trailer covered?
  • What is PIP insurance?
  • Why is insurance for a teen driver so high?
  • What can I do if my company won’t pay a claim?
  • What is high-risk coverage and where do I buy it?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Learn about car insurance coverages for an Audi S4

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive car insurance

Comprehensive insurance 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 coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your S4 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, rehabilitation expenses, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Never pay more for less

When shopping online for insurance coverage, make sure you don’t reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented many tips how you can get a better price on 2015 Audi S4 insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Cheaper insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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