1994 Audi S4 Insurance Rates – 5 Savings Tips

Sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers. There is such a variety of insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more car insurance companies makes it harder to compare rates and cut insurance costs.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Drivers just need to understand the best way to shop for auto insurance over the internet.

You probably qualify for some discounts

Companies that sell car insurance don’t always advertise every discount very well, so we researched both well-publicized as well as the least known auto insurance savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • 55 and Retired – Mature drivers may be able to get reduced rates for S4 coverage.
  • Sign Online – A few companies will give a small break for buying a policy and signing up online.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

A little note about advertised discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

For a list of insurance companies offering auto insurance discounts, click here to view.

The quickest way to compare rate quotes takes advantage of the fact almost all companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is give the companies some data including if you have a valid license, marital status, deductibles desired, and if it has an anti-theft system. Your rating data is sent automatically to multiple companies and they return quotes quickly.

To compare rates for a now, click here and find out if you can get cheaper insurance.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining whether you might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does car insurance cover theft of personal property?
  • When should I remove comp and collision on my 1994 Audi S4?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as hospital visits, ambulance fees, pain medications and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, falling objects and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your S4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

This provides protection from damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Be Smart and Buy Smart

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious 1994 Audi S4 insurance can be found both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. A few companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

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