View 2011 Audi S4 Insurance Quotes

Consumers who are new to the process of buying insurance online will discover purchasing the cheapest auto insurance is harder than they anticipated.

How to Get Car Insurance

When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. One of the best ways to find the cheapest 2011 Audi S4 insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This form saves time by eliminating separate forms for each company. One simple form gets you price quotes from all major companies. It’s the fastest way to compare.

A slightly less efficient method to compare rate quotes requires a visit to each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want rates from Progressive, State Farm and Travelers. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The least recommended method of comparing rate quotes is to spend your day driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional advice of a local agent. Drivers can obtain prices from the web but still have the advice of a local agent and you’ll learn how to do that later.

Whichever method you choose, compare identical information with every price quote. If your comparisons have mixed coverages it will be next to impossible to decipher which rate is best. Having just a slight variation in limits could mean much higher rates. It’s important to know that comparing more company’s prices will increase your chances of finding the best price.

Don’t miss these discounts

Companies offering auto insurance don’t always publicize every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known insurance coverage savings.

  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Claim Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for S4 coverage than their less cautious counterparts.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance coverage rates for S4 coverage.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Double check with all companies you are considering how you can save money. Some discounts might not be offered in your state.

When might I need help?

When buying proper insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions may help highlight if you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Am I covered when delivering products for my home-based business?
  • Is my cargo covered for damage or theft?
  • Are rock chip repairs covered?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why is insurance for a teen driver so high?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages for a 2011 Audi S4

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi S4.

Since a lot of drivers 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 is important protection for you and your family.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hail damage and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, surgery, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage