Lower Your 2013 Audi S4 Insurance Rates

Paying for high-priced Audi S4 insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is a smart way to help make ends meet. You have so many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, it makes it harder to locate the cheapest rates.

Quick Insurance Coverage Quotes

Finding a better price on insurance coverage is surprisingly easy. The only thing you need to do is spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate forms for each company you want a rate for. A single, simple form will return price quotes from multiple low-cost companies.

A slightly less efficient method to obtain and compare quotes online is to take the time to go to each individual company website and fill out their own quote form. For example, let’s assume you want comparison quotes from Allstate, Geico and State Farm. To get each rate you have to visit each site and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

Whichever way you use, compare the exact same quote information with each company. If you enter different deductibles it will be impossible to determine which rate is truly the best.

Cut prices on Audi S4 insurance

Companies do not advertise every available discount very well, so we took the time to find some of the best known and also the lesser-known insurance savings. If you don’t get every credit available, you are paying more than you should be.

  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • Distant Student – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for S4 coverage than their less cautious counterparts.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Bundle and Save – If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates for S4 coverage.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, companies wouldn’t make money that way.

To see a list of insurers with the best insurance discounts, follow this link.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out if your situation might need professional guidance.

  • Is my 2013 Audi S4 covered for flood damage?
  • If my pet gets injured in an accident are they covered?
  • Should I drop comprehensive coverage on older vehicles?
  • What happens if I owe more than my 2013 Audi S4 is worth?
  • When can my company non-renew my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Do I benefit by insuring my home with the same company?
  • Is a fancy paint job covered?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Factors that can influence insurance rates for an Audi S4

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that can help you get lower auto insurance prices.

  • Do you have enough liability coverage? – Liability coverage is the protection when a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Where you live – Living in less populated areas is a positive aspect when buying auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Proper usage rating affects rates – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your S4 can result in significantly higher rates.
  • Frequent auto insurance claims increase rates – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Companies award better rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Do you work long hours in a high stress job? – Careers like doctors, business owners and dentists tend to pay the highest average rates attributed to stressful work requirements and long work days. Other jobs such as actors, historians and retirees have the lowest average rates for S4 coverage.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that can waste your money on your S4 policy. Things like rental car reimbursement, accident forgiveness and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Audi earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Insurance coverage basics

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages – Comprehensive insurance coverage 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 such as damage from flooding, damage from getting keyed, hitting a bird, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, funeral costs, nursing services and X-ray expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, 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 commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like court costs, medical services, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

More quotes. Lower rates.

We covered a lot of techniques to reduce 2013 Audi S4 insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the smaller companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Lower-priced insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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