2014 Audi S4 Car Insurance Rates – 8 Ways to Save

Want the cheapest insurance coverage rates for your Audi S4? Cutting costs on insurance coverage can be a challenge for consumers new to shopping for insurance online. You have so many choices that it can quickly become a lot of work to find lower rates.

Do you qualify for a discount?

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about before you get the savings.

  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for S4 coverage than drivers with accident claims.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing on their website.

It’s important to note that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

To see a list of companies with the best insurance discounts, click here.

What coverages do I need?

When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • What is the ISO rating for a 2014 Audi S4?
  • What can I do if my company won’t pay a claim?
  • Do I need more liability coverage?
  • Am I covered when delivering products for my home-based business?
  • Should I have combined single limit or split liability limits?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I have a commercial auto policy?
  • Is business equipment covered while in my vehicle?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Can switching companies really save?

Companies like State Farm and Allstate regularly use ads on television and other media. All the ads have a common claim of big savings if you move to their company. How do they all claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that makes them money. For instance, a preferred risk might be profiled as between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to these standards will have to pay higher premiums and this can result in business going elsewhere. The ads say “customers who switch” not “people who quote” save that much money. That is how companies can truthfully make those claims.

Because of the profiling, you need to quote coverage with many companies. It’s impossible to know which auto insurance company will have the lowest Audi S4 insurance rates.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include 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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as funeral costs, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, emergency aid and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

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

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, vandalism and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop. Compare. Save.

When shopping online for car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability coverage limits only to regret at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2014 Audi S4 insurance can be found online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Consumers change insurance companies for many reasons like delays in paying claims, policy non-renewal, lack of trust in their agent and unfair underwriting practices. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

Helpful resources