1992 Audi S4 Insurance Cost – 5 Ideas for Cheaper Prices

Are you tired of not being able to scrape enough together to keep your car insured? You are no different than millions of other people.

There are many insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to locate the cheapest rates.

You should take the time to do price comparisons before your policy renews because car insurance prices are variable and change quite frequently. Even if you got the best deal for S4 coverage a year ago there is a good chance you can find better rates now. You’ll find a ton of advice on car insurance on the internet, but in this article, you’re going to get some of the best techniques to find cheap car insurance.

The best way we recommend to compare insurance rates from multiple companies is to realize most insurance companies provide online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide information like an estimate of your credit level, level of coverage desired, driver ages, and how much education you have. Your details is submitted instantly to many highly-rated insurers and they respond with quotes instantly.

To check rates for your Audi S4 now, click here and complete the form.

Get lower-cost insurance coverage rates with discounts

Companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known discounts that you may qualify for.

  • Switch and Save Discount – Some larger companies provide a discount for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out life insurance from them.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for S4 coverage with select insurance companies.
  • One Accident Forgiven – Not necessarily a discount, but certain companies may permit one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Some of the larger companies that may offer quotes with most of the discounts above may include but are not limited to:

Before buying, ask all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of insurers that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • What happens if I owe more than my 1992 Audi S4 is worth?
  • Am I covered when using my vehicle for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Which is better, split liability limits or combined limits?
  • Should I have a commercial auto policy?
  • Should I buy full coverage?
  • If my 1992 Audi S4 is totaled, can I afford another vehicle?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, bail bonds, court costs, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This covers damage to your S4 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, dental work, pain medications, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.