How Much Does 2004 Audi S4 Insurance Cost?

Nobody I know looks forward to paying premiums for insurance, in particular when they are paying too much. Companies like Progressive, GEICO and Farmers Insurance promote their brand names with ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

How to get free auto insurance quotes online

Finding more affordable 2004 Audi S4 auto insurance rates can be relatively painless. Drivers just need to take a few minutes to compare free auto insurance quotes to see which company has the cheapest auto insurance quotes. This is very easy and can be done in just a few minutes using one of these methods.

The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quotes for each company. Taking the time to complete one form gets insurance cost estimates from multiple low-cost companies.

A harder way to get comparison quotes consists of going to each individual company website and request a quote. For examples sake, we’ll assume you are doing a rate comparison from Allstate, Liberty Mutual and Progressive. You would have to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.

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

You can choose any of those ways to find more affodable coverage, but make sure you are using exactly the same coverage data for every company. If your comparisons have unequal deductibles or liability limits you will not be able to determine the best price for your Audi S4.

Are you falling for claims of savings?

Consumers can’t escape the ads that claim the lowest premium rates from companies such as Allstate and Progressive. All the ads convey the message about how much you will save if you change your coverage.

That’s great but how can every company save you money? You have to listen carefully.

Auto insurance companies have strict underwriting profiles for the type of customer that earns them a profit. A good example of a desirable risk might have to be a mature driver, has a low-risk occupation, and drives less than 5,000 miles a year. Someone who meets those qualifications will most likely get cheap car insurance rates and will also save some money.

People who fall short of the “perfect” profile will have to pay more expensive rates which leads to the customer not buying. Company advertisements say “drivers that switch” not “everyone who quotes” save that much money. This is how insurance companies can confidently make those claims. Each company has different criteria, so you should compare as many free auto insurance quotes as you can. It’s not possible to predict the company that will give you the biggest savings.

What determines Audi S4 insurance rates?

Lots of factors are considered when quoting car insurance. Some are pretty understandable such as your driving record, but some are more transparent such as your marital status or your commute time.It’s important that you understand the rating factors that help calculate insurance coverage rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower insurance coverage prices.

The following are a few of the things insurance coverage companies consider when setting premiums.

  • Know your credit score – An insured’s credit score will be a significant factor in calculating your insurance coverage rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit score is not that good, you may save money insuring your 2004 Audi S4 by improving your rating.
  • Safer cars mean better rates – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you.
  • Increase physical damage deductibles to save – Comp and collision deductibles tell how much you are required to spend before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a stationary object, animal collisions, and having a roll-over accident. The more of the claim you’re willing to pay, the lower your rates will be on S4 insurance.
  • Policy add-ons add up – Policies have extra bells and whistles that can waste your money but may not be useful. Things like personal injury protection, high-cost glass coverage, and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • What are good liability limits? – Your policy’s liability coverage kicks in in the event that you are responsible for physical damage or personal injury to other. It will provide you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Age of drivers – Teenage drivers tend to be careless and easily distracted with other occupants in the car so they pay higher insurance coverage rates. Older insureds are proven to be safer behind the wheel, tend to file fewer claims and receive fewer citations.
  • Optional features can affect rates – Driving a car with an alarm system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Driving citations increase premiums – Drivers with clean records have lower premiums than bad drivers. Even one ticket could increase your next policy renewal by as much as twenty percent. Drivers who have gotten dangerous violations such as DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state DMV in order to legally drive.

Discounts can really help lower rates

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Some trigger automatically when you purchase, but some need to be specially asked for prior to receiving the credit.

  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally until age 25.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them with the same company you could save approximately 10% to 15%.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums on insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can get savings of 20% or more.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance Discount – Larger insurance companies have a discounted premium rate on car insurance if you buy life insurance.
  • Paperless Signup – A few insurance companies may give you up to $50 for buying your policy on the internet.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Some companies that have most of the discounts above include:

If you need lower rates, check with each company or agent the best way to save money. Discounts may not be offered everywhere. If you would like to see a list of insurance companies who offer insurance discounts, follow this link.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight whether your personal situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • How high should my medical payments coverage be?
  • What is no-fault insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Am I getting all the discounts available?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for an Audi S4

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, hitting a deer, hitting a bird and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as hospital visits, funeral costs and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Audi S4.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, hitting a mailbox, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, medical services, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Final thoughts

Budget-friendly car insurance can be sourced from both online companies and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and many times these small, regional companies sell through independent agents.

As you quote auto insurance, do not buy poor coverage just to save money. In many instances, consumers will sacrifice collision coverage only to regret that it was a big mistake. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

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