2006 Audi S4 Insurance Rates – 8 Savings Tips

If you’re looking for lower-cost insurance online, do you get frustrated by the crazy number of insurance sources that you can choose from? You’re not alone. Consumers have such a vast assortment of sources available that it can turn into a difficult situation to find better prices.

It’s a good habit to compare prices as often as possible because rates change regularly. Just because you found the lowest premium rates on S4 insurance a few years ago a different company probably has better prices today. Block out anything you think you know about insurance because it’s time to teach you the fastest way to save on insurance.

The quickest way to get rate comparisons is to know the fact car insurance companies provide online access to give you rate quotes. All you need to do is provide a small amount of information like the ages of drivers, if a SR-22 is required, if you lease or own, and level of coverage desired. Your details is then sent to insurance carriers in your area and you will get price comparisons very quickly.

To find the cheapest Audi S4 insurance rates, click here and see if a lower rate is available.

Get cheap rates by getting these eight discounts

Companies that sell car insurance don’t always publicize every discount they offer in a way that’s easy to find, so the following list contains some of the best known and the harder-to-find credits available to you.

  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on S4 insurance with certain companies.
  • Driving Data Discount – Insureds who allow their insurance company to monitor driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of more than 20%.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
  • Drivers Ed for Students – Teen drivers should enroll and complete driver’s education if offered at their school.
  • Early Signing – Some insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Paperless Signup – Some of the larger companies will give you a small discount just for signing your application on your computer.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurers that offer discounts, follow this link.

Your insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I break a side mirror?
  • Is my teenager covered with friends in the car?
  • Should I have a commercial auto policy?
  • How can I find cheaper teen driver insurance?
  • How many claims can I have before being cancelled?
  • What is PIP insurance?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi S4.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like surgery, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles, medical expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision protection

This coverage covers damage to your S4 from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, rock chips in glass and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

In any little way, save everyday

As you shop your coverage around, do not skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best possible price.

We covered a lot of information how to save on 2006 Audi S4 insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheap insurance coverage. You may be surprised to find that the biggest savings come from a lesser-known regional company.

A few companies do not provide rate quotes online and many times these smaller providers provide coverage only through independent agents. Budget-friendly insurance can be purchased online and from local agencies, so you need to compare both so you have a total pricing picture.

Additional insurance information can be found at the links below