Save on 2009 Audi S4 Insurance Quotes

Finding more affordable coverage rates for insurance coverage might be very difficult for drivers new to online insurance quotes. With more and more companies, it can easily become a burden to compare coverage rates.

Consumers should take time to take a look at other company’s rates periodically since insurance prices change quite often. Just because you found the best deal on S4 insurance at your last renewal the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Shopping for more affordable insurance is simple if you know the tricks. But consumers must understand how companies market insurance on the web and take advantage of how the system works.

Compare quotes for auto insurance

Most of the larger companies make it easy to get coverage price quotes from their websites. Comparing rates online is fairly simple as you just enter the amount of coverage you want on the page. Behind the scenes, the quote system automatically orders reports for credit and driving violations and quotes a price.

Online quotes simplifies rate comparisons, but the process of having to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s necessary to have as many quotes as possible in order to find the lowest possible prices on auto insurance.

Online rates the easy way

The easiest way to locate the lowest prices is to use a quote form to get prices from several companies at one time. It saves time, reduces the work, and makes price shopping online much more enjoyable. As soon as the form is sent, it is quoted and you are able to buy any one of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. This process can be completed in a matter of minutes and could lower your rates considerably.

To save time and find out what other companies charge, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in exactly as shown on your declarations page. Doing this guarantees you will have rate quotes based on identical coverages.

Discounts to earn lower-cost car insurance rates

Companies offering auto insurance don’t always advertise every discount very well, so the list below contains both the well known in addition to some of the lesser obvious discounts that may be available.

  • Save with More Vehicles Insured – Buying insurance for multiple vehicles on one policy can get a discount for every vehicle.
  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.
  • Pay Now and Pay Less – By making one initial payment instead of paying each month you can actually save on your bill.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – Older drivers can get a discount up to 10% on S4 insurance.
  • Responsible Driver Discount – Safe drivers may receive a discount up to 45% on S4 insurance as compared to drivers with claims.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Defensive Driver Discounts – Taking part in a course in defensive driving could possibly earn you a 5% discount if you qualify.

Remember that some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

A list of companies and their possible discounts can be found below.

  • Esurance offers discounts including defensive driver, online quote, emergency road assistance, anti-lock brakes, and Pac-12 alumni.
  • The Hartford has savings for bundle, good student, anti-theft, defensive driver, and air bag.
  • AAA may have discounts that include multi-policy, good student, good driver, anti-theft, pay-in-full, and education and occupation.
  • GEICO offers discounts for military active duty, air bags, membership and employees, federal employee, and good student.
  • State Farm includes discounts for student away at school, accident-free, driver’s education, Drive Safe & Save, safe vehicle, good driver, and anti-theft.

It’s a good idea to ask each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To find insurers who offer cheap car insurance quotes, click this link.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation may require specific advice.

  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • Is upholstery damage covered by car insurance?
  • How much can I save by bundling my policies?
  • Do I pay less if my vehicle is kept in my garage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Cut insurance costs with these tips

It’s important that you understand some of the things that come into play when calculating your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in cheaper rates.

The following are a few of the “ingredients” insurance coverage companies consider when setting your prices.

  • Extra policy coverages may be wasting money – There are quite a few optional add-on coverages that sound like a good idea at the time on your S4 policy. Coverages like coverage for rental cars, better glass coverage, and extra life insurance coverage are probably not needed. They may sound like good ideas when deciding what coverages you need, but if you have no use for them remove them from your policy.
  • Deter vehicle theft – Buying a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Increase physical damage deductibles to save – Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Audi. Some coverage claims are a broken windshield, hitting a deer, and having your car stolen. The deductibles are the amount of money you are required to pay if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the less your insurance coverage will be on S4 insurance.
  • With age comes responsibility – Mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.Inexperience drivers have a tendency to be more careless with other occupants in the car so insurance coverage rates are higher.
  • Where do you drive? – The more you drive your Audi annually the higher the price you pay to insure it. Most companies rate vehicles based on their usage. Cars left parked in the garage can be on a lower rate level than those that get driven frequently. An improperly rated S4 may be wasting your money. It’s a smart idea to ensure your policy correctly shows the correct usage for each vehicle.

Specific coverages for a 2009 Audi S4

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, falling objects, fire damage and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for dental work, ambulance fees, X-ray expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Audi S4.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for liability

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like emergency aid, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Shop Smart and Save

Throughout this article, we presented many tips how you can shop for 2009 Audi S4 insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company.

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, delays in paying claims or high prices. Whatever your reason, finding the right car insurance provider is actually quite simple.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

More information can be found at these links: