How Much Does 2011 Audi S4 Insurance Cost?

Looking for the cheapest car insurance rates for your Audi S4? Have you finally had enough of not being able to afford to make your car insurance payment? You have the same problem as many other drivers. Companies like GEICO, Progressive and Allstate persitently shower you with TV and radio ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

How to compare auto insurance quotes

Performing a rate comparison can take time and effort if you don’t understand the easiest way. You can spend your afternoon talking to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Many insurance companies enroll in a system where prospective buyers complete one form, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The only downside to using this type of system is you can’t choose which carriers you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but try to use identical deductibles and coverage limits on every price quote you get. If you are comparing unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Save with these discounts

Car insurance is not an enjoyable expense, but there are discounts available that can help lower your rates. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked for before they will apply. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
  • Discount for Low Mileage – Low annual miles could qualify for substantially lower premium rates.
  • 55 and Retired – Seniors may receive lower premium rates on S4 coverage.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because newer vehicles are generally safer.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more and also improve your driving technique.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts should help reduce your overall premium however.

Larger car insurance companies and a partial list of their discounts are:

  • GEICO may offer discounts for military active duty, multi-policy, air bags, daytime running lights, multi-vehicle, good student, and anti-lock brakes.
  • Mercury Insurance offers discounts including multi-policy, multi-car, location of vehicle, professional/association, and good student.
  • Farmers Insurance may include discounts for youthful driver, good student, mature driver, early shopping, business and professional, homeowner, and multi-car.
  • Auto-Owners Insurance policyholders can earn discounts including anti-theft, mature driver, student away at school, paperless, safe vehicle, anti-lock brakes, and good student.
  • Liberty Mutual offers discounts for exclusive group savings, teen driver discount, hybrid vehicle, new graduate, preferred payment discount, multi-policy, and new move discount.
  • SAFECO discounts include homeowner, anti-lock brakes, multi-car, bundle discounts, and accident prevention training.
  • Progressive includes discounts for homeowner, online quote discount, good student, multi-policy, online signing, and continuous coverage.
  • USAA has savings for multi-vehicle, family discount, defensive driver, annual mileage, good student, multi-policy, and military installation.

Double check with each company which discounts they offer. Some discounts may not be available in every state. To find insurance companies who offer discounts, click here to view.

Special considerations

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Should I put collision coverage on all my vehicles?
  • Should I rate my 2011 Audi S4 as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi S4.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

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

Comprehensive insurance covers things such as hitting a bird, falling objects, damage from a tornado or hurricane, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, X-ray expenses, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage protects you from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, court costs, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Quote more, save more

Throughout this article, we presented quite a bit of information on how to get a better price on 2011 Audi S4 insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest car insurance rates come from the smaller companies. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm and Allstate.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage only to regret at claim time that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

More learning opportunities