2013 Audi S4 Car Insurance Cost – 8 Ways to Save

Are you drained from sacrificing other expenses to buy car insurance? You are no different than millions of other drivers. Many car insurance companies vie for your business, so it can be very hard to choose a company to find the absolute cheapest price

If you have a current insurance policy or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers only need to know the proper methods to compare prices online.

Finding car insurance

Reducing your 2013 Audi S4 insurance rates is a fairly straight forward process. Consumers just need to take a couple of minutes to compare free insurance coverage quotes from some recommended companies. Price comparisons can be done by using one of the methods below.

  1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate forms to each individual car insurance company. One simple form gets coverage cost estimates from all major companies.
  2. A more time consuming way to find lower rates requires a trip to each company website and fill out a new quote form. For example, let’s assume you want to compare prices for Allstate, GEICO and Liberty Mutual. You would be required to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using apples-to-apples coverages and limits for each comparison quote. If you compare unequal deductibles or liability limits you will not be able to determine which company has the best rates.

Get cheap insurance with discounts

Insurance is not inexpensive, but there could be available discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for prior to getting the savings.

  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially as compared to drivers who are more careless.
  • Multiple Cars – Buying a policy with all your vehicles on the same insurance policy can get a discount on all vehicles.
  • Driving Data Discount – People who choose to allow companies to spy on driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as the data is positive.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like State Farm, Progressive and GEICO may permit one accident before they charge you more for coverage if you have no claims for a certain period of time.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get reduced rates on S4 insurance.
  • Defensive Driver Discounts – Participating in a defensive driver course is a good idea and can lower rates and also improve your driving technique.
  • Own a Home and Save – Owning a home can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same company you will save 10% to 20% off each policy.

Don’t be surprised that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount should definitely cut the cost of your policy.

Popular insurance companies and a selection of discounts are outlined below.

  • Farmers Insurance offers premium reductions for distant student, teen driver, pay in full, homeowner, bundle discounts, and alternative fuel.
  • State Farm offers discounts for driver’s education, passive restraint, accident-free, good driver, anti-theft, multiple autos, and multiple policy.
  • Liberty Mutual may offer discounts for new vehicle discount, good student, teen driver discount, exclusive group savings, safety features, multi-car, and newly married.
  • MetLife may have discounts that include accident-free, multi-policy, good student, good driver, defensive driver, and claim-free.
  • Progressive may include discounts for multi-policy, homeowner, multi-vehicle, good student, and continuous coverage.

Double check with every prospective company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your area. To see companies who offer cheap insurance quotes, follow this link.

Tailor your insurance coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • Are split liability limits better than a combined single limit?
  • Do I need rental car coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage if my license is suspended?
  • Can I afford low physical damage deductibles?
  • Can I rent a car in Mexico?
  • Can I still get insurance after a DUI?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Audi S4.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability coverages – This coverage provides protection from damage that occurs to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like structural damage, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, X-ray expenses, hospital visits, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, falling objects, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Get your money’s worth

When you buy insurance coverage online, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Low-cost 2013 Audi S4 insurance is attainable from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and these smaller companies work with independent insurance agencies.

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