How Much Does 2014 Audi S4 Car Insurance Cost?

Searching for low-cost insurance for your Audi S4 can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare auto insurance rates so we’re going to tell you the quickest way to compare rates on a Audi and find the cheapest rates from both online companies and local agents.

Free insurance coverage quotes

Effectively comparing insurance coverage prices can be exhausting if you don’t understand the easiest way. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.

Many insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and every company returns a rated price based on that information. This saves time by eliminating quotation requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click here to start a free quote.

The single downside to using this type of form is you don’t know exactly the providers you want to price. If you prefer to choose from a list of companies to compare, we put together a list of insurance coverage companies in your area. Click to view list.

Whichever method you choose, do your best to enter exactly the same deductibles and coverage limits for every company. If you have different limits and deductibles on each one it’s not possible to make an equal comparison.

Discounts for cheaper insurance coverage rates

Companies offering auto insurance don’t list every policy discount in a way that’s easy to find, so below is a list a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • Auto/Life Discount – Larger companies have a small discount if you purchase a life policy as well.
  • Online Discount – Many larger companies will give you a small discount get insurance coverage digitally online.
  • Accident Forgiveness Coverage – Not really a discount, but a few companies such as GEICO, Allstate and Liberty Mutual will let one accident slide without the usual rate increase so long as you haven’t had any claims for a certain period of time.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Save with a New Car – Putting insurance coverage coverage on a new car can save up to 30% since new model year vehicles have better safety ratings.
  • Student Discounts – Being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

It’s important to understand that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce your insurance coverage premiums.

To choose companies who offer online insurance coverage quotes, follow this link.

Why your insurance rates might be higher

Multiple criteria are taken into consideration when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but others are not as apparent such as your marital status or how financially stable you are.When buying insurance coverage it’s important to understand some of the things that help determine insurance coverage rates. If you understand what determines base rates, this enables informed choices that could result in much lower annual insurance costs.

The factors shown below are a few of the things used by your company to calculate your rate level.

  • Rates may be lower depending on your employer – Careers such as doctorsair traffic controllers and medical professionals generally pay the highest average rates in part from high stress and lots of time spent at work. Other jobs like professors, engineers and performers have lower than average premiums for S4 insurance.
  • Keep premiums low by being claim-free – Car insurance companies award the best rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is designed for the large, substantial claims.
  • Multiple policies with one company – Lots of insurance companies provide lower prices for people that buy multiple policies in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you already get this discount, it’s in your best interest to comparison shop to help ensure you have the lowest rates.
  • Where you call home – Being located in less populated areas of the country can be a good thing when trying to find low car insurance rates. Lower population translates into fewer accidents in addition to fewer liability claims. People in densly populated areas tend to have more traffic problems and more severe claims. The longer drive time means higher likelihood of an accident.
  • Driver age impacts premiums – Inexperience drivers tend to be careless and easily distracted when driving with friends therefore insurance coverage rates are much higher. Having to add a beginning driver onto a policy can break the bank. More mature drivers have been proven to be more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • Extra coverages can cost a lot – There are a lot of additional coverages that can add up on your S4 policy. Things like roadside assistance, death and dismemberment, and extra life insurance coverage are some examples. They may seem good when buying your policy, but if you’ve never needed them in the past eliminate them to save money.
  • Drive lots and pay more – Driving a lot of miles each year the more you will pay for insurance coverage. A lot of companies apply a rate based upon how much you drive. Cars used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating is rated on the right rating data. An incorrectly rated S4 may be costing you.
  • Always keep your policy in force – Driving with no insurance is illegal and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance could result in fines or a revoked license. You may need to file a SR-22 with your state department of motor vehicles.

You may need specialized insurance coverage coverage

When choosing coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should deductibles be on a 2014 Audi S4?
  • Can my teen drive my company car?
  • Should I get collision insurance on every vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane 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’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, prosthetic devices, pain medications and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi S4.

Due to the fact that many 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.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, emergency aid, funeral expenses, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

And the best car insurance company is…

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, high prices and an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is not as difficult as it may seem.

When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Cost effective 2014 Audi S4 insurance can be purchased online in addition to many insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. Some insurance providers may not have rate quotes online and many times these regional carriers provide coverage only through independent insurance agencies.

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