2015 Audi S4 Insurance Rates

I can’t think of anyone who rejoices having to buy car insurance, in particular when they are paying too much. Drivers have so many auto insurance companies to pick from, and although it’s nice to have a selection, more choices can make it harder to compare rates and cut insurance costs.

Smart consumers take time to compare prices at least once a year since prices trend upward over time. Despite the fact that you may have had the lowest price for S4 insurance a couple years back a different company probably has better rate quotes today. Block out anything you think you know about car insurance because you’re about to find out the best way to find better coverage at a better price.

Finding the cheapest insurance is not that difficult. If you have insurance now or need new coverage, you can use this information to cut your premiums while maximizing coverage. Vehicle owners only need to know the most effective way to compare rates online.

How to get free insurance quotes online

Finding low cost insurance rates is actually quite simple. The only thing you need to do is spend a little time to get quotes to discover which company has affordable insurance quotes. It’s super easy and can be done in several different ways.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotation requests for each price estimate. One quote request gets rate comparisons from multiple low-cost companies.

A less efficient way to shop for insurance online requires visiting each company website and fill out their own quote form. For instance, let’s say you want comparison quotes from USAA, Liberty Mutual and Travelers. You would be required to visit each site and repeatedly enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The old school method to get comparison rates to and from local insurance agencies. Quoting and buying insurance online eliminates the need for an insurance agent unless your situation requires the personal advice only provided by licensed agents. It is possible to price shop online but still have the advice of a local agent.

Compare rates however you want, just double check that you are using exactly the same coverages for every company. If you are comparing different data you can’t possibly determine which company has the best rates.

Discounts for affordable auto insurance rates

Car insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the following list contains a few of the more common as well as some of the hidden auto insurance savings.

  • Accident-Free Discounts – Claim-free drivers pay less when compared with frequent claim filers.
  • Multiple Policy Discount – If you combine your auto and home policies with one company you could get a discount of at least 10% off all policies.
  • Telematics Discount – People who choose to allow their auto insurance company to scrutinize driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they are good drivers.
  • Low Mileage – Driving fewer miles may enable drivers to earn lower auto insurancerates on the low mileage vehicles.
  • Homeowners Discount – Owning a house can help you save on auto insurance because of the fact that having a home shows financial diligence.

Drivers should understand that most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But any discount will help lower the cost of coverage.

The best auto insurance companies and the discounts they provide are:

  • Progressive has savings for continuous coverage, multi-policy, online signing, online quote discount, and good student.
  • Farmers Insurance offers discounts for bundle discounts, switch companies, distant student, multi-car, and pay in full.
  • Farm Bureau may have discounts that include youthful driver, 55 and retired, renewal discount, good student, and safe driver.
  • State Farm may offer discounts for accident-free, Drive Safe & Save, passive restraint, multiple autos, student away at school, and anti-theft.
  • GEICO offers premium reductions for anti-lock brakes, air bags, driver training, multi-policy, anti-theft, multi-vehicle, and federal employee.
  • SAFECO has discounts for homeowner, anti-lock brakes, multi-car, accident prevention training, teen safety rewards, teen safe driver, and anti-theft.
  • Liberty Mutual includes discounts for newly retired, good student, preferred payment discount, new graduate, and hybrid vehicle.

Check with every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in your area. To locate auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Learn how to lower your insurance costs

When buying auto insurance it’s important to understand some of the elements that play a part in calculating your premiums. When you understand what impacts premium levels, this helps enable you to make changes that can earn you lower premium levels.

The list below includes some of the factors used by your company to calculate your prices.

  • Policy add-ons add up – There are quite a few add-on coverages that sound like a good idea at the time but may not be useful. Things like vanishing deductibles, towing, and extra life insurance coverage may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • With age comes responsibility – Teen drivers are proven to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a youthful driver onto a policy can be very expensive. Older people are viewed as being more responsible, tend to file fewer claims , and are generally more financially stable.
  • Long commutes cost more – Driving a lot of miles in a year the higher your rates will be. A lot of insurance companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting receive better premium rates compared to those used for work or business. A policy that improperly rates your S4 is throwing money out the window. Make sure your auto insurance policy properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Know your vehicle’s safety rating – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries means less claims paid and more competitive rates for policyholders.
  • An active policy claims history can cost more – Companies give better rates to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Auto insurance is designed for more catestrophic claims.
  • No auto insurance gaps is important – Having a gap between insurance policy dates can be a quick way to pay more for auto insurance. Not only will rates go up, being ticketed for driving with no insurance can result in fines or a revoked license.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are rock chip repairs covered?
  • Do I have newly-aquired coverage?
  • Is a fancy paint job covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Does insurance cover damages from a DUI accident?
  • When should I not file a claim?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance myths debunked

Drivers can’t ignore all the ads for cheaper insurance from companies such as State Farm and Allstate. All the companies convey the message of big savings just by switching your policy.

How do they all say the same thing? It’s all in the words they use.

Many companies have specific characteristics for the type of driver that will be a good risk. One example of this type of driver could be between the ages of 40 and 55, carries high limits, and has a high credit rating. A customer who matches that profile is entitled to the best price and most likely will cut their rates substantially.

People who don’t measure up to those standards will probably have to pay higher premiums which results in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can make those statements.

Because of these techniques, it is so important to get insurance quotes as often as possible. It’s not possible to predict which insurance company will have the lowest prices for your situation.

Insurance specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, vandalism and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your S4 resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, driving through your garage door, rolling your car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability – This will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, court costs, loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, ambulance fees, nursing services, surgery and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Final considerations

We just presented quite a bit of information on how to get a better price on 2015 Audi S4 insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding low cost insurance. Consumers may even find the biggest savings come from the least-expected company. They may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.

As you quote insurance, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

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