1993 Audi S4 Insurance Rates – 7 Discounts for Cheapest Quotes

Searching for cheaper insurance coverage rates for your Audi S4? Nobody looks forward to buying insurance coverage, particularly when the cost is too high. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every company and uncover the absolute cheapest price

If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to get lower rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Drivers just need to learn the proper methods to compare prices online.

Free Quotes for Insurance

Cutting your insurance rates is actually quite simple. All you need to do is spend a few minutes on the computer comparing rates from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating repetitive form submissions for every insurance company. A single, simple form will get you rate comparisons from all major companies.

A less efficient way to get comparison quotes is going to each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want rates from Nationwide, Esurance and State Farm. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least recommended method to get comparison rates is to drive around to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you require the personal advice of a local agent. Drivers can price shop online but still have the advice of a local agent and we’ll talk about that later.

Which method you use is up to you, but make sure you use identical coverages and limits with every price quote. If you compare different values for each quote you can’t possibly determine the best price for your Audi S4.

Discounts on 1993 Audi S4 insurance

Companies don’t always list all available discounts very well, so we break down both the well known as well as the least known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Accident Free – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on auto insurance on S4 coverage.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.

Drivers should understand that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of companies offering auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining if your situation may require specific advice.

  • How do I insure my teen driver?
  • Is pleasure use cheaper than using my 1993 Audi S4 to commute?
  • When should my teen driver be added to my policy?
  • Do I need replacement cost coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need replacement cost coverage on my 1993 Audi S4?
  • Should I get collision insurance on every vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Is my nanny covered when driving my vehicle?

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, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, nursing services, EMT expenses, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This protects you from damage that occurs to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi S4.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.