2015 Audi S4 Car Insurance Cost – 10 Tricks for Best Prices

Looking for lower auto insurance rates for your Audi S4? Are you a victim of high-priced auto insurance? Believe me, there are lots of people in the same boat. Because there are so many insurance providers from which to choose, it can be challenging to pick the lowest price car insurance company.

It’s a good habit to shop coverage around every six months because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on S4 coverage two years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

How much can you save with these ten discounts?

Companies don’t always advertise every discount very clearly, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.

  • Homeowners Discount – Owning a house can save you money because owning a home is proof that your finances are in order.
  • No Claims – Good drivers with no accidents pay less when compared with bad drivers.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on S4 coverage than their less cautious counterparts.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraints – Vehicles with factory air bags can get savings of more than 20%.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with discount insurance coverage rates, click this link.

The quickest method to get rate comparisons utilizes the fact all the major auto insurance companies participate in online systems to compare their rates. The one thing you need to do is provide details such as the ages of drivers, the year, make and model of vehicles, how much you drive, and whether you are single or married. The data is sent automatically to multiple top-rated companies and you receive quotes quickly.

To get price quotes for your Audi S4 , click here and see if a lower rate is available.

How much car insurance do I need?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Do I pay less for low miles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to buy a different vehicle if my 2015 Audi S4 is totaled?
  • Do I need rental car coverage?
  • Should I have a commercial auto policy?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield, damage from flooding, hail damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays for damage to your S4 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverages

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, funeral expenses, medical expenses and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi S4.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, surgery, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Do the work, save more money

Throughout this article, we presented quite a bit of information on how to save on 2015 Audi S4 insurance. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest premiums are with a smaller regional carrier. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

Lower-priced insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide online quoting and these regional insurance providers work with independent agents.

More detailed car insurance information can be found at these sites: