Vehicles > Audi > S4

Audi S4 Insurance Cost

Drivers have lots of options when finding cheaper insurance coverage on your Audi vehicle. You can buy direct from an agent or go online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, plus you can save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways of comparing rates and find the best price. The easiest way by far to find competitive Audi S4 insurance rates is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by the following

Car insurance premiums for your Audi S4 can vary widely depending on several factors. Including but not limited to:

  • Higher performance S4 vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • Insurance coverage level
  • Home ownership saves money

An additional factor which can affect Audi S4 insurance cost is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair may result in lower rates. Although newer vehicles may have safety features included like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which can give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your S4 from the list below.

Auto liability

This coverage can cover damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision protection

This covers damage to your Audi resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper Audi S4 insurance cost.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Audi S4 Insurance Rates?