How Much Does 2004 Audi S4 Insurance Cost?

Want cheaper auto insurance rates for your Audi S4? Trying to find cheaper insurance for an Audi S4 could be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to shop for auto insurance and you need to know the best way to quote coverages for your Audi and get the lowest price from local insurance agents and online providers.

Consumers should take time to get comparison quotes quite often since insurance prices are adjusted regularly by insurance companies. Even if you got the lowest price for S4 coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to save money, get proper coverage and the best rates.

Do you qualify for discount auto insurance?

Car insurance can cost a lot, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be applied at the time of purchase, but occassionally some discounts must be specially asked for before you get the savings. If you do not check that you are getting every discount possible, you are not getting the best rate possible.

  • Own a Home – Owning a home may trigger a policy discount on auto insurance since owning and maintaining a home requires personal responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Online Discount – Many companies may give you up to $50 for buying your policy over the internet.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Multi-line Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy life insurance from them.
  • Organization Discounts – Being a member of qualifying clubs or civic groups could earn you a nice discount on auto insurance.
  • Discount for Low Mileage – Low mileage vehicles may allow you to get better prices on cars that stay parked.
  • Defensive Driver – Completing a course teaching safe driver skills could possibly earn you a 5% discount and make you a better driver.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

If you would like to view companies who offer discounts, click here.

What insurance coverages do I need?

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • I don’t drive much so do I pay less?
  • Who is covered by my policy?
  • Do I need replacement cost coverage on my 2004 Audi S4?
  • What companies insure drivers after a DUI or DWI?
  • Is upholstery damage covered by car insurance?
  • Does my 2004 Audi S4 qualify for pleasure use?
  • Is extra glass coverage worth it?
  • How can I get high-risk coverage after a DUI?
  • What is the minimum liability in my state?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Will you really save $448 on insurance?

Drivers can’t get away from ads that claim the cheapest rates from the likes of Geico, State Farm and Progressive. They all seem to seem to make the promise that drivers can save some big amount just by moving your coverage.

How do they all save you money?

Insurance companies have a preferred profile for a prospective insured that earns them a profit. A good example of this type of insured may need to be over the age of 45, has a low-risk occupation, and insures a new vehicle. A customer getting a price quote who matches those parameters will get low rates and therefore will save if they switch.

Drivers who fall outside these criteria will see higher prices which leads to the customer buying from someone else. The wording the ads use say “people that switch” not “all people who quote” save that much when switching. That’s why insurance companies can claim big savings. Because of this risk profiling, you really should get insurance coverage quotes as often as possible. It’s not possible to predict which company will have the best rates at this point in time.

Coverages available on your car insurance policy

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2004 Audi S4.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverages – This will pay to fix damage to your S4 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as loss of income, medical services, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for prosthetic devices, surgery, hospital visits, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, a tree branch falling on your vehicle and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote often and quote early

Consumers leave their current company for many reasons like lack of trust in their agent, delays in paying claims, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

When buying insurance coverage, you should never buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage and learned later they didn’t have enough coverage. The aim is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you a lot of techniques to lower your 2004 Audi S4 insurance premium rates. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive insurance coverage. You may even find the most savings is with a lesser-known regional company.

Even more information can be read by following these links: