Lower Your 2008 Audi RS 4 Car Insurance Quotes

Looking for cheaper insurance rates for your Audi RS 4? No normal person is fond of buying insurance, particularly when they could find better prices if they shop around.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate persitently shower you with advertising and it can be hard to ignore the flashy ads and find the best price available.

It is always a good idea to check insurance prices quite often since prices are rarely the same from one policy term to another. Just because you had the best deal on RS 4 coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the best way to get rate quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company can provide price quotes for coverage. This prevents consumers from doing quotation requests for each company.

To submit your quote information now, click to open in new window.

The only drawback to doing it this way is that you can’t choose the companies to get quotes from. If you wish to select specific providers for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever method you choose, be sure you’re using apples-to-apples quote data for each price quote. If the quotes have different deductibles it will be very difficult to determine the lowest rate for your Audi RS 4. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that getting more free quotes increases your odds of finding more affordable insurance. Not every company provides prices over the internet, so you need to compare price quotes from them, too.

Earn discounts on car insurance

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the list below details a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on RS 4 coverage with select insurance companies.
  • Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies allow you one accident without the usual rate increase so long as you are claim-free for a set time period.
  • Senior Discount – If you qualify as a senior citizen, you could receive reduced rates on RS 4 coverage.
  • Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates on RS 4 coverage as compared to drivers with claims.
  • Multiple Vehicles – Buying a policy with all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Telematics Data – Drivers who agree to allow their car insurance company to study driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates as long as the data is positive.
  • Multi-line Discount – Larger companies have a discounted rate on car insurance if you buy auto and life insurance together.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates due to less chance of an accident.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.

A list of companies and their possible discounts are outlined below.

  • Geico has discounts for membership and employees, good student, seat belt use, air bags, anti-theft, driver training, and emergency military deployment.
  • Auto-Owners Insurance policyholders can earn discounts including mature driver, multiple vehicles, paperless, paid in full, safe vehicle, and safe driver.
  • American Family may offer discounts for TimeAway discount, good student, multi-vehicle, mySafetyValet, accident-free, and defensive driver.
  • Esurance may have discounts that include paid-in-full, homeowner, multi-car, Pac-12 alumni, and good student.
  • Progressive offers discounts including online quote discount, multi-vehicle, online signing, homeowner, and continuous coverage.
  • State Farm has savings for multiple autos, multiple policy, accident-free, Drive Safe & Save, good student, and student away at school.
  • AAA offers discounts for AAA membership discount, education and occupation, multi-policy, good student, anti-theft, multi-car, and pay-in-full.

If you need lower rates, check with every prospective company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • What is high-risk coverage and where do I buy it?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Smart consumers can reduce insurance rates

Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious such as your marital status or your financial responsibility.Consumers need to have an understanding of the rating factors that are used to determine the rates you pay for insurance. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to big savings.

Shown below are a few of the things used by insurance companies to determine rates.

  • Eliminate add-on coverages – Insurance companies have many additional coverages that may not really be needed if you aren’t diligent. Insurance for things like rental car reimbursement, towing coverage, and term life insurance are examples of these. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Obey driving laws and save – Having a single moving violation may increase your cost substantially. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who have gotten severe citations like DUI or willful reckless driving are required to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive.
  • Get married and get cheaper costs – Having a spouse may earn you lower rates on your policy. Having a spouse translates into being more mature than a single person and statistics show married couples file fewer claims.
  • Can a thief steal your car? – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.
  • Costs impacted by your city – Choosing to live in areas with lower population is a positive aspect when buying insurance. Drivers in populated areas regularly have congested traffic and higher rates of accident claims. Less people translates into fewer accident claims and a lower car theft rate.

Insurance coverage advertisements

Respected companies like Geico, State Farm and Progressive consistently run ads in print and on television. All the ads tend to make the same promise about how much you will save just by switching your coverage. How is it plausible that every one can lower your premium rates?

Insurance coverage companies have specific characteristics for the driver that earns them a profit. An example of this type of insured could be over the age of 50, has few claims, and the vehicle is rated for pleasure use. Anyone who fits that profile receives the best rates and will probably save when switching.

Potential customers who don’t measure up to this stringent profile will see a more expensive rate and this results in the driver buying from a lower-cost company. The ads say “customers who switch” not “all people who quote” will save that much if they switch. That’s the way companies can truthfully advertise the way they do.

Because every company is different, you really should do a rate comparison at every renewal. You cannot predict which company will provide the lowest rates.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird, falling objects, hail damage and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage pays for damage to your RS 4 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for rehabilitation expenses, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

This coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, loss of income and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

At the end of the day…

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage only to regret that the small savings ended up costing them much more. The goal is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

We’ve covered quite a bit of information on how to shop for 2008 Audi RS 4 insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.

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