2012 Audi S4 Insurance Quotes – 9 Tips for Best Rates

Buyers have many options when searching for low-cost Audi S4 insurance. You can either waste hours driving around to compare prices or utilize the internet to find the lowest rates. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for your Audi and obtain the cheapest rates from local insurance agents and online providers.

It’s a great practice to do rate comparisons quite often because insurance prices change regularly. Just because you found the best rate on S4 insurance a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find great coverage at a great price.

Cheap insurance coverage quotes

There are multiple methods to compare insurance coverage prices but some are easier and takes less work. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use the internet to maximize your effort.

Many insurance companies belong to an insurance system where insurance shoppers complete one form, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to getting quotes like this is you don’t know exactly which companies you want pricing from. So if you want to select from a list of companies to compare, we have a listing of companies who write insurance coverage in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use the exact same quote information on every quote. If you compare different data it will be nearly impossible to determine the lowest rate for your Audi S4.

Lower rates by qualifying for these nine discounts

Some providers do not advertise every discount very well, so below is a list both the well known and the more hidden credits that may apply to you.

  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
  • Active Military Service – Having an actively deployed family member can result in better premium rates.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you may save nearly 15% which can help you find cheap car insurance.
  • Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared to drivers with a long claim history.
  • E-sign Discounts – A few insurance companies will discount your bill up to fifty bucks for completing your application digitally online.
  • Savings for New Vehicles – Insuring a new car can save up to 30% compared to insuring an older model.
  • Low Mileage Discounts – Low annual miles could earn lower auto insurancerates on the low mileage vehicles.
  • Driver Education Discount – Teen drivers should take driver’s ed class in school.
  • Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote car insurance on S4 insurance but check with your company.

Just know that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

Companies and some of the premium reductions they offer include:

  • State Farm has savings for safe vehicle, defensive driving training, passive restraint, accident-free, student away at school, driver’s education, and anti-theft.
  • Nationwide may include discounts for accident-free, business or organization, easy pay, multi-policy, and defensive driving.
  • Geico has discounts for driver training, seat belt use, anti-theft, defensive driver, anti-lock brakes, emergency military deployment, and five-year accident-free.
  • AAA policyholders can earn discounts including anti-theft, multi-car, good driver, education and occupation, AAA membership discount, and pay-in-full.
  • 21st Century offers discounts for 55 and older, automatic seat belts, anti-lock brakes, good student, early bird, and air bags.
  • The Hartford discounts include anti-theft, good student, defensive driver, driver training, bundle, and vehicle fuel type.

When quoting, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of auto insurance companies who offer free auto insurance quotes, follow this link.

Car insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Is my camper covered by my car insurance policy?
  • Does having multiple vehicles earn me a discount?
  • Do I need roadside assistance coverage?
  • Should I buy only the required minimum liability coverage?
  • Do I need replacement cost coverage?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Is there truth in advertising?

Consumers can’t escape the ads that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. All the ads advertise claims that you’ll save big if you switch your insurance coverage to their company.

How does every insurance company charge you less for car insurance? Here is the trick they use.

Insurance providers have a preferred profile for the type of customer that will add to their bottom line. A good example of this type of risk profile might have to be over the age of 50, insures multiple vehicles, and has excellent credit. Any customer that meets those criteria will probably get cheap rates and will pay quite a bit less when switching companies.

Insureds who don’t qualify for those criteria may receive a higher rate with the end result being the customer buying from a different company. The ads state “people who switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can confidently make it sound like they have such great car insurance rates. Because every company is different, drivers should get car insurance quotes from several different companies. It’s just too difficult to predict the company that will have the lowest rates.

Auto insurance 101

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, medical expenses, structural damage, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects and hitting a deer. The most a 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 consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your S4 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for surgery, ambulance fees, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

More comparisons equals lower rates

When searching for inexpensive car insurance quotes, never buy poor coverage just to save money. In many instances, someone dropped full coverage and discovered at claim time that it was a big error on their part. The goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

Cost effective 2012 Audi S4 insurance is possible both online as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies may not have the ability to get quotes online and many times these small insurance companies only sell coverage through independent agents.

Drivers change insurance companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, delays in paying claims and denial of a claim. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

For more information, link through to the following helpful articles: