2013 Audi S4 Insurance Quotes

Saving money on Driversauto insurance is difficult for people who are new to online insurance quotes. Consumers have so many different companies and agents to choose from that it can easily become a real hassle to locate the lowest price.

It’s a great practice to do price comparisons once or twice a year because auto insurance prices are variable and change quite frequently. If you had the best deal for S4 coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the tricks you need to know to reduce your cost while increasing coverage.

How much does auto insurance cost?

When looking for cheap auto insurance quotes, there are a couple ways to compare quotes from different insurance companies. One of the best ways to find the lowest 2013 Audi S4 rates is to jump online and get quotes. This is quite simple and can be completed using a couple different methods.

  • One of the best ways consumers can analyze rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating a different quote for every prospective company. In just a few minutes this one form gets rate comparisons direct from many companies.It’s the quickest way to get rates.
  • A slightly less efficient method to get quotes online requires a visit to each individual company website and request a quote. For examples sake, let’s assume you need rates from Farmers, Safeco and Progressive. To get rate quotes you would need to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but ensure you are comparing the same coverage limits on every quote. If you compare differing limits you can’t possibly determine the lowest rate for your Audi S4. Even a minor difference in coverages may result in a large different in cost. Keep in mind that making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so you need to compare prices from the smaller companies as well.

Discounts to earn cheap auto insurance rates

The cost of insuring your cars can be expensive, but there may be some discounts that you may not even know about. A few discounts will be applied when you purchase, but lesser-known reductions have to be inquired about before being credited.

  • Save with a New Car – Putting insurance coverage on a new car can get you a discount because newer models keep occupants safer.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could save as much as 10 to 15 percent.
  • Professional Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
  • Online Discount – Many companies give back up to $50 for buying your policy on their website.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save a little on the medical payments or PIP coverage costs.
  • Accident-Free Discounts – Claim-free drivers pay much less in comparison with insureds who have frequent claims or accidents.

Please keep in mind that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

To see a list of providers that offer multiple discounts, click here.

Learn how to lower your insurance prices

An important part of buying insurance is that you know the different types of things that help calculate the rates you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that may reward you with lower rates. Many different elements are used in the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are not as apparent like your vehicle usage or how safe your car is.

  • Consolidate home and auto and save – Lots of insurance companies will award better rates to people who consolidate policies with them in the form of a multi-policy discount. This can amount to ten percent or more. Even if you already get this discount, you still need to comparison shop to help guarantee you have the best rates. Drivers may still save even more than the discount by buying insurance from more than one company.
  • No coverage gaps is important – Not having insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, failure to provide proof of insurance could earn you fines or a revoked license.
  • Small claims can cost you – Auto insurance companies give most affordable rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Gals tend to cost less – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females get in at-fault accidents at a similar rate, but the males have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive car insurance rates.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does having multiple vehicles earn me a discount?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does coverage extend to my business vehicle?
  • What happens if I owe more than my 2013 Audi S4 is worth?
  • Is my babysitter covered when using my vehicle?
  • When should I buy a commercial auto policy?
  • Does my 2013 Audi S4 need full coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Big brands don’t always mean big savings

Popular car insurance providers such as Progressive, Allstate and Geico consistently run television and radio advertisements. They all try to convey promises that you’ll save big if you move your coverage. How can each company cost less than your current company? Here is how they do it.

All companies give the cheapest rates for a prospective insured that earns them the most money. For instance, a profitable insured should be over age 30, has no claims, and drives a safe vehicle. A propective insured who matches that profile receives the best auto insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

Insureds who fall outside the requirements will be charged more expensive rates with the end result being the prospect going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can make claims like that. Each company has different criteria, so drivers should do a price quote comparison at every renewal. It is impossible to predict which car insurance company will provide you with the cheapest prices.

Car insurance coverage breakdown

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like attorney fees, legal defense fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, theft and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for pain medications, hospital visits and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

You can do this!

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, high prices, extreme rates for teen drivers or even delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

You just learned quite a bit of information on how to reduce 2013 Audi S4 insurance auto insurance rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheaper auto insurance. You may even find the lowest priced car insurance comes from some of the lesser-known companies.

There are still a few companies who may not provide online quoting regional carriers prefer to sell through local independent agencies. Lower-priced 2013 Audi S4 insurance can be bought from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture.

Much more information about car insurance can be read on the following sites: