View 2014 Audi S4 Car Insurance Rates

Finding the cheapest insurance for a new or used Audi S4 can normally be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage for your Audi and locate the best price possible either online or from local insurance agents.

Consumers should take time to compare premium rates as often as possible because insurance rates are constantly changing. Even if you think you had the best premium rates for S4 insurance at your last renewal you may be paying too much now. There is too much inaccurate information about insurance coverage online, but in just a couple of minutes you can learn some guaranteed methods to slash your insurance coverage rates.

If you have a current insurance policy or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Pricing affordable insurance coverage is simple if you know the tricks. Vehicle owners only need to know the tricks to get comparison rates online.

Discounts can really help lower rates

Insurance can be prohibitively expensive, but you can get discounts that could help you make your next renewal payment. Some trigger automatically at the time you complete a quote, but a few must be asked about before you will receive the discount.

  • Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for S4 insurance depending on your company.
  • College Student – Children living away from home attending college and leave their car at home can be insured at a reduced rate.
  • 55 and Retired – Older drivers may be able to get better auto insurance rates for S4 insurance.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.

As a footnote on discounts, some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts can be read below.

  • State Farm may offer discounts for anti-theft, multiple autos, good student, student away at school, accident-free, Steer Clear safe driver discount, and multiple policy.
  • Geico offers discounts for military active duty, emergency military deployment, driver training, multi-policy, multi-vehicle, daytime running lights, and defensive driver.
  • Progressive has savings for good student, homeowner, multi-vehicle, online quote discount, and online signing.
  • 21st Century may include discounts for automatic seat belts, early bird, homeowners, good student, and anti-lock brakes.
  • American Family offers premium reductions for good student, multi-vehicle, Steer into Savings, defensive driver, bundled insurance, good driver, and TimeAway discount.
  • The Hartford policyholders can earn discounts including anti-theft, defensive driver, good student, vehicle fuel type, driver training, bundle, and air bag.
  • AAA discounts include multi-car, AAA membership discount, pay-in-full, anti-theft, and good student.

Double check with each insurance company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view companies who offer cheap auto insurance quotes, click this link.

The quickest method to compare rates is to realize all the major auto insurance companies actually pay money for the chance to give you rate quotes. The one thing you need to do is give them rating details such as deductibles desired, if it has an alarm system, how your vehicles are used, and if a SR-22 is needed. The rating information gets sent immediately to many of the top insurers and you will get price comparisons quickly.

To compare rates for your 2014 Audi S4 now, click here and find out if you can get cheaper insurance.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions might point out whether you would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?
  • Which companies will insure high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Specific coverage details

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability coverages – Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, loss of income, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for prosthetic devices, EMT expenses, chiropractic care, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects, hitting a deer and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Feed the piggy bank

In this article, we presented quite a bit of information on how to lower your 2014 Audi S4 insurance rates. It’s most important to understand that the more rate quotes you have, the higher your chance of finding affordable car insurance. Consumers may even find the lowest rates come from a small mutual company.

People leave their current company for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, unfair underwriting practices or high rates after DUI convictions. Whatever your reason, finding a great new company can be pretty painless.

When getting car insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. The goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Much more information about car insurance can be read at these links: