Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 23, 2018

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Scraping up a payment for high-priced Audi S4 insurance can take a big chunk out of your monthly budget and make it impossible to make ends meet. Doing a price comparison can save money and help to make sure you’re not throwing money away.

Many insurance companies vie for your business, so it can be very hard to choose a insurance company and get the best coverage at the best rate

You should take the time to get comparison quotes occasionally due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best deal on S4 insurance six months ago you may be paying too much now. You can find a lot of wrong information about car insurance on the web, but in a few minutes you can learn the easiest ways to put money back in your pocket.

If you have car insurance now, you will be able to save some money using this strategy. Buying car insurance is quite easy. But car owners must understand the way insurance companies market on the web and apply this information to your search.

Find discounts on auto insurance

Not too many consumers would say auto insurance is affordable, but companies offer discounts that you may not even know about. Some trigger automatically at quote time, but some discounts are required to be specially asked for before being credited. If you do not double check each discount possible, it’s possible you qualify for a lower rate.

  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Federal Employees – Federal government employees can save as much as 8% on S4 insurance depending on your auto insurance provider.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% on S4 insurance than less cautious drivers.
  • Save with a New Car – Buying coverage on a new vehicle can get you a discount because newer vehicles keep occupants safer.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save a little off the personal injury premium cost.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety may get you a small discount and also improve your driving technique.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

To locate insurers that offer discounts, follow this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Learn how to lower your insurance rates

The best way to find cheaper auto insurance is to take a look at some of the elements that help determine auto insurance rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could help you find big savings.

The items below are just a few of the factors utilized by car insurance companies to help set your premiums.

  • Less chance of injury means lower rates – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles have better occupant injury protection and fewer injuries translates directly to fewer claims and thus lower rates. If the Audi S4 has ratings of a minimum four stars on you are probably receiving a discount.
  • Better drivers pay the best rates – Drivers with clean records tend to pay less for car insurance compared to bad drivers. Only having one ticket may increase your cost to the point where it’s not affordable. Drivers with serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.
  • Job stress can make you pay more – Did you know your career choice can influence rates? Careers like fire fightersairline pilots and dentists usually pay the highest average rates attributed to high stress and extremely grueling work hours. On the flip side, occupations like scientists, students and performers have lower than average premiums on S4 insurance.
  • Keep prices low by being claim-free – If you are the type of insured that files lots of claims don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies provide discounts to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Save money with higher deductibles – Deductibles for physical damage define how much you are willing to pay if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are collision with another vehicle, damage caused by hail, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the less your auto insurance will be on S4 insurance.
  • Alarms and GPS tracking lower prices – Selecting a car model that has an advanced theft prevention system can help lower your rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered when driving in Canada or Mexico?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is no-fault insurance?
  • What if I owe more than I can insure my car for?
  • What is UM/UIM insurance?
  • Where can I get insurance after a DUI in my state?
  • Should I buy only the required minimum liability coverage?
  • Does my 1993 Audi S4 qualify for pleasure use?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Advertising myths

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to tend to make the same promise that drivers can save some big amount if you switch your coverage. But how can every company claim to save you money? Here is the trick they use.

Insurance companies have strict underwriting profiles for the type of insured that makes them money. An example of a driver they prefer may be over the age of 45, has no driving citations, and has a short commute. Any driver who matches those parameters will probably get the lowest rates and is almost guaranteed to save a lot of money.

People who don’t meet those standards will probably have to pay a higher premium which leads to the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everybody who quotes” save the amount stated. This is how companies can make those statements. Because every company is different, you really need to compare as many free insurance coverage quotes as you can. Because without a comparison, you cannot know which insurance company will have the best premium rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverages explained

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, ambulance fees, pain medications, dental work and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, rock chips in glass, falling objects, theft and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, medical expenses, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your S4 resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

We just covered many tips how you can compare 1993 Audi S4 insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. Consumers could even find that the biggest savings come from a small mutual company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The aim is to buy the best coverage you can find at the best cost, not the least amount of coverage.

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