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: Oct 5, 2015

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Looking for cheaper car insurance rates for your Audi S4? Nobody I know is fond of buying car insurance, especially when the price is too high. Big-name insurance companies like Allstate, Progressive and GEICO continually bombard you with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

Finding insurance

Performing a rate comparison can be exhausting if you don’t know the best way to get rate quotes. You could spend the better part of a day talking to insurance companies in your area, or you could use online quoting to quickly compare rates.

Many of the larger companies belong to a marketplace that enables customers to enter their policy data once, and each company returns a competitive quote. This system prevents you from having to do form submissions to each company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is you cannot specify the companies to get pricing from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use equivalent information on every quote. If you enter mixed coverages it’s not possible to determine which company has the best rates.

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

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More discounts mean affordable premiums

Insuring your vehicles can cost a lot, but there may be some discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but a few must be asked about in order for you to get them. If you’re not getting every credit available, you are just wasting money.

  • Telematics Devices – Drivers who agree to allow their insurance company to monitor when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.
  • Save with More Vehicles Insured – Buying coverage for several vehicles with one company can reduce rates for all insured vehicles.
  • Early Switch Discount – Some car insurance companies reward drivers for signing up before your current coverage expires. It can save you around 10%.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • College Student Discount – Youth drivers who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
  • Federal Employees – Having worked for a branch of the government can save as much as 8% for S4 insurance but check with your company.

One thing to note about discounts is that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky.

For a list of car insurance companies with discount car insurance rates, click here to view.

Smart buyers can save money

The best way to find cheaper car insurance is to take a look at some of the things that are used to determine your car insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower car insurance prices. Many factors are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less apparent such as whether you are married or how financially stable you are.

The factors shown below are some of the factors companies use to determine premiums.

  • Driving citations cost more than a fine – How you drive has a huge affect on how much you pay. Having just one driving citation may increase your cost by as much as twenty percent. Good drivers have lower premiums compared to drivers with tickets. People who have dangerous citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state DMV in order to legally drive.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. It does not mean females are better at driving than males. Males and females cause accidents at a similar rate, but guys get into accidents with more damage. Men also receive more major tickets such as DWI and reckless driving.
  • Safety first – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Vehicle options that cut prices – Driving a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
  • Liability insurance limits are a factor – Your policy’s liability coverage is the coverage that protects you if ever you are responsible for damages caused by your negligence. It will provide you with a defense in court starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • A good credit rating can save money – A driver’s credit rating can be a huge factor in determining what you pay for car insurance. If your credit rating leaves room for improvement, you could save money insuring your 1994 Audi S4 if you improve your credit rating. Drivers who have high credit ratings tend to be less risk to insure than those with poor credit.

It’s not one size fits all

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • When should my teen driver be added to my policy?
  • Does insurance cover damages from a DUI accident?
  • What are the best liability limits?
  • What is covered by UM/UIM coverage?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

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

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Buyer beware of insurance advertising tricks

Consumers can’t get away from all the ads for insurance savings from the likes of State Farm, Allstate and GEICO. All the ads seem to make the promise about saving some big amount if you switch your policy.

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

All companies have an ideal profile for the type of insured that will add to their bottom line. One example of a profitable risk profile might be over the age of 35, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will probably get the lowest premium rates and as a result will probably save a lot of money.

Drivers who cannot meet those criteria will get higher premiums and the driver buying from a lower-cost company. The ads say “customers that switch” but not “everyone who gets a quote” save money. That is how insurance companies can claim big savings.

Because of these techniques, it is so important to compare quotes as often as possible. It’s not possible to predict with any certainty which company will give you lower rates than your current company.

Parts of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Collision coverage – Collision insurance will pay to fix damage to your S4 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, driving through your garage door, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage kick in for bills such as chiropractic care, hospital visits, dental work, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from getting keyed, damage from a tornado or hurricane, vandalism and falling objects. The maximum payout 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 it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi S4.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover 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 commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Buy Smart and Save

We just showed you some good ideas how you can save on 1994 Audi S4 insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest premium rates are with a lesser-known regional company. Regional companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

While you’re price shopping online, never reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best price while still protecting your assets.

Even more information can be found in the articles below: