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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for better auto insurance rates? Shoppers have many options when shopping for affordable Audi S4 insurance. They can either waste time calling around to compare prices or utilize the internet to make rate comparisons.

There is a better way to shop for auto insurance and we’ll show you the proper way to get price quotes for a new or used Audi and obtain the best price possible from local insurance agents and online providers.

You should make it a habit to compare prices quite often since rates trend upward over time. Even if you got the lowest premium rates for S4 insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.

If you are insured now or are looking for a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. The purpose of this article is to tell you how to effectively get price quotes and some money-saving tips. Drivers only need an understanding of how to shop online.

The quickest method to compare rate quotes is to realize all the major auto insurance companies allow for online access to quote your coverage. The one thing you need to do is provide details such as how much education you have, how much you drive, whether your vehicle is owned or leased, and if you’re married. Your information gets sent immediately to many of the top insurers and you will receive price estimates with very little delay.

To compare rates now, click here and enter your zip code.

Car insurance companies offer money-saving discounts

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the list below details some of the more common as well as some of the hidden discounts that may be available. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • College Student – College-age children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
  • Save with a New Car – Buying a new car instead of a used car can save you some money due to better safety requirements for new model year vehicles.
  • Accident Free – Insureds with no claims or accidents can earn big discounts compared to policyholders that have many claims.
  • Paper-free Discount – Some of the larger companies will provide an incentive simply for signing digitally online.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like State Farm, Progressive and GEICO will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Discount for Home Ownership – Owning a home can earn you a little savings since home ownership is proof of financial responsibility.

Discounts lower rates, but most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and some of the premium reductions they offer are:

  • Progressive may offer discounts for good student, homeowner, online signing, multi-policy, and online quote discount.
  • The Hartford has savings for anti-theft, good student, vehicle fuel type, driver training, defensive driver, and air bag.
  • Mercury Insurance offers premium reductions for professional/association, annual mileage, location of vehicle, multi-policy, type of vehicle, good driver, and accident-free.
  • GEICO may have discounts that include multi-vehicle, emergency military deployment, membership and employees, federal employee, and anti-theft.
  • AAA discounts include education and occupation, anti-theft, multi-car, good driver, and multi-policy.
  • State Farm includes discounts for anti-theft, driver’s education, good driver, student away at school, Steer Clear safe driver discount, defensive driving training, and accident-free.

Before purchasing a policy, check with every company how many discounts you can get. Some discounts may not apply to policyholders in every state. For a list of providers with the best car insurance discounts, click this link.

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

secured lock Secured with SHA-256 Encryption

Smart consumers can lower their insurance costs

The best way to find cheaper auto insurance is to take a look at some of the elements that help calculate auto insurance rates. When you understand what influences your rates, this helps enable you to make changes that may result in big savings.

  • Male rates may be higher – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, this does not mean females are better drivers. Men and women get in accidents at about the same rate, but guys get into accidents with more damage. They also receive more costly citations like DWI (DUI) or reckless driving.
  • Pay more of a claim out-of-pocket – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims could be running into the backend of another car, vandalism, and windstorm damage. The deductibles you choose define the amount you are required to spend if the claim is covered. The larger the amount the insured is willing to pay, the less your company will charge you for insurance for S4 insurance.
  • Drive a safer car and pay less – Safer cars cost less to insure. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Where do you drive? – Driving more miles every year the higher the price you pay to insure it. Many insurance companies calculate rates based upon how you use the vehicle. Vehicles that sit idle most of the time qualify for better rates than those that get driven frequently. Double check that your auto insurance policy correctly shows annual mileage. Having an incorrect usage rating on your S4 may be wasting your money.
  • Certain vocations raise prices – Occupations like real estate brokers, architects and accountants tend to pay the highest rates because of intense work requirements and extremely grueling work hours. On the other hand, jobs such as professors, engineers and homemakers generally pay rates lower than average for S4 insurance.
  • Bundle and save – Most larger auto insurance companies allow discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even though this discount sounds good, drivers will still want to compare rates to make sure you are getting the best deal.There is a chance you can save money by buying auto insurance from a different company.

Do I just need basic coverages?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover whether or not you will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if my car is in a flood?
  • Does my car insurance cover rental cars?
  • Can I rent a car in Mexico?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Save $457 a year! What?

Consumers can’t get away from ads that promise big savings for switching from companies such as State Farm and Allstate. They all seem to seem to make the promise that people will save just by switching your coverage.

How does every company lower your rates? Here is how they do it.

Most companies offer their best rates for the type of insured that will generate a profit. For instance, a desirable insured may need to be married and over the age of 30, has no tickets, and drives a lower-performance vehicle. Any customer who meets those qualifications receive the lowest rate quotes and will probably save a lot of money.

Potential insureds who do not fit those criteria will see higher premiums which leads to the customer not buying. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can truthfully claim big savings.

This really illustrates why it is so important to compare quotes as often as possible. It’s impossible to know the company that will give you the biggest savings.

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

secured lock Secured with SHA-256 Encryption

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi S4.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, court costs, emergency aid, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage covers damage to your S4 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Be Smart and Buy Smart

When getting auto insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Consumers change insurance companies for many reasons like poor customer service, unfair underwriting practices, delays in responding to claim requests and even denial of a claim. It doesn’t matter what your reason, finding a new auto insurance company is not as difficult as it may seem.

We covered a lot of information how to compare 2000 Audi S4 insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may even discover the lowest prices are with a smaller regional carrier.

More learning opportunities