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: Sep 20, 2017

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Online rate comparisons for the cheapest insurance could seem overwhelming if you’ve never received online car insurance quotes. But don’t be confused because finding lower rates is actually fairly simple.

Cheap insurance rate quotes

When comparison shopping, there are several ways to compare prices from lots of insurance companies. One of the best ways to lower the rate you pay for 2001 Audi S4 insurance is to perform an online rate comparison. It’s really quite simple and can be done in a couple minutes as outlined below.

  • One of the best ways consumers can analyze rates is a comparison rater form (click to open form in new window). This style of form keeps you from doing a different quote for each company you want a rate for. One quote request gets prices estimates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A harder way to find more affordable insurance is to manually visit the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll assume you want to compare prices for Auto-Owners, Allstate and Liberty Mutual. To get each rate you have to go to every website and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

Whichever way you use, make darn sure you compare exactly the same coverage information with each company. If you enter different limits and deductibles on each one you can’t possibly determine the lowest rate for your Audi S4. Just slight variations in coverages could mean much higher rates. It’s important to know that getting more free quotes increases the change that you will find lower pricing.

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

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Eight discounts for lower-cost insurance coverage rates

Insurance can cost an arm and a leg, but you may be missing some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be asked about before they will apply. If you check and find you aren’t receiving every discount available, you are just wasting money.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
  • Mature Driver Discount – Mature drivers could receive a discount up to 10% on S4 insurance.
  • Resident Student – who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Anti-lock Brake System – Cars with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
  • First Accident Forgiveness – Not really a discount, but companies like State Farm, Progressive and GEICO permit an accident without raising rates if you have no claims for a set time period.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance coverage because it requires personal responsibility.

We need to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

A few popular companies and some of the discounts can be found below.

  • State Farm offers premium reductions for multiple policy, multiple autos, good student, driver’s education, and safe vehicle.
  • Progressive includes discounts for online signing, online quote discount, homeowner, continuous coverage, multi-policy, and multi-vehicle.
  • Travelers may have discounts that include payment discounts, save driver, good student, multi-car, and hybrid/electric vehicle.
  • American Family policyholders can earn discounts including Steer into Savings, early bird, air bags, good driver, defensive driver, and good student.
  • Liberty Mutual offers discounts including hybrid vehicle, safety features, exclusive group savings, newly retired, preferred payment discount, and new graduate.

Double check with all the companies how you can save money. All car insurance discounts might not be offered on policies in your area. For a list of companies that offer multiple discounts, follow this link.

You may need specialized car insurance coverage

When buying the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • Am I covered when delivering products for my home-based business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How much liability insurance is required?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are my friends covered when driving my car?
  • Does car insurance cover theft of personal property?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Why you might not save $419 a year

Companies like State Farm and Allstate regularly use ads in print and on television. All the companies say the same thing that drivers will save a bundle if you just switch your car insurance policy to them. How does every company say the same thing? It’s all in the wording.

All companies can use profiling for a prospective insured that makes them money. For instance, a profitable risk profile might have to be married and over the age of 30, has no tickets, and drives newer vehicles. Anybody that matches those criteria will get very good auto insurance rates and will also save when they switch companies.

Insureds who do not fit those standards may receive higher rates and this results in the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently advertise the savings. Because of the profiling, it’s extremely important to compare free insurance quotes often. Because you cannot predict with any certainty which company will have the best auto insurance rates for your profile.

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

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Car insurance coverages for an Audi S4

Understanding the coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage

This coverage can cover damage or injury you incur to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like pain and suffering, structural damage, bail bonds, medical services and legal defense fees. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for EMT expenses, doctor visits, surgery, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Audi S4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance will pay to fix damage to your S4 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, backing into a parked car, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, fire damage, hitting a deer and rock chips in glass. The most you’ll receive from a 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.

Have the Midas touch

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

In this article, we presented many ways to save on 2001 Audi S4 insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost insurance. Drivers may discover the lowest auto insurance rates come from a smaller regional carrier.

More affordable car insurance is definitely available both online as well as from insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and many times these smaller companies provide coverage only through independent agents.

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