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 22, 2018

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.

Do you get exhausted from sacrificing other expenses to pay your insurance bill each month? Your situation is no different than millions of other drivers.

Insurance companies such as Allstate, Progressive and GEICO all promote huge savings with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

The best way we recommend to compare policy rates is to know the fact auto insurance companies allow for online access to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if the vehicle is leased, how much school you completed, daily mileage, and driver ages. Your insurance information is sent automatically to multiple different insurance companies and you should receive rate quotes with very little delay.

To get price quotes for your 2002 Audi S4 now, click here and find out if lower rates are available.

Find hidden discounts to get affordable insurance quotes

Car insurance is not cheap, but there are discounts available to reduce the price significantly. Many of these discounts will be applied automatically at the time you complete a quote, but occassionally some discounts must be manually applied before they will apply. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
  • Student Discounts – Excelling in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Buy New and Save – Buying a new car instead of a used car is cheaper due to better safety requirements for newer vehicles.
  • Onboard Data Collection – Policyholders that allow data collection to analyze driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as the data is positive.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for better insurance rates on S4 coverage.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few of the larger companies and the discounts they provide can be read below.

  • Mercury Insurance may have discounts that include low natural disaster claims, multi-car, multi-policy, ease of repair, and professional/association.
  • Farmers Insurance has savings for multi-car, business and professional, bundle discounts, homeowner, and teen driver.
  • Farm Bureau has discounts for renewal discount, youthful driver, good student, multi-policy, safe driver, driver training, and 55 and retired.
  • State Farm policyholders can earn discounts including multiple policy, anti-theft, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, good student, and safe vehicle.
  • Allstate may offer discounts for premier discount, economy car, farm vehicle, teenSMART discount, safe driver, anti-lock brakes, and good payer.
  • GEICO includes discounts for membership and employees, emergency military deployment, multi-vehicle, military active duty, and air bags.

Check with every insurance company to give you their best rates. Some discounts listed above might not be available to policyholders in every state. To see insurers who offer online insurance quotes, click here to view.

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

secured lock Secured with SHA-256 Encryption

Tailor your insurance coverage to you

When it comes to buying coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help highlight if you might need professional guidance.

  • Is a fancy paint job covered?
  • What is the minimum liability in my state?
  • What is PIP insurance?
  • Do I have coverage when making deliveries for my home business?
  • Does car insurance cover theft of personal property?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance prices are influenced by these factors

Many things are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are more transparent such as your credit history or how financially stable you are.

Listed below are a partial list of the pieces that factor into premiums.

  • Accidents increase prices – A bad driving record has a huge affect on how much you pay. Even one moving violation could increase your next policy renewal to the point where it’s not affordable. Careful drivers get better rates than their less careful counterparts. Drivers who get careless citations like DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
  • Lower premiums with alarms and GPS tracking – Owning a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
  • Maintain car insurance coverage – Driving your car without having proper coverage is not a good idea and as a result your rates will increase for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Youthful drivers pay high premiums – Young drivers have a tendency to be careless and easily distracted in a vehicle therefore car insurance rates are much higher. More experienced drivers are more responsible, are lower risk to insure and receive fewer citations.
  • Drive less and get lower rates – The more you drive every year the more you’ll pay to insure it. A lot of companies rate vehicles based upon how much you drive. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Improper usage on your S4 can cost quite a bit. Verify your car insurance coverage is showing the correct usage.

Slick advertising tricks that work

Companies like Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies tend to make the same promise that drivers will save a bundle if you just switch your auto insurance coverage to their company. How do they all sell you cheaper insurance coverage? It’s all in the words they use.

All the different companies look for specific characteristics for the type of driver that will be a good risk. A good example of a desirable risk may need to be married and over the age of 30, has never had a policy lapse, and the vehicle is rated for pleasure use. A customer that meets those criteria will get very good prices and will also save if they switch.

Consumers who are not a match for those criteria will probably have to pay higher premium rates which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. This is how companies can make claims that they all have the best premium rates.

Because each company has a different risk profile, drivers should compare price quotes frequently. You cannot predict which insurance companies will have better car insurance rates than you’re paying now.

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

secured lock Secured with SHA-256 Encryption

Insurance coverage considerations

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, attorney fees and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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 important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection – This coverage covers 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 insurance covers things like hitting a bird, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, pain medications, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

Throughout this article, we presented a lot of information how to reduce 2002 Audi S4 insurance premium rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

As you quote insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage 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 buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

For more information, feel free to visit the articles below: