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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Are you tired of trying to scrape together enough money to buy auto insurance? You are no different than many other drivers. There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the best rates.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Drivers just need to know how to compare company rates online.

How to buy auto insurance

There are a lot of ways to compare auto insurance quotes, but one way is less time-consuming than others. You could spend the better part of a day talking to insurance agencies in your area, or you could use online quoting to get rates in a matter of minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote based on that information. This saves time by eliminating quote forms to every company.

To use this form to compare rates click to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose which companies you want to price. If you would rather choose individual companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but make darn sure you compare the exact same quote information for each price quote. If you compare mixed coverages you will not be able to find the best deal for your Audi S4.

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

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Insurance discounts are available to slash your rates

Insurance is expensive, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked about in order for you to get them. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

  • Sign Online – Some larger companies will discount your bill up to fifty bucks for signing up on the internet.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Discount for Swiching Early – Some larger companies reward drivers for switching to them before your current expiration date. You can save around 10% with this discount.
  • Defensive Driver Discounts – Taking time to complete a safe driver course can save you 5% or more if your company offers it.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of more than 20%.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for S4 insurance than drivers with accident claims.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper due to better safety requirements for new vehicles.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find insurance companies who offer free insurance quotes, follow this link.

You can change your insurance rates

Consumers need to have an understanding of some of the elements that help determine your premiums. If you have some idea of what influences your rates, this enables informed choices that can help you get much lower annual insurance costs. Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are more obscure like your vehicle usage or how safe your car is.

  • Know your vehicle’s crash test rating – Vehicles with high crash test scores tend to have lower insurance rates. Safer cars reduce injuries and fewer serious injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Credit score impacts premium costs – Having a good credit history can be a huge factor in determining premium rates. Drivers with good credit tend to file fewer claims than drivers who have lower ratings. If your credit score could use some work, you could pay less to insure your 2004 Audi S4 if you clean up your credit.
  • Liability coverage preserves assets – Your insurance coverage policy’s liability coverage will provide protection if ever you are responsible for damages caused by your negligence. This coverage provides you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Miles driven impacts premiums – The more you drive each year the more you will pay for insurance coverage. Most insurance companies calculate prices determined by how the vehicle is used. Cars that have low annual miles can get a lower rate than those that get driven frequently. A policy that improperly rates your S4 may be costing you. It’s a good idea to make sure your insurance coverage policy correctly shows the correct driver usage, because improper ratings can cost you money.

Everyone needs different car insurance coverages

When buying proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Should I have a commercial auto policy?
  • What discounts do I qualify for?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How can I force my company to pay a claim?
  • Do I have coverage if my license is suspended?
  • Is my 2004 Audi S4 covered for smoke damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does coverage extend to a rental car in a foreign country?
  • What is medical payments coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

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

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Auto insurance specifics

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, vandalism, falling objects and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – This will pay to fix damage to your S4 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverage – Liability coverage protects you from damage that occurs to a person or their property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like structural damage, emergency aid and bail bonds. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Audi S4.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Stretch your dollar

When searching for affordable auto insurance quotes, you should never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

You just learned a lot of ways to reduce 2004 Audi S4 insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

Low-cost 2004 Audi S4 insurance can be purchased online and from local insurance agents, so you need to shop auto insurance with both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these smaller providers work with independent agencies.

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