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 3, 2017

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Looking for cheaper insurance coverage rates for your Audi S4? If you are new to online price comparisons, it’s easy to be bewildered by the confusing number of online insurance coverage companies and websites all advertising big savings.

You should make it a habit to get comparison quotes occasionally due to the fact that insurance prices change frequently. Even if you think you had the best rates for S4 insurance a year ago you can probably find a better premium rate now. You can find a lot of information about insurance coverage on the internet, but you can learn some good information on how to lower your insurance coverage rates.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Locating affordable car insurance can be fairly easy. Although consumers must comprehend the way insurance companies market on the web.

Insurance costs are influenced by these factors

Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are not quite as obvious like where you live or how safe your car is.When buying car insurance it’s important to understand the factors that help calculate the rates you pay for car insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates.

The itemized list below are some of the major factors companies use to determine your prices.

  • Keep the miles off and save – The higher the miles on your Audi in a year the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than cars that get driven a lot. An incorrectly rated S4 may be costing you higher rates. Make sure your policy shows the proper vehicle usage.
  • Are you male or female? – The statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Females and males are responsible for fender benders in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving.
  • Better premiums for continuous coverage – Driving without insurance is against the law and you may have a hard time finding new coverage because you let your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could earn you fines and jail time.
  • Don’t get traffic citations – Having a clean driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance than bad drivers. Even a single speeding ticket may cause rates to rise by as much as twenty percent. Drivers who have flagrant tickets like DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Do you need those extra policy coverages? – There are a lot of additional extra coverages that you can buy if you don’t pay attention. Coverages for roadside assistance, better glass coverage, and Farm Bureau memberships could be just wasting money. You may think they are a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Experienced drivers are lower risk – Drivers with little experience have been known to be less responsible when driving with friends and because of this, their car insurance rates are much higher. Older people tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.

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Do you qualify for discounts?

Some providers don’t always publicize every policy discount in a way that’s easy to find, so we researched some of the best known and the more hidden ways to save on car insurance. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.

  • Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Organization Discounts – Affiliation with qualifying employment or professional organizations may earn a discount on your bill.
  • Low Mileage – Maintaining low annual mileage can earn cheaper prices.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off PIP or medical payments premium.
  • Sign Early and Save – A few insurance companies give discounts for switching to them before your current expiration date. Ten percent is about the average savings.
  • Save over 55 – Drivers that qualify as senior citizens may receive better car insurance rates for S4 insurance.
  • Resident Student – College-age children living away from home attending college without a vehicle on campus may qualify for this discount.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To find insurance companies offering car insurance discounts, click here.

Don’t assume everyone needs the same auto insurance coverage

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Is my custom paint covered by insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • When do I need to add a new car to my policy?
  • Are my friends covered when driving my 2007 Audi S4?
  • Should I have a commercial auto policy?
  • I don’t drive much so do I pay less?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, structural damage and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your S4 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, colliding with a tree, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

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More choices the merrier

You just read a lot of tips how to lower your 2007 Audi S4 insurance prices. The most important thing to understand is the more you quote insurance, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies.

People change insurance companies for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, unfair underwriting practices or even policy non-renewal. No matter why you want to switch, finding the right insurance provider is actually quite simple.

Budget-friendly insurance can be purchased on the web and from local agencies, and you should be comparing both so you have a total pricing picture. A few companies do not provide online quoting and many times these smaller providers only sell through independent agents.

More detailed insurance information can be read in these articles: