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: May 25, 2018

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Want the cheapest auto insurance rates? Drivers have options when trying to find the lowest priced Audi S4 insurance. You can either spend your time calling around getting price quotes or leverage the internet to compare rates.

There is a better way to find auto insurance online and you need to know the proper way to price shop coverage on a Audi and get the lowest possible price from local insurance agents and online providers.

Get lower rates by earning discounts

Companies offering auto insurance do not advertise every discount they offer in a way that’s easy to find, so the list below details some of the best known as well as some of the hidden credits available to you.

  • No Charge for an Accident – Not really a discount, but some companies like Allstate, Progressive, and GEICO will let one accident slide before your rates go up so long as you are claim-free for a particular time prior to the accident.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 25 to 30%.
  • Organization Discounts – Affiliation with a civic or occupational organization can get you a small discount on auto insurance.
  • Discounts for Multiple Vehicles – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • No Claims – Insureds with no claims or accidents can save substantially when compared to insureds who have frequent claims or accidents.
  • Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy some life insurance in addition to your auto policy.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will bring down your auto insurance premiums.

If you would like to choose from a list of insurance companies with discount auto insurance rates, click this link.

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

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Cheapest car insurance quotes

There are multiple methods to compare car insurance prices but one way is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you can utilize online quoting to get pricing more quickly.

Most of the best insurance companies take part in a program where prospective buyers complete one form, and every company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

One minor caviat to using this type of system is you can’t choose the insurers you want to price. So if you want to choose from a list of companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare equivalent coverage limits and deductibles for every quote you compare. If you have differing limits you can’t possibly determine the lowest rate for your Audi S4.

Choices you make can impact your insurance prices

Part of the auto insurance buying process is learning some of the elements that help calculate your auto insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that could result in lower premium levels.

Listed below are a few of the “ingredients” that factor into prices.

  • Where you live can modify premiums – Choosing to live in small towns and rural areas is a good thing if you are looking for the lowest rates. Lower population means a lower chance of having an accident and lower theft and vandalism rates. Residents of big cities have traffic congestion and longer commute times. The longer drive time means more chance of being in an accident.
  • Deter theft and save – Selecting a car model with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
  • Insure car and home with the same company – Most major auto insurance companies apply better rates to people who buy several policies from them in the form of a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, it’s still a good idea to compare rates to ensure the best deal.
  • Raising deductibles lowers prices – Physical damage protection, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims are a broken side mirror, damage caused by hail, and damage from a fallen tree branch. The deductibles are the amount of money you are required to pay before your auto insurance pays a claim. The more damage repair cost the insured has to pay upfront, the lower your rates will be for S4 coverage.

Your auto insurance coverage should be tailored to you

When choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help highlight whether or not you might need professional guidance.

  • If I drive on a suspended license am I covered?
  • What if I owe more than I can insure my car for?
  • Does having multiple vehicles earn me a discount?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when making deliveries for my home business?
  • How much liability coverage do I need in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need higher collision deductibles?
  • Is pleasure use cheaper than using my 2012 Audi S4 to commute?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

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

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Car insurance coverages for a 2012 Audi S4

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, chiropractic care, prosthetic devices, funeral costs and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like pain and suffering, bail bonds, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Audi S4.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This pays for damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Power to the consumer

As you quote auto insurance, never reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

People who switch companies do it for a number of reasons such as being labeled a high risk driver, questionable increases in premium, an unsatisfactory settlement offer or even denial of a claim. It doesn’t matter why you want to switch switching car insurance companies is actually quite simple.

We just covered a lot of techniques to shop for 2012 Audi S4 insurance online. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with some of the smallest insurance companies.

For more information, take a look at the resources below: