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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Nobody that owns a car looks forward to paying for auto insurance, in particular when they could find lower prices if they just compared rates.

With vehicle owners having so many insurance companies to choose from, it is very difficult to choose a more affordable auto insurance provider.

It’s important to price shop coverage before your next renewal because auto insurance prices are rarely the same from one policy term to another. Just because you found the lowest rate on S4 coverage at your last renewal a different company probably has better premium rates today. There is a lot of bad information regarding auto insurance on the web, but we’re going to give you some of the best ways to quit paying high auto insurance rates.

How to buy insurance coverage online

There are a lot of ways you can shop for insurance coverage but some are more efficient than others. You could spend your day driving to agents in your area, or you could use the internet to quickly compare rates.

Many insurance companies enroll in a system where insurance shoppers complete one form, and every company provides a quote based on that information. This saves time by eliminating repetitive form submissions for each company. To get comparison pricing now click here to start a free quote.

The only drawback to using this type of form is you don’t know exactly which providers you want to price. So if you want to choose from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, do your best to enter identical quote data for each quote you get. If each company quotes different liability limits it will be very difficult to get a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, making a lot of price comparisons gives you a better chance of getting better pricing.

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

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Informed consumers save more

Consumers need to have an understanding of the different types of things that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that can help you get lower premium levels. Many different elements are used when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although others are less obvious like your vehicle usage or your financial responsibility.

  • Pay less with a high crash test rating – Safe vehicles tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums. If the Audi S4 is rated at least four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Getting married can lower costs – Having a significant other may save some money on your policy. Having a significant other usually means you are more financially stable it has been statistically shown that drivers who are married file infrequent claims.
  • Poor driving habits means higher rates – Attentive drivers get better prices compared to bad drivers. Getting just one moving violation may cause rates to rise substantially. Drivers with serious violations such as DWI, reckless driving or hit and run convictions are required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Younger drivers cost more – More mature drivers are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.Drivers with little experience are statistically proven to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
  • Liability protection claims can be big – Your insurance policy’s liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Never let your coverage expire – Having an insurance coverage lapse can be a guaranteed way to drive up your policy premiums. Not only will you pay more, the inability to provide proof of insurance may result in fines and jail time.
  • Lower miles driven equals lower premium – Driving more miles in a year the more you will pay for insurance. A lot of companies calculate prices based on their usage. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your S4 is just wasting money. Ask your agent if your insurance declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money.

Verify you’re earning every discount

Some companies do not list all their discounts in an easy-to-find place, so the list below contains both well-publicized as well as some of the hidden discounts that may be available.

  • Accident Free – Claim-free drivers pay less compared to drivers who are more careless.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
  • Professional Memberships – Joining certain professional organizations could earn you a nice discount when getting a insurance quote.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies may permit one accident without raising rates if your claims history is clear prior to the accident.
  • Fewer Miles Equal More Savings – Driving less can qualify you for slightly better prices than normal.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance quote.

As is typical with insurance, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will reduce the premium cost.

A few popular companies and some of their more popular discounts are shown below.

  • State Farm has discounts for good student, student away at school, anti-theft, driver’s education, safe vehicle, and defensive driving training.
  • Liberty Mutual may include discounts for exclusive group savings, good student, new graduate, newly married, and new vehicle discount.
  • American Family offers premium reductions for early bird, multi-vehicle, bundled insurance, accident-free, TimeAway discount, and good student.
  • Progressive may have discounts that include online quote discount, multi-policy, good student, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Farmers Insurance has savings for switch companies, teen driver, electronic funds transfer, multi-car, mature driver, and distant student.
  • Auto-Owners Insurance policyholders can earn discounts including teen driver, mature driver, safe vehicle, anti-theft, student away at school, and paperless.
  • SAFECO includes discounts for accident prevention training, anti-theft, anti-lock brakes, drive less, homeowner, teen safety rewards, and teen safe driver.

Before you buy a policy, ask each company or agent what discounts are available to you. Depending on the company, some discounts might not be offered in your area.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine if you could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Should I rate my 2015 Audi S4 as pleasure use or commute?
  • Is my custom paint covered by insurance?
  • Am I better off with higher deductibles on my 2015 Audi S4?
  • Are my friends covered when driving my 2015 Audi S4?
  • When should my teen driver be added to my policy?
  • What is an SR-22 filing?
  • What is medical payments coverage?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

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

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The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses for things like pain medications, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, falling objects, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – This coverage can cover damage or injury you incur to a person or their property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Save your cold hard cash

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. Your goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Affordable 2015 Audi S4 insurance is available online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get quotes online and these smaller providers work with independent insurance agencies.

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