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 scraping the payment together to pay your insurance coverage bill each month? You are no different than many other consumers.

You have multiple car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, more options can take longer to find a good deal.

It’s a good idea to shop coverage around on a regular basis because insurance coverage prices tend to go up over time. Even if you think you had the best deal on S4 coverage six months ago there may be better deals available now. Don’t believe everything you read about insurance coverage online, but by reading this article, you’re going to learn some proven techniques to slash your insurance coverage rates.

This article will tell you how car insurance quotes work. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. But vehicle owners must learn how insurance companies market on the web and use this information to your advantage.

How to find cheap insurance

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You can waste hours discussing policy coverages with agents in your area, or you can utilize online quoting to get the quickest rates.

Many popular insurance companies participate in a marketplace where insurance shoppers submit their information once, and each company then gives them pricing based on that information. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now click here to start a free quote.

One minor caviat to getting quotes like this is you can’t choose which providers to get pricing from. If you would rather choose specific providers to compare rates, we have a page of companies who write insurance in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to enter the exact same deductibles and coverage limits on every quote. If you use mixed coverages then you won’t be able to make a fair comparison for your Audi S4. Even a minor difference in insurance coverages can make a big difference in price. Keep in mind that comparing a wide range of rates will increase your chances of finding a better price.

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

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These eight discounts can lower your car insurance rates

Auto insurance companies don’t always advertise every discount they offer very well, so we took the time to find some of the best known in addition to some of the lesser obvious ways to save on car insurance.

  • Data Collection Discounts – Policyholders that allow driving data submission to look at when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education if offered at their school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
  • Switch and Save Discount – A few companies offer discounts for switching companies before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Good Student – This discount can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Passive Restraints and Air Bags – Factory options such as air bags could see savings as much as 30%.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will definitely reduce the amount you have to pay.

Companies that may offer some of the discounts shown above possibly include:

Double check with each company which discounts you qualify for. Some discounts listed above might not apply in your state. To see a list of car insurance companies that offer multiple discounts, click here to view.

Different people need different auto insurance coverages

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your situation might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • What discounts do I qualify for?
  • Does medical payments coverage apply to all occupants?
  • Is my camper covered by my car insurance policy?
  • Am I covered when delivering products for my home-based business?
  • When does my teenage driver need to be added to my policy?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Advertising myths

GEICO, State Farm and Progressive endlessly run ads on TV and radio. All the companies convey the message about savings if you move your insurance coverage coverage to their company. That’s great but how can every company make almost identical claims? It’s all in the words they use.

Insurance coverage companies are able to cherry pick for the type of driver that earns them the most money. For example, this type of driver might be between 25 and 40, has few claims, and drives less than 5,000 miles a year. A propective insured who fits those characteristics will most likely get cheap premium rates and have a good chance to save money with a new company.

Potential customers who don’t measure up to the requirements will have to pay more expensive rates and this can result in the driver buying from a lower-cost company. The trick is to say “customers that switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently state the savings.

This really illustrates why it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess with any certainty which company will have the best rates for your profile.

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Insurance policy specifics

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2016 Audi S4.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, prosthetic devices, dental work, funeral costs and pain medications. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, hitting a bird, a broken windshield and hail damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This coverage covers damage to your S4 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

In Summary

In this article, we covered many tips how you can get a better price on 2016 Audi S4 insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a small local company. Smaller companies can often provide lower prices in certain areas compared to the large companies like Allstate, GEICO and Progressive.

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage for the lowest price while still protecting your assets.

To read more, take a look at the resources below: