2002 Audi S4 Car Insurance Quotes

Want lower insurance rates for your Audi S4? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us, many consumers feel financially strained by their insurance policy. You have so many insurance companies to purchase coverage from, and though it is a good thing to have a selection, so many choices can make it hard to find the best rates for your vehicles.

Consumers should take time to get comparison quotes occasionally because insurance rates go up and down regularly. Just because you found the best rates for S4 coverage a couple years back there may be better deals available now. Starting now, ignore everything you know about insurance because you’re going to get a crash course in the best way to find lower rates on insurance.

Auto Insurance Comparison Rates

All major auto insurance companies such as Allstate, Geico and Progressive provide insurance quotes directly from their websites. Getting online quotes is fairly straightforward as you simply enter the coverage amounts you desire into a form. After you submit the form the company’s rating system sends out for your credit score and driving record and provides a quote based on these factors. Online quotes helps simplify price comparisons, but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find a lower rate.

Isn’t there an easier way to compare rates?

A less time-consuming method to compare rates utilizes a single form that analyzes rates from many companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the pricing results. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes less than 15 minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you complete the form with coverages and limits as shown on your current policy. This way, you are getting a rate comparison based on similar coverages.

Don’t be fooled by advertising claims

Drivers can’t get away from ads for cheaper car insurance by Allstate, Geico and Progressive. They all seem to make the same claim about savings if you change to their company.

But how can every company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet the “perfect” profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say “people who switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings. Because of the profiling, you absolutely need to compare as many rates as you can. It’s just too difficult to predict which company will fit your personal profile best.

Why you might be paying too much to insure your Audi S4

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Small claims can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies award better rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of larger claims.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The more you’re willing to pay, the less your insurance coverage will be for S4 coverage.
  • Proper usage rating affects rates – Driving more miles each year the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. An improperly rated S4 can result in significantly higher rates. Verify your insurance coverage coverage is showing the proper vehicle usage.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Never let your coverage lapse – Allowing your insurance coverage policy to lapse will be a quick way to bump up your insurance coverage costs. And not only will your rates increase, failure to provide proof of insurance may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Older drivers save more – Young drivers have a tendency to be careless and easily distracted when driving so they pay higher insurance coverage rates. Adding a teen driver onto a policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Choose a safe vehicle and save – Cars with high safety ratings get lower rates. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Audi S4 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Discounts on 2002 Audi S4 insurance

Auto insurance companies do not advertise every discount very well, so we researched both well-publicized and the harder-to-find ways to save on auto insurance. If you don’t get every credit available, you are paying more than you should be.

  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing online.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • College Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of companies who offer auto insurance discounts, click this link.

Tailor your coverage to you

When buying coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Why am I required to buy high-risk coverage?
  • Am I insured when driving a different vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I required to buy liability insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I insure my teen driver?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage options for a 2002 Audi S4

Understanding the coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as dental work, prosthetic devices, chiropractic care, doctor visits and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – This covers damage to your S4 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi S4.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – This coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, structural damage and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Do the work, save more money

We just covered a lot of information how to shop for 2002 Audi S4 insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with a lesser-known regional company. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Budget-conscious insurance is definitely available online in addition to many insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

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