2004 Audi S4 Car Insurance Cost – 9 Policy Discounts

Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers.

Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute best rate

You probably qualify for some discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but less common discounts must be inquired about before they will apply.

  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for S4 insurance with select insurance companies.
  • Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for insurance for S4 insurance.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for S4 insurance than drivers with accident claims.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.

It’s important to understand that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

Companies who might offer these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply everywhere.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Is my 2004 Audi S4 covered for flood damage?
  • What exactly is covered by my policy?
  • How can I find cheaper teen driver insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy additional glass protection?
  • What companies insure drivers after a DUI or DWI?
  • Will my rates increase for filing one claim?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Drivers who switch save $462 a year? Really?

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies say the same thing that you can save if you move to them. How does each company say the same thing?

Insurance companies can use profiling for the driver that makes them money. An example of a preferred risk might be between 30 and 50, has no tickets, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who fall outside the requirements will have to pay higher prices and this can result in the customer not buying. The ad wording is “people who switch” not “people who quote” save that much. That’s the way companies can truthfully make those claims.

Because of the profiling, you should get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Car insurance coverage information

Understanding the coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Liability coverage – This coverage provides protection from damage that occurs to other people or property by causing an accident. 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 translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, loss of income, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, theft, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Med pay and PIP coverage kick in for expenses for prosthetic devices, rehabilitation expenses, hospital visits, nursing services and X-ray expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision – This coverage covers damage to your S4 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Knowledge is power

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We just presented many ways to lower your 2004 Audi S4 insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

Cost effective insurance is attainable online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional car insurance information is available below: