Cheaper 2009 Audi S4 Insurance Quotes

Trying to find better insurance rates for your Audi S4? Overpriced Audi S4 insurance can dwindle your personal savings and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Popular companies such as State Farm, Progressive and GEICO constantly bombard you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and find the best price available.

You should take the time to shop coverage around every six months since insurance rates fluctuate regularly. Just because you had the lowest price for S4 insurance two years ago there may be better deals available now. Starting now, forget anything you know (or think you know) about insurance because we’re going to show you the proper way to lower your annual insurance bill.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t list every available discount very well, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for S4 insurance.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Safe Drivers – Safe drivers may save up to 50% more for S4 insurance than their less cautious counterparts.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies offering auto insurance discounts, follow this link.

Do I need special coverages?

When buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What companies insure drivers after a DUI or DWI?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I pay less for low miles?
  • Should I have a commercial auto policy?
  • Is pleasure use cheaper than using my 2009 Audi S4 to commute?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as court costs, funeral expenses, pain and suffering and attorney fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses for funeral costs, EMT expenses, surgery, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision – Collision coverage covers damage to your S4 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, backing into a parked car, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants 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. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from getting keyed and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Quote more, save more

Cost effective 2009 Audi S4 insurance can be bought online as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, never buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

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