Are you a victim of high-priced car insurance? Trust us, there are many people just like you.
Consumers have many car insurance companies to pick from, and even though it’s nice to have multiple companies, lots of choices makes it harder to adequately compare rates.
Verify you’re getting all your discounts
Companies offering auto insurance don’t always advertise all available discounts very clearly, so we break down some of the best known and also the lesser-known ways to save on car insurance.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
- More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application online.
- Senior Discount – If you’re over the age of 55, you may receive reduced rates for S4 coverage.
- Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for S4 coverage than their less cautious counterparts.
- Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
- Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
It’s important to note that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
How to Compare Car Insurance Quotes
When shopping for car insurance there are multiple ways of comparing price quotes and find the best price. By far the easiest way to find competitive Audi S4 insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.
- The single most time-saving way to get quotes is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do separate quote forms to each individual car insurance company. Taking the time to complete one form will return quotes from multiple low-cost companies.
- A more difficult way to get comparison quotes requires a trip to each individual company website and request a quote. For examples sake, we’ll pretend you want to compare rates from GEICO, Allstate and Progressive. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
- The most time-consuming way to get comparison rates is to spend time driving to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the professional advice only provided by licensed agents. Drivers can obtain prices from the web and still use a local agent and you’ll learn how to do that later.
However you get your quotes, make absolute certain that you use exactly the same quote information on every quote. If each company quotes mixed coverages it’s not possible to find the best deal for your Audi S4. Just a small difference in coverage limits can result in a big premium difference. Just remember that getting more free quotes will enable you to find the best offered rates.
Audi S4 insurance premiums are calculated by many factors
It’s important that you understand some of the elements that go into determining car insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get lower car insurance prices.
Listed below are a partial list of the pieces that factor into your rates.
- Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Audi is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
- Proper usage rating affects rates – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance declarations sheet is showing the correct usage for each vehicle, because it can save money. Incorrect usage on your S4 can cost quite a bit.
- An active claims history can cost you – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Companies give lower rates to people who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Having a spouse can save you money – Getting married actually saves money when buying car insurance. Having a significant other translates into being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
- Save money with special equipment – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
- Your age impacts your rates – Teenage drivers are known to be more careless behind the wheel so car insurance rates are higher. Parents adding a teen driver onto a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
Are insurance agents a thing of the past?
Some people would prefer to visit with an insurance agent. One of the best bonuses of comparing insurance prices online is you may find lower rates but also keep your business local.
Upon completion of this short form, your information is sent to insurance agents who will battle for your coverage. You never need to leave your computer due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! You’ll get the best rates and work with a local agent.
Selecting an insurance company should depend on more than just the price. Some important questions to ask are:
- Does the agency have a good rating with the Better Business Bureau?
- Are they full-time agents?
- Is the agent and/or agency licensed to do business in your state?
- Do they carry Errors and Omissions coverage?
- Does the company allow you to choose your own collision repair facility?
Captive and independent auto insurance agents
When researching an insurance agent, you must know there are a couple types of agencies to choose from. agents are either captive or independent (non-captive).
Captive Agents
Captive agencies work for only one company such as American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so they have no alternatives for high prices. Captives are trained well on the products they sell which helps them compete with independent agents.
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, it’s a good idea to contact at least one independent agent for maximum quote selection.
For a complete listing of car insurance agents, visit this site.
Once you have received positive feedback and an acceptable price quote, you may have just found an insurance agency that meets your needs to adequately provide car insurance.
One last thing about your coverage
Affordable Audi S4 insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not offer online quoting and these small, regional companies work with independent agents.
You just learned a lot of tips how to reduce Audi S4 insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the best prices are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.
