How Much Does 2002 Audi S4 Car Insurance Cost?

Finding cheaper insurance for a new or used Audi S4 can be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages for a Audi and locate the lowest price either online or from local insurance agents.

How to compare auto insurance quotes

Comparing auto insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Many of the larger companies participate in an industry program where prospective buyers submit their information once, and at least one company then gives them pricing for coverage. This system prevents you from having to do quote requests to every company.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose which carriers to receive prices from. So if you want to choose individual companies to receive pricing from, we have a listing of auto insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just ensure you’re using the exact same coverages and limits on every price quote you get. If you are comparing higher or lower deductibles you will not be able to make an equal comparison.

Does insurance advertising bend the truth?

Consumers can’t get away from ads that claim the best rates by companies like Allstate, GEICO and Progressive. They all seem to try to convey promises that drivers will save a bundle if you just switch your coverage.

How is it possible that every company can charge you a lower premium? It’s all in the words they use.

All companies quote their cheapest rates for the type of customer that will be a good risk. One example of a desirable risk may be a mature driver, has other policies, and drives less than 5,000 miles a year. Anyone who meets those qualifications gets the lowest prices and will save money with a new company.

Drivers who don’t qualify for those standards may be forced to pay a higher premium which leads to the customer not purchasing. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can make those claims. Because every company is different, drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest prices.

Smart consumers save on insurance

Many things are used in the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are not as apparent like where you live or how financially stable you are.A large part of saving on insurance is knowing some of the things that aid in calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could result in lower insurance prices.

The following are a few of the “ingredients” that factor into your rates.

  • Theft deterrents systems cut prices – Choosing to buy a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
  • City dwellers may pay more – Living in a small town is a good thing when it comes to insurance. Urban drivers regularly have more auto accidents and more severe claims. Fewer people means less chance of accidents and also fewer theft and vandalism claims.
  • Liability protection is important – A critical coverage on your policy, liability insurance kicks in when you are found to be at fault for damages from an accident. This coverage provides for a legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Too many insurance claims and you’ll pay more – Insurance companies provide the best rates to policyholders who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Gender and insurance coverage – The statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Females and males cause auto accidents in similar numbers, but the men have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI).
  • Older drivers pay less – Older, more experienced drivers have been proven to be more responsible, file fewer claims and receive fewer citations.Beginning drivers have a tendency to get distracted easily when driving so insurance rates are higher.

Auto insurance companies offer many discounts

Companies do not advertise their entire list of discounts very well, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Savings for New Vehicles – Insuring a new car can get you a discount since newer vehicles have better safety ratings.
  • Low Mileage Discounts – Low annual miles can earn lower prices on the low mileage vehicles.
  • Multi-policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest auto insurance.
  • Auto/Life Discount – Larger insurance companies have a lower auto insurance rate if you buy auto and life insurance together.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will positively reduce the cost of your policy.

To view providers who offer online auto insurance quotes, click here.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Should I get collision insurance on every vehicle?
  • Can I make deliveries for my home business?
  • How do I buy GAP insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is business property covered if stolen from my car?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

This pays for damage to your S4 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi S4.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, dental work, EMT expenses, surgery and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Online plus local equals savings

In this article, we covered some good ideas how you can get a better price on 2002 Audi S4 insurance. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting the cheapest auto insurance. Consumers may even find the lowest priced insurance coverage comes from the least-expected company.

People change insurance companies for any number of reasons including lack of trust in their agent, poor customer service, high prices or even an unsatisfactory settlement offer. Whatever your reason, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured dropped collision coverage only to discover later that it was a big error on their part. The goal is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Additional information can be read on the following sites: