1994 Audi S4 Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for an 1994 Audi S4 are $902 a year including full coverage. Comprehensive costs around $166, collision costs $224, and liability insurance costs $376. Buying a liability-only policy costs as little as $426 a year, with high-risk insurance costing around $1,932. Teenage drivers receive the highest rates at $3,542 a year or more.
Annual premium for full coverage: $902
Rate estimates for 1994 Audi S4 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1994 Audi S4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $426 for basic liability insurance to a much higher rate of $1,932 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1994 Audi S4 Insurance
Sick and tired of paying out the nose to buy car insurance? Your situation is no different than many other consumers.
Because you have many choices of insurance companies, it can be diffult for consumers to locate the most cost effective company.
It’s a good habit to get comparison quotes at least once a year since rates trend upward over time. Even if you think you had the lowest rates for S4 insurance on your last policy a different company probably has better rates today. Block out anything you think you know about insurance because we’re going to demonstrate the fastest way to buy cheaper insurance.
This information will familiarize you with the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using this strategy. Although consumers should learn the methods companies use to price online insurance and apply this information to your search.
How to Compare Insurance Coverage Costs
There are several ways of comparing rate quotes from insurance coverage companies in your area. The easiest way to find competitive 1994 Audi S4 insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.
Probably the best way to get quotes is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quote forms to each individual insurance coverage company. Filling out one form will return price quotes direct from many companies.
A different way to find lower rates requires visiting the website of each company and complete a new quote form. For examples sake, let’s say you want rates from Liberty Mutual, 21st Century and GMAC. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
However you get your quotes, double check that you are using apples-to-apples quote information for each comparison quote. If each company quotes higher or lower deductibles it will be very difficult to decipher which rate is best. Having just a slight variation in insurance coverages may cause a big price difference. Just remember that getting more free quotes will improve the odds of getting a lower rate.
Pay less for Audi S4 insurance
The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked about before you will receive the discount.
- Own a Home – Owning a home can save you money because owning a home requires personal responsibility.
- Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared with drivers who are more careless.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates for S4 insurance.
- Low Mileage Discounts – Fewer annual miles on your Audi could qualify for better rates on cars that stay parked.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way. But all discounts will reduce the amount you have to pay.
Companies that possibly offer these discounts include:
Before buying, ask each insurance company how you can save money. Savings might not apply everywhere.
Tailor your coverage to you
When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if you may require specific advice.
- If my 1994 Audi S4 is totaled, can I afford another vehicle?
- Does my policy cover me when driving someone else’s vehicle?
- Is my state a no-fault state?
- What if I don’t agree with a claim settlement offer?
- Is my ex-spouse still covered by my policy?
- Do I need an umbrella policy?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my 1994 Audi S4 covered for flood damage?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Detailed coverages of your car insurance policy
Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.
Liability insurance can cover damage that occurs to a person or their property. 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. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like emergency aid, medical expenses, structural damage, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Comprehensive (Other than Collision)
This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from getting keyed, falling objects and theft. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like sideswiping another vehicle, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, funeral costs, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Audi S4.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Rates by U.S. City
|New York City, NY||$1,422|
|Los Angeles, CA||$1,542|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$57|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$34|
Discounts are estimated and may not be available from every company or in every state.