2018 Audi RS 4 Insurance Rates in 2024 – 5 Discounts for Cheaper Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 16, 2024

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Vehicle owners who just recently started comparing car insurance rates on the internet are likely to find buying low cost insurance is very challenging.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to save some money using this strategy. Nevertheless, vehicle owners must know the methods companies use to market insurance on the web and apply this information to your search.

More discounts mean lower-cost premiums

Companies don’t list the complete list of policy discounts in an easy-to-find place, so the list below details some of the best known in addition to some of the lesser obvious credits available to you.

  • Sign Early and Save – A few companies give discounts for renewing your policy prior to your current policy expiration. This discount can save up to 10%.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn at least 10 to 15 percent or more.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
  • Good Student – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
  • Senior Citizens – Mature drivers may be able to get better car insurance rates on RS 4 insurance.

A little disclaimer on discounts, some credits don’t apply to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few of the larger companies and some of the discounts are detailed below.

  • Progressive discounts include multi-policy, homeowner, good student, multi-vehicle, continuous coverage, and online quote discount.
  • Farmers Insurance may include discounts for bundle discounts, multi-car, youthful driver, mature driver, electronic funds transfer, good student, and alternative fuel.
  • Farm Bureau offers premium reductions for safe driver, youthful driver, 55 and retired, good student, multi-vehicle, and renewal discount.
  • State Farm has savings for accident-free, driver’s education, passive restraint, safe vehicle, multiple autos, defensive driving training, and multiple policy.
  • GEICO may offer discounts for multi-policy, seat belt use, federal employee, driver training, and good student.
  • SAFECO has discounts for homeowner, accident prevention training, anti-theft, drive less, teen safe driver, and safe driver.
  • Liberty Mutual offers discounts for new vehicle discount, preferred payment discount, multi-policy, newly retired, and new move discount.

Double check with each company which credits you are entitled to. All car insurance discounts may not apply in your area. To find providers with the best discounts, enter your zip code here.

Compare quotes for car insurance

There are a lot of ways to compare car insurance prices but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use the internet to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers send in one quote, and at least one company provides a quote determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To compare pricing enter your zip code here.

The single downside to using this type of form is you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just make sure you compare the exact same quote data with each company. If your comparisons have differing limits it will be very difficult to decipher which rate is best. Just a small difference in limits could throw off the whole comparison. And when quoting car insurance, remember that getting more free quotes increases the change that you will find the best price.

It’s not one size fits all

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Do I need Motor Club coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Which is better, split liability limits or combined limits?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I get collision insurance on every vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out your zip code.

Auto insurance policy coverages for a 2018 Audi RS 4

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Audi RS 4.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto liability – This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, medical services, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This pays for damage to your RS 4 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, X-ray expenses, doctor visits, ambulance fees and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, hitting a bird and a broken windshield. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop Smart and Save

Insureds leave their current company for many reasons like policy non-renewal, high rates after DUI convictions, extreme rates for teen drivers or questionable increases in premium. It doesn’t matter why you want to switch finding a new insurance coverage company is not as hard as you think.

Cheaper insurance coverage can be bought online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these smaller providers only sell through local independent agents.

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

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