2021 Audi S4 Insurance Cost in 2024 – 6 Tricks for Cheaper Prices

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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 20, 2024

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Comparison shopping for more affordable car insurance may be frustrating for drivers who are beginners to quoting and comparing rates online. With such a large number of agents and insurers to choose from, it can easily become a difficult mission to find better rates.

It’s important to check car insurance prices yearly since rates go up and down regularly. Despite the fact that you may have had the best rate for S4 insurance last year the chances are good that you can find a lower price today. There are a lot of ways to save on car insurance out there, but in just a couple of minutes you can learn some of the best ways to lower your car insurance premiums.

Car insurance discounts are available to lower your rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but some discounts are required to be specifically requested prior to receiving the credit.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • One Accident Forgiven – but companies like GEICO and Liberty Mutual will allow you to have one accident before hitting you with a surcharge so long as you are claim-free before the accident.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company they may give you a discount of approximately 10% to 15%.
  • Data Collection Discounts – Drivers that enable driving data collection to track when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Service Members Pay Less – Being on active deployment in the military could mean lower rates.

As is typical with insurance, most discount credits are not given to the whole policy. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

A few of the larger companies and the discounts they provide are shown below.

  • AAA has discounts for multi-car, anti-theft, good student, pay-in-full, education and occupation, and multi-policy.
  • Progressive offers discounts including multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, online quote discount, and good student.
  • State Farm may have discounts that include Steer Clear safe driver discount, multiple policy, defensive driving training, multiple autos, and accident-free.
  • Esurance has savings for online shopper, paid-in-full, renters, good driver, anti-theft, and anti-lock brakes.
  • Nationwide offers premium reductions for good student, business or organization, multi-policy, family plan, and accident-free.

When getting a coverage quote, ask all the companies what discounts are available to you. A few discounts may not apply to policies everywhere.

Free insurance price quotes

When shopping for cheap car insurance quotes, there are a couple of ways of comparing rates from many different insurance companies. The fastest way to lower the rate you pay for 2021 Audi S4 insurance is to get quotes online. This can be done by using one of the methods below.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form. This style of form prevents you from having to do separate quotes for every insurance company. One form submission will return quotes from multiple low-cost companies. It’s definitely the quickest method.

A slightly less efficient method to compare rate quotes is to take the time to go to each company website and repeat the quote process. For sake of this example, let’s assume you want comparison quotes from Nationwide, Progressive and Farmers. You would need to go to every website to enter the same coverage data repeatedly, which is why most consumers use the first method.

It’s up to you which method you use, but do your best to use exactly the same deductibles and coverage limits with each company. If you have mixed coverages it will be very difficult to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing a large number of companies helps improve the odds of finding more affordable insurance.

Everyone needs different car insurance coverages

When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether you could use an agent’s help.

  • Do I need replacement cost coverage?
  • Should I rate my 2021 Audi S4 as pleasure use or commute?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the difference between comprehensive and collision coverage?
  • Is my 2021 Audi S4 covered for flood damage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are split liability limits better than a combined single limit?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, dental work, hospital visits, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from getting keyed and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for 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, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Liability insurance

This provides protection from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as emergency aid, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Don’t be a big spender

Budget-conscious 2021 Audi S4 insurance can be sourced both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide rates over the internet and usually these regional insurance providers provide coverage only through independent insurance agencies.

Insureds switch companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer or being labeled a high risk driver. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

We just covered a lot of ways to shop for 2021 Audi S4 insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. You may even find the lowest rates come from some of the lesser-known companies.

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