2022 Audi S4 Insurance Quotes in 2024 – 8 Tips for Best Rates

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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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Locating the most affordable auto insurance might seem rather challenging for drivers not familiar with price shopping on the internet. With such a large number of online companies, how are drivers able to have a chance to compare all the different companies and get better auto insurance prices?

You should take the time to check auto insurance prices every six months since prices are rarely the same from one policy term to another. Even if you think you had the best deal for S4 insurance last year you can probably find a better rate quote now. Forget all the misinformation about auto insurance because you’re about to learn the tricks you need to know to find better coverage at a better price.

Compare car insurance quotes

When shopping for inexpensive auto insurance quotes, there are a couple of ways of comparing price quotes from many car insurance companies in your state. The recommended way to find cheaper 2022 Audi S4 rates is simply to get online rate quotes. It’s really quite simple and can be done using a couple different methods.

The fastest way consumers can analyze rates is an all-inclusive rate comparison. This quick form saves time by eliminating multiple quote forms for every company. Filling out one form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.

A different way to analyze rates consists of visiting each company’s website and fill out a new quote form. For examples sake, let’s assume you want to compare prices for GEICO, State Farm and Allstate. You would have to navigate to each company’s site and repeatedly enter your information, which can get rather old.

The least efficient way to get rate quotes is to spend your day driving to local insurance agencies. The internet has made agencies unnecessary unless you’re the type of person who wants the advice and guidance of a licensed agent. If you prefer, some companies allow you to obtain prices from the web and get advice from an agent in your area.

Whichever way you use, try to keep nearly identical coverage limits and deductibles on every quote. If you are comparing unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Just slight variations in coverage limits could skew the results. And when comparison shopping, obtaining a wide range of quotes will enable you to find lower pricing. Some smaller insurers to not give price estimates online, so you need to compare price estimates from the smaller companies as well.

Don’t overlook these eight insurance coverage discounts

Insurance can be prohibitively expensive, but there could be significant discounts that may help make it more affordable. Certain credits will be shown when you quote, but once in a while a discount must be requested specifically in order for you to get them.

  • College Student Discount – Kids living away from home attending college and leave their car at home can be insured at a reduced rate.
  • Include Life Insurance and Save – Larger insurance coverage companies have a discount if you purchase a life insurance policy as well.
  • Military Deployment Discount – Having a family member in the military could qualify you for better rates.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to study their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks as long as they are good drivers.
  • Sign Online – Some of the larger companies will give a small break get auto insurance on their website.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can get savings as much as 30%.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount due to better safety requirements for new model year vehicles.

Don’t be shocked that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, that’s just not realistic.

Companies that may offer these money-saving discounts possibly include:

  • Progressive
  • State Farm
  • Esurance
  • The Hartford

If you need low cost auto insurance quotes, ask each insurance company which discounts you qualify for. A few discounts may not be offered everywhere. To locate insurance companies who offer discounts, enter your zip code here.

When to get professional advice

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions might help in determining whether or not you may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving out-of-state?
  • Why do I only qualify for high-risk insurance?
  • Do I need Motor Club coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I insured when driving a different vehicle?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code.

Information about specific coverages

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not 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. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, emergency aid and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage covers damage to your S4 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for dental work, prosthetic devices, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Compare but don’t skimp

Lower-priced car insurance is attainable online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and most of the time these regional insurance providers only sell through local independent agents.

We just covered some good ideas how to reduce 2022 Audi S4 insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. You may be surprised to find that the lowest rates are with an unexpected company.

When searching for cheap auto insurance quotes, you should never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

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