Cheap 2008 Audi S4 Insurance Rates

Looking for cheaper auto insurance rates for your Audi S4? No sane person fancies paying their premiums for auto insurance, especially knowing it costs too dang much.

Many car insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

It’s a great practice to get comparison quotes periodically because auto insurance prices change frequently. Just because you had the best rate for S4 insurance a couple years back you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the fastest way to buy cheaper auto insurance.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not rocket science. Although consumers should learn how big insurance companies determine prices.

How to compare car insurance price quotes

There are a variety of methods to shop for car insurance, but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many insurance companies belong to an insurance system where insurance shoppers submit one quote, and every company can provide price quotes. This system prevents you from having to do quote requests for every car insurance company.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is that consumers can’t choose which carriers you want to price. If you prefer to choose specific insurance companies to request quotes from, we have a page of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare the exact same quote data for each quote you get. If each company quotes different values for each quote you can’t possibly determine the lowest rate for your Audi S4. Just a small difference in limits may cause a big price difference. Keep in mind that making a lot of price comparisons increases your odds of finding the best rates. Some smaller insurers to not give online price quotes, so it’s recommended that you also compare price quotes from them, too.

Tailor your insurance coverage to you

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether you would benefit from professional advice.

• At what point should I drop full coverage?
• Do I need medical payments coverage since I have good health insurance?
• What vehicles should carry emergency assistance coverage?
• Is business property covered if stolen from my car?
• Does my car insurance cover rental cars?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Am I covered when driving in Canada or Mexico?
• Can my babysitter drive my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, vandalism, fire damage and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like pain medications, surgery, hospital visits, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, bail bonds, court costs, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

This will pay to fix damage to your S4 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.