1992 Audi S4 Car Insurance Cost – 10 Tips for Best Prices

Feel like you have an underperforming, overpriced auto insurance policy? It’s a common feeling and there are lots of people in the same boat. You have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, having more insurers makes it harder to compare company pricing.

It’s a great practice to quote other rates before your next renewal because auto insurance prices trend upward over time. Just because you had the best rates on S4 coverage a couple years back the chances are good that you can find a lower rate quote today. There is too much inaccurate information about auto insurance out there, but in a few minutes you can learn some of the best techniques to lower your auto insurance premiums.

Locating more affordable insurance coverage coverage can be fairly easy. If you have a policy now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Consumers only need to know the most effective way to compare company rates online.

Auto insurance quotes comparison

Finding more affordable auto insurance rates is not a difficult process. The only thing you need to do is invest a few minutes to compare rate quotes from different insurance companies. This can be done by following the guidelines below.

If you’re in a hurry, the quickest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This style of form prevents you from having to do repetitive form entry for every auto insurance company. A single form gets rate comparisons from several companies.

Another way to obtain and compare quotes online consists of going to the website for each individual company and complete a new quote form. For examples sake, let’s say you want rates from Nationwide, Allstate and Liberty Mutual. In order to compare rates, you need to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you compare equivalent coverage limits and deductibles on every price quote you get. If you enter unequal deductibles or liability limits it’s impossible to determine which company has the best rates.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

• Do I need rental car coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• If I drive on a suspended license am I covered?
• If my 1992 Audi S4 is totaled, can I afford another vehicle?
• When would I need additional glass coverage?
• Is a fancy paint job covered?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive protection

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 things such as vandalism, rock chips in glass, hitting a bird and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your S4 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi S4.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverage

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, medical expenses, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like chiropractic care, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage