How Much Does 2016 Audi S4 Car Insurance Cost in 2024?

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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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Comparing car insurance quotes online can be challenging if you are a beginner to quote comparisons online. But relax because finding affordable coverage online is easier than you think.

It’s a good idea to shop coverage around once or twice a year because prices trend upward over time. Even if you think you had the lowest price for S4 coverage a few years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the only way to find lower rates on insurance coverage.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. This information will help you learn the most effective way to quote insurance and some tricks to saving. But drivers need to have an understanding of how big insurance companies sell online and apply this information to your search.

How to compare auto insurance quotes

The majority of larger companies such as Progressive, Allstate and GEICO make it easy to get coverage price quotes online. Comparing rates online is quite easy because you just enter as detailed in the form. When complete, the quote system sends out for your driving and credit reports and returns a price quote.

Online price estimates makes comparing rates easy, but the process of having to visit multiple sites and type in the same information can be a bit repetitive. But it’s also necessary to perform this step if you want to find the best price possible.

The easiest way to compare auto insurance pricing uses just one form to obtain quotes from more than one company. The form is fast, reduces the work, and makes online shopping much simpler. After sending your information, your coverage is rated and you are able to buy any of the returned quotes.

If you find a better price you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To quickly use this form to compare rates, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you complete the form with coverages and limits identical to your current policy. This ensures you will have an apples-to-apples comparison for the exact same coverage.

Get cheap insurance coverage rates with discounts

Car insurance companies don’t necessarily list every discount available in a way that’s easy to find, so the list below details some of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Multi-line Discount – Select insurance carriers reward you with a lower price if you buy auto and life insurance together.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Telematics Data Discounts – Insureds that choose to allow driving data submission to scrutinize driving habits by using a telematic data system such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
  • Paperwork-free – Many companies may give you up to $50 get car insurance online.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Large insurance coverage companies and some of their more popular discounts are detailed below.

  • GEICO may offer discounts for driver training, five-year accident-free, multi-vehicle, seat belt use, emergency military deployment, and membership and employees.
  • Mercury Insurance policyholders can earn discounts including professional/association, anti-theft, annual mileage, type of vehicle, accident-free, and low natural disaster claims.
  • Farmers Insurance includes discounts for teen driver, youthful driver, business and professional, early shopping, homeowner, electronic funds transfer, and multi-car.
  • Auto-Owners Insurance has savings for multiple vehicles, student away at school, good student, paperless, safe driver, mature driver, and teen driver.
  • Liberty Mutual offers discounts including new graduate, safety features, new move discount, new vehicle discount, and good student.
  • SAFECO offers premium reductions for safe driver, teen safe driver, teen safety rewards, homeowner, multi-car, drive less, and accident prevention training.
  • Progressive may have discounts that include continuous coverage, good student, multi-policy, homeowner, and online quote discount.
  • USAA may include discounts for multi-policy, good student, family discount, military installation, and annual mileage.

When comparing rates, check with every company which discounts can lower your rates. A few discounts may not apply in your state. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

Audi S4 insurance costs can be cheaper

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but some are less obvious such as your credit history and annual miles driven.

Shown below are a few of the things used by your company to calculate prices.

  • Your car’s features help determine prices – Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your insurance. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
  • Careless driving means higher costs – Good drivers pay less for auto insurance as compared to careless drivers. Getting just one citation can bump up the cost substantially. People who have severe citations like DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 form with their state in order to legally drive.
  • Pay more of a claim out-of-pocket – Your deductibles tell how much you are willing to pay if a claim is determined to be covered. Coverage for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims could be colliding with a stationary object, vandalism, and damage caused by road hazards. The higher the amount you have to pay, the less money you will pay for insurance for S4 coverage.
  • Teenagers are high risk – Older people are shown to be more cautious, are lower risk to insure . Young drivers are proven to be easily distracted with other occupants in the car so they pay higher insurance rates.
  • What’s your car’s NHTSA crash test rating? – Safe vehicles get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts which can result in lower premiums. If the Audi S4 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Rural areas have lower premiums – Residing in a small town has it’s advantages when talking about insurance. Drivers in populated areas regularly have much more traffic and much longer commute distances. Fewer people translates into fewer accidents in addition to fewer liability claims.
  • Better credit means lower premiums – An insured’s credit score can be an important factor in determining premium rates. Consumers who have high credit scores tend to be less risk to insure than drivers with bad credit. If your credit rating is low, you could be paying less to insure your 2016 Audi S4 by improving your rating.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Why do I only qualify for high-risk insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out your zip code.

Misconceptions in insurance coverage advertisements

Insurance coverage providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make the same claim about savings if you move to their company. How does every insurance coverage company give you a lower rate? It’s all in how they say it.

All companies provide the lowest rates for the type of driver that will not have excessive claims. An example of this type of insured might be between the ages of 30 and 45, carries high limits, and drives newer vehicles. A customer that matches those criteria will get low car insurance rates and will most likely cut their rates substantially.

Drivers who are not a match for these standards will have to pay a higher premium and ends up with the customer buying from a different company. Company advertisements say “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can lure you into getting a quote.

Because of this risk profiling, you need to compare many company’s prices. It’s impossible to know the company that will have the lowest premium rates for your situation.

Insurance coverages explained

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, vandalism, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

This covers damage to your S4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, structural damage, medical services, attorney fees and pain and suffering. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Audi S4.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

More comparisons equals lower rates

When getting car insurance quotes online, make sure you don’t reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Cheaper 2016 Audi S4 insurance can be purchased both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and many times these small, regional companies provide coverage only through local independent agencies.

We just covered some good ideas how you can compare 2016 Audi S4 insurance premium rates online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the best price on auto insurance is with some of the smallest insurance companies.

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