Cheapest San Antonio Audi S4 Insurance

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Want to know an easy way to compare more competitive Audi S4 insurance in San Antonio? If you're shopping for lower-cost insurance on the web, are you baffled by the crazy number of auto insurance choices that you can choose from? You're not alone. People have such a large number of options that it is a burden to locate the lowest rates for Audi S4 insurance in San Antonio. San Antonio is a great place to live, but expensive auto insurance rates makes it very hard to affordably buy enough coverage.

Insurance quote for Audi S4 in San AntonioIt's an obvious assumption that insurance companies don't want customers comparing rates. Drivers who shop around for a cheaper policy are highly likely to move their business because there is a high probability of finding a more affordable policy. A study showed that consumers who made a habit of comparing rate quotes saved on average $865 a year compared to those who never compared prices.

If saving money on Audi S4 insurance in San Antonio is your intention, then having some knowledge of how to compare insurance rates can save time and make the process easier.

Smart consumers take time to compare prices every six months since insurance prices are constantly changing. If you had the lowest price on Audi S4 insurance in San Antonio a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you're about to learn the best methods to reduce your cost while improving coverage.

The quickest way to get policy rate comparisons for Audi S4 insurance in San Antonio takes advantage of the fact most of the larger companies allow for online access to give free rates quotes. To get started, all you need to do is provide details such as your general credit rating, distance driven, the ages of drivers, and coverage limits. That rating data is sent automatically to insurance carriers in your area and they respond with quotes with very little delay.

To start a quote now, click here and complete the form.

The companies shown below can provide comparison quotes in San Antonio, TX. If several companies are displayed, we suggest you compare several of them to get the cheapest price.

Affordable Audi S4 insurance quotes in San Antonio

Car insurance companies don't list every possible discount in a way that's easy to find, so we researched a few of the more well known and also the more inconspicuous ways to save on insurance. If you do not double check each discount available, you are throwing money away.Insurance discounts

  • More Vehicles More Savings - Buying coverage for multiple cars or trucks with one company can get a discount on all vehicles.
  • Renewal Discounts - A few insurance companies allow discounts for signing up before your current coverage expires. You can save around 10% with this discount.
  • Smart Student Discounts - This discount can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • College Student - Older children who are enrolled in a college that is more than 100 miles from San Antonio without a vehicle on campus may be able to be covered for less.

We need to note that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, that's just not realistic.

The illustration below compares Audi S4 insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

Some companies that possibly offer some of the above discounts may include but are not limited to:

When quoting, ask each company how many discounts you can get. Savings might not apply everywhere. To view insurance companies offering insurance discounts in San Antonio, click here.

Coverage analysis

The coverage table displayed next highlights detailed analysis of insurance costs for Audi S4 models. Having a better idea how policy premiums are determined can help you make decisions when shopping your coverage around.

Audi S4 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $376 $836 $334 $20 $100 $1,666 $139
S4 Quattro 4-Dr Sedan $376 $836 $334 $20 $100 $1,666 $139
S4 Quattro 4-Dr Sedan $414 $836 $334 $20 $100 $1,704 $142
S4 Quattro 4-Dr Sedan $414 $836 $334 $20 $100 $1,704 $142
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can revise rates considerably.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below sum up the costs and benefits of buying low and high physical damage coverage deductibles. The first rate table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Audi S4 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $412 $908 $324 $20 $96 $1,785 $149
S4 Quattro 4-Dr Sedan $412 $908 $324 $20 $96 $1,785 $149
S4 Quattro 4-Dr Sedan $454 $908 $324 $20 $96 $1,827 $152
S4 Quattro 4-Dr Sedan $454 $908 $324 $20 $96 $1,827 $152
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Audi S4 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $228 $478 $324 $20 $96 $1,146 $96
S4 Quattro 4-Dr Sedan $228 $478 $324 $20 $96 $1,146 $96
S4 Quattro 4-Dr Sedan $252 $478 $324 $20 $96 $1,170 $98
S4 Quattro 4-Dr Sedan $252 $478 $324 $20 $96 $1,170 $98
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can raise or lower prices noticeably.

Based on the data above, we can derive that using a $100 deductible costs approximately $54 more each month or $648 for a full year averaged for all S4 models than opting for the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 17 months between claim filings, you would probably come out ahead if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $151
Average monthly premium for $1,000 deductibles (subtract): - $97
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important note is that increasing deductibles to save money means you pay more out-of-pocket when you have a claim. You need to have enough money put aside in order to pay the higher deductible in order to repair your vehicle.

Careless drivers pay higher rates

The example below illustrates how speeding tickets and at-fault fender-benders drive up Audi S4 auto insurance costs for different age categories. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The example below shows the comparison of Audi S4 auto insurance costs when comparing full coverage to state minimum liability only. The rate quotes are based on no claims or driving citations, $250 deductibles, single status, and no discounts are applied.

When to drop comp and collision

There is no set guideline of when to phase out physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Audi S4 book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying your policy deductible. If you are paying in excess of $700 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Lower the Price of Car Insurance with These Tips

Consumers need to have an understanding of the factors that are used to determine your premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings.

The factors shown below are a partial list of the pieces utilized by car insurance companies to help set prices.

  • Deductibles are a factor - Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims could be collision with another vehicle, collision with a deer, and having a roll-over accident. The larger the amount you have to pay, the better rate you will receive.
  • Insure car and home with the same company - Most major insurers afford a discount to policyholders that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it's in your best interest to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find lower rates even if you insure with multiple companies
  • Never have car insurance policy lapses - Having a lapse in insurance coverage is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.
  • Battle of the sexes - Statistics demonstrate that men are more aggressive behind the wheel. This data doesn't prove that men are worse drivers. Women and men are responsible for auto accidents in similar percentages, but males tend to have higher claims. They also have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore pay the highest rates.

    The information below shows the comparison of Audi S4 annual premium costs for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $250 deductibles, drivers are not married, and no other discounts are factored in.

  • Liability coverage claims can be big - The liability coverage on your policy kicks in if ever you are found to be at fault for damages caused by your negligence. Your policy's liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Where you live is a factor - Residing in less populated areas is a good thing when buying car insurance. Lower population corresponds to lower accident rates and a lower car theft rate. Drivers who live in large Texas cities tend to have much more traffic and more severe claims. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Safer the car lower the rate - Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims and lower rates for you. If your Audi earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Lower rates with GPS tracking and theft deterrents - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
  • Insurance loss data for Audi S4 vehicles - Companies take into consideration historical loss data for every vehicle to help determine the price you pay. Models that the statistics show to have high amounts or severity of claims will have a higher premium rate. The data below shows the insurance loss data for Audi S4 vehicles.

    For each policy coverage, the loss probability for all vehicles, regardless of make or model, equals 100. Numbers shown that are under 100 indicate better than average losses, while numbers above 100 indicate more frequent claims or a tendency for losses to be larger than average.

    Audi S4 Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Audi S4 4dr 4WD 206 78 182 51 57 75
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Insurance agent or online?

Some people still prefer to talk to an insurance agent. An additional benefit of getting free rate quotes online is you can get cheap insurance quotes but also keep your business local. And supporting neighborhood agents is especially important in San Antonio.

Find insurance agent in San AntonioUpon completion of this form (opens in new window), the quote information is sent to local insurance agents in San Antonio that can provide free San Antonio car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to contact an agency as quotes are delivered instantly to you. It's the lowest rates without requiring a lot of work. If you need to get a price quote from a particular provider, don't hesitate to navigate to their website and complete a quote there.

If you want to use an insurance agent, there are a couple of different types of agencies from which to choose. San Antonio agents can be classified as either independent agents or exclusive agents.

Independent Insurance Agencies or Brokers

Independent agencies often have affiliation with several companies and that enables them to quote your coverage with lots of companies and get you the best rates possible. To move your coverage to a new company, the agent simply finds a different carrier and you stay with the same agent. If you are comparing insurance prices, you absolutely need to compare quotes from a few independent agents in order to have the best price comparison. A lot of them also have access to less well-known companies which may have better rates.

Shown below are San Antonio independent agents who may provide comparison quotes.

View more San Antonio agents

Exclusive Insurance Agencies

Exclusive agencies generally can only insure with one company and examples are Allstate and State Farm. These agents are unable to shop your coverage around so keep that in mind. These agents are well schooled on what they offer which can be an advantage. Consumers frequently use the same agent mostly because of high brand loyalty and solid financial strength.

Shown below is a short list of exclusive agencies in San Antonio who can help you get price quote information.

View more San Antonio agents

Picking an auto insurance agent should include more criteria than just the bottom line cost. You should also get answers to these questions.

  • What are their preferred companies if they are an independent agency?
  • Are they full-time agents?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which company do they place the most coverage with?
  • Do the agents have professional certifications like CPCU or CIC?
  • Can you choose the body shop in case repairs are needed?

Situations that may require an agent's advice

When selecting a policy for your personal vehicles, there isn't really a best way to insure your cars. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For example, these questions might help in determining if you may require specific advice.

  • Does every company file a SR-22 automatically?
  • Is a fancy paint job covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I get insurance after a DUI in Texas?
  • What states are considered no-fault?
  • Is my custom stereo system covered?
  • Should I buy only the required Texas minimum liability coverage?
  • How do I buy GAP insurance?
  • Is there coverage for my trailer?
  • At what point should I drop full coverage?

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

One last note

When buying insurance coverage, you should never buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

We just presented many tips how you can get a better price on Audi S4 insurance in San Antonio. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding affordable San Antonio car insurance quotes. You may even find the best price on insurance is with a lesser-known regional company.

Consumers leave their current company for a variety of reasons including policy cancellation, unfair underwriting practices, not issuing a premium refund or even high rates after DUI convictions. Regardless of your reason for switching companies, switching companies is not as hard as you think.

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