Save on Audi S4 Insurance in Seattle

If you’re searching for lower-priced insurance online, are you baffled by the sheer number of auto insurance sources available to you? Many other people are as well. Washington drivers have so many sources to choose from that it can be a difficult challenge to find lower premium rates on Audi S4 insurance. Lots of people think Seattle has many things to offer, but paying high auto insurance rates can make it very difficult to purchase enough protection.

Statistics show that the vast majority of consumers renewed their policy with the same company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. The average driver in Washington could cut their rates by roughly 40% a year just by getting comparison quotes, but they underestimate how much money they would save if they moved their coverage to a different company.

You should take the time to compare premium rates quite often due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Audi S4 insurance in Seattle at your last renewal other companies may now be cheaper. There is a lot of bad advice regarding S4 insurance out there, but in this article, you’re going to get some great ideas on how to put money back in your pocket.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that can dramatically reduce your bill. Most are applied when you purchase, but a few need to be asked about before being credited.

• Bundle and Save – If you have multiple policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
• Accident Waiver – Not really a discount, but a few companies such as GEICO, Progressive, and Allstate allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease depending on your auto insurance provider.
• Accident-Free Discounts – Seattle drivers who stay claim-free get the best auto insurance rates in comparison to accident-prone drivers.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.

As a sidenote, most discounts do not apply to the whole policy. Most cut individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

A few popular companies and their offered discounts are outlined below.

• State Farm may include discounts for safe vehicle, good driver, good student, multiple autos, and passive restraint.
• American Family policyholders can earn discounts including good student, early bird, accident-free, bundled insurance, and air bags.
• GEICO offers premium reductions for military active duty, defensive driver, multi-vehicle, anti-lock brakes, seat belt use, multi-policy, and air bags.
• 21st Century has discounts for air bags, driver training, anti-lock brakes, 55 and older, and automatic seat belts.
• Progressive offers discounts including online signing, homeowner, good student, online quote discount, continuous coverage, and multi-policy.

Before you buy a policy, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere. To locate providers with discount rates in Seattle, follow this link.

How to shop Audi S4 insurance online

When comparing auto insurance rates, know that comparing more rates from different companies helps increase your odds of locating the best price. Some smaller insurers do not give price estimates online, so you need to compare rates from those companies as well.

The following companies are our best choices to provide price quotes in Washington. If several companies are displayed, we suggest you click on several of them in order to get a fair rate comparison.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Seattle which can alter auto insurance rates greatly.

Responsible drivers pay cheaper car insurance rates

The diagram below illustrates how traffic citations and at-fault accidents increase Audi S4 yearly insurance costs for each different age category. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Rate comparison for different deductibles

One common question asked by Seattle drivers is how high should the deductibles for physical damage be. The comparison tables below sum up how much more rates are when you choose different physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific Seattle garaging location which can modify price quotes significantly.

Based on the above data, using a $250 deductible costs an average of $30 more each month or $360 for a full year than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 25 months between claim filings, you would come out ahead if you choose a higher deductible.

What Impacts Audi S4 Insurance Premiums?

Consumers need to have an understanding of the different types of things that are used to determine car insurance rates. If you have a feel for what impacts premium levels, this allows you to make good choices that could result in much lower annual insurance costs.

Listed below are just a few of the factors used by your company to calculate rates.

Rental and towing coverage may not be needed – There are a ton of optional add-on coverages that may not really be needed if you aren’t diligent. Insurance for personal injury protection, accident forgiveness, and extra life insurance coverage may be costing you every month. These may sound like a good investment when buying your policy, but if you don’t need them eliminate them to save money.

Get cheaper premiums if you’re married – Walking down the aisle may cut your premiums on car insurance. Marriage generally demonstrates drivers are more mature and it’s statistically proven that being married results in fewer claims.

Gender and insurance – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause fender benders in similar percentages, but the male of the species tend to have more serious accidents. They also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.

Prevent car insurance lapses – Going without insurance will be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a steep fine or even jail time.

Location can impact price – Being located in small towns and rural areas has definite advantages when shopping for auto insurance. People who live in big cities have to deal with more auto accidents and more severe claims. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims.

Audi S4 claim probability – Insurance companies take into consideration historical loss data for every vehicle in order to profitably underwrite each model. Vehicles that historically have higher frequency or amount of claims will cost more to insure. The table shown below demonstrates the compiled insurance loss statistics for Audi S4 vehicles.

For each type of coverage, the claim amount for all vehicles, as a total average, is equal to 100. Values that are 100 or less imply a favorable loss record, while percentages above 100 point to more losses or tendency to have higher losses.

Exclusive or independent insurance agencies

Many people just prefer to buy from a licensed agent and that can be a smart move An additional benefit of comparing rates online is you can get cheaper prices and still have an agent to talk to.

By using this short form, your information is transmitted to insurance agents in Seattle who will give you bids for your insurance coverage. You won’t need to visit any agencies as quotes are delivered directly to you. You’ll get the best rates and a licensed agent to work with. In the event you want to quote rates from a specific insurance company, don’t hesitate to jump over to their website and give them your coverage information.

Picking the best insurer requires more thought than just a cheap price quote. Agents should be asked these questions:

• Do they feel the quoted coverages are adequate?
• Are there any discounts for paying up front?
• Do they assist clients in filing claims?
• What company holds the largest book of business for them?
• Do they receive special compensation for putting your coverage with one company over another?
• If your car is in the repair shop, do you have coverage for a rental car?
• Can they help ensure a fair claim settlement?

Upon receiving reasonable responses to any questions you have as well as a price you’re happy with, chances are good that you have found an insurance company that is reliable enough to provide insurance coverage. Just remember you are entitled to cancel a policy whenever you want so don’t think you’re contractually obligated to a specific company for the full policy term.

Three main reasons to buy car insurance

Despite the fact that car insurance is not cheap in Seattle, maintaining insurance is required for several reasons.

• The majority of states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to drive the car legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Audi S4, almost all lenders will require you to have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Audi at a much higher premium rate and require you to pay for it.
• Insurance protects both your Audi and your assets. It will also cover medical bills for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance more than offset the price you pay, particularly for liability claims. Unknowingly, the average driver is wasting up to $825 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.

Final considerations

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage and learned later they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, lack of trust in their agent and even being labeled a high risk driver. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We just covered many ways to find cheaper Audi S4 insurance in Seattle. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper Seattle car insurance quotes. Consumers may even find the biggest savings come from a smaller regional carrier.

Additional car insurance information is located below:

• Get the Right Protection (InsureUonline.org)
• Who Has Affordable Car Insurance Rates for a Company Car in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Seattle? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)