Compare Audi S4 Insurance Quotes in Los Angeles

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Insurance for Audi S4Are you sick and tired of robbing Peter to pay Paul to pay insurance each month? Your situation is no different than millions of other consumers.

Anyone knows that insurance companies want to keep you from shopping around. Consumers who get price comparisons are very likely to buy a new policy because there is a high probability of finding better rates. A recent survey found that drivers who shopped around every year saved on average $850 each year as compared to drivers who never compared rates.

If saving the most money on Audi S4 insurance in Los Angeles is the reason for your visit, understanding how to quote prices and compare coverage rates can help make the process easier and more efficient. Companies like GEICO, Farmers Insurance and State Farm continually hit you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It's a good habit to do rate comparisons before your next renewal since insurance rates fluctuate regularly. Just because you found the lowest rate on Audi S4 insurance in Los Angeles on your last policy you can probably find a better price now. Ignore everything you know about insurance because you're going to learn the fastest way to remove unneeded coverages and save money.

How You Can Control Audi S4 Insurance Rates

Many factors are considered when you get your auto insurance bill. Most are fairly basic such as your driving record, but other criteria are less obvious such as your credit history or how safe your car is.

Expect high rates for teens - Teen drivers in California tend to be more careless behind the wheel and because of this, their auto insurance rates are much higher. More mature drivers have been proven to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Annual mileage and car insurance prices - Driving a lot of miles in a year the more you'll pay to insure it. A lot of insurance companies apply a rate partially by how you use the vehicle. Autos used primarily for pleasure use can be on a lower rate level than those used for commuting. An incorrectly rated S4 can cost quite a bit. It's a good idea to make sure your vehicle rating correctly shows the correct driver usage, because improper ratings can cost you money.

Coverage lapses lead to higher rates - Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, the inability to provide proof of insurance may result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the California department of motor vehicles.

Traffic violations mean higher premiums - Drivers who don't get tickets pay less for auto insurance as compared to those with violations. Even a single ticket could increase your next policy renewal twenty percent or more. Drivers who have flagrant tickets such as DUI or willful reckless driving may need to complete a SR-22 with their state's licensing department in order to legally drive a vehicle.

The illustration below illustrates how violations and at-fault collisions can drive up Audi S4 premium costs for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Minor frequent auto insurance claims are not good - If you file claims often, you can expect higher premiums or even policy non-renewal. Car insurance companies in California provide discounts to drivers who do not rely on their insurance for small claims. Your car insurance is designed for major claims that would cause financial hardship.

Audi S4 insurance loss statistics - Companies use historical loss data when they calculate premium rates for each model. Vehicles that statistically have higher prevalence or dollar amount of losses will have higher premium rates.

The table below demonstrates the actual insurance loss data for Audi S4 vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, equals 100. Numbers shown that are under 100 indicate a favorable loss history, while values over 100 point to more losses or an increased chance of larger losses than average.

Audi S4 Insurance Claim Statistics
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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Getting a cheaper price on insurance doesn't have to be difficult. Drivers just need to take the time comparing price quotes online with multiple companies.

It's so fast and easy to compare price quotes online that it takes the place of having to call or drive to different Los Angeles agent offices. The fact that you can get quotes online eliminates this option unless your situation requires the professional abilities that can only be provided by a licensed insurance agent. Some companies do allow you to get prices online but buy from a local insurance agent.

The car insurance companies shown below can provide quotes in California. If several companies are displayed, we suggest you visit as many as you can to find the cheapest car insurance rates.

Data for Audi S4 insurance

The table below outlines estimates of coverage costs for Audi S4 models. Learning how auto insurance premiums are determined is important to be able to make smart choices when buying a car insurance policy.

Audi S4 Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific Los Angeles garaging location which can increase or decrease insurance rates considerably.

Deductible analysis

When buying car insurance, a common question is the level to set your comp and collision deductibles. The rates below can help show the rate differences when you select higher and lower coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Audi S4 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $430 $882 $376 $22 $112 $1,847 $154
S4 Quattro 4-Dr Sedan $430 $882 $376 $22 $112 $1,847 $154
S4 Quattro 4-Dr Sedan $474 $882 $376 $22 $112 $1,891 $158
S4 Quattro 4-Dr Sedan $474 $882 $376 $22 $112 $1,891 $158
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Audi S4 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $348 $712 $376 $22 $112 $1,570 $131
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
S4 Quattro 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
Get Your Own Customized Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in your specific Los Angeles location which can impact premium rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you about $23 more each month or $276 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 11 months between claims, you would most likely save money if you elect the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $156
Average monthly premium for $500 deductibles (subtract): - $133
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One thing to note is that a higher deductible means you will have to pay more of your own money when you file a claim. You will want to have enough extra money in the event you have to pay the deductible to have repairs made.

The chart below illustrates how your choice of deductibles and can impact Audi S4 insurance rates for each different age category. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Audi S4 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.

When to stop paying for full coverage

There is no set rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Audi S4 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If you are paying more than $500 a year to have full coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not a good plan. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Three good reasons to insure your vehicle

Despite the fact that insurance is not cheap in Los Angeles, buying insurance may be mandatory for several reasons.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your S4, more than likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi at a much higher rate and make you pay for it.

Third, insurance safeguards both your assets and your car. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver is wasting up to $800 each year so it's very important to do a rate comparison at least once a year to ensure rates are competitive.

Cheap Audi S4 insurance rates in Los Angeles

Car insurance can cost a lot, but you might already qualify for some discounts that can help lower your rates. A few discounts will automatically apply when you quote, but some must be inquired about before you get the savings.Discount auto insurance

  • Fewer Miles Equal More Savings - Low mileage vehicles can earn slightly better rates than normal.
  • Good Student Discount - Performing well in school can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Use Seat Belts - Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • ABS Braking Discount - Vehicles with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Memberships - Having an affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Home Ownership Discount - Owning your own home or condo may trigger a policy discount on auto insurance because owning a home requires personal responsibility.
  • Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy a life policy as well.
  • Early Renewal Discounts - Some larger companies give discounts for switching to them prior to the expiration date on your current S4 insurance policy. Ten percent is about the average savings.

Keep in mind that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way.

The chart below shows the comparison of Audi S4 annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.

A few of the larger companies and the discounts they provide can be found below.

  • Progressive policyholders can earn discounts including homeowner, online quote discount, continuous coverage, good student, multi-vehicle, online signing, and multi-policy.
  • AAA offers premium reductions for education and occupation, good driver, pay-in-full, good student, and anti-theft.
  • Farmers Insurance has discounts for pay in full, bundle discounts, mature driver, multi-car, alternative fuel, electronic funds transfer, and teen driver.
  • GEICO may offer discounts for membership and employees, military active duty, defensive driver, federal employee, anti-theft, air bags, and multi-policy.
  • Esurance includes discounts for good student, online quote, good driver, renters, and homeowner.
  • SAFECO may have discounts that include drive less, teen safety rewards, accident prevention training, homeowner, multi-car, teen safe driver, and safe driver.
  • State Farm offers discounts for student away at school, anti-theft, defensive driving training, good student, driver's education, Steer Clear safe driver discount, and good driver.

If you need the cheapest Audi S4 rate quotes, ask every company which discounts you qualify for. Discounts may not apply to policyholders in your state. To locate insurers with significant discounts in California, click here.

Independent versus exclusive auto insurance agents

Some people still like to sit down and talk to an agent and there is nothing wrong with that. Agents can point out coverage gaps and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that you can obtain cheap insurance quotes but also keep your business local. Supporting local insurance agencies is important particularly in Los Angeles.

Los Angeles insurance agentsBy using this quick form, your information is emailed to companies in Los Angeles who want to provide quotes for your insurance coverage. You won't even need to search for an agent because quoted prices will be sent instantly to you. If you want to get a price quote from a particular provider, feel free to visit that company's website and complete a quote there.

Picking a insurance company requires you to look at more than just the premium amount. A good agent in Los Angeles will have answers to these questions.

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they specialize in personal lines auto insurance in Los Angeles?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Has the agent ever had any license suspensions?
  • How many years have they been established?
  • Will they take your side in the event of a claim?

After talking to the agent and getting positive responses to any questions you may have in addition to an acceptable price estimate, it's a good possibility that you have found an provider that is professional and can properly service your insurance policy. Just understand that consumers can terminate your policy whenever you want so don't think that you are permanently stuck with a policy for a certain time period.

Affordable coverage is out there

Cost effective Audi S4 insurance can be purchased both online in addition to local insurance agencies, and you need to price shop both to have the best selection. A few companies don't offer the ability to get a quote online and many times these regional carriers only sell coverage through independent agencies.

We covered a lot of techniques to compare Audi S4 insurance premium rates in Los Angeles. It's most important to understand that the more times you quote, the higher the chance of saving money. You may even find the lowest premium rates come from a small mutual company. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.

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