Are you regretting the purchase of high-priced Audi S4 insurance in Phoenix? Don’t feel bad because there are lots of Phoenix residents who feel the same.
Unfortunately, the vast majority of Arizona insurance customers have remained with the same insurance company for four years or more, and 38% of drivers have never compared insurance rates at all. With the average insurance premium being $1,847, U.S. drivers could save approximately $860 each year, but they don’t believe the large savings they would see if they replace their high priced policy. With consumers having so many options when it comes to insurance, it can be hard to choose the lowest price insurer.
Smart consumers take time to shop coverage around every six months due to the fact that insurance rates change regularly. If you had the lowest rate on Audi S4 insurance in Phoenix a year ago the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about S4 insurance online, but I’m going to show you some of the best techniques to stop overpaying for insurance in Phoenix.
The purpose of this post is to teach you a little about how car insurance works and how to save the most money. If you have coverage now, you stand a good chance to be able to get lower rates using the following tips. Comparison shoppers just need to understand the most effective way to find the lowest price using one simple form.
The fastest way that we advise to get policy rate comparisons for Audi S4 insurance in Phoenix takes advantage of the fact auto insurance companies allow for online access to give free rates quotes. All you need to do is give the companies some data like coverage limits, the year, make and model of vehicles, if you are currently licensed, and what your job is. That rating data gets transmitted to multiple auto insurance providers and you should receive rate quotes quickly.
To get price quotes for your Audi S4 now, click here and complete the quick form.
The following companies provide price comparisons in Arizona. If multiple providers are shown, we recommend you visit several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S4 Quattro 4-Dr Sedan||$278||$736||$288||$18||$86||$1,406||$117|
|S4 Quattro 4-Dr Sedan||$204||$474||$268||$16||$80||$1,042||$87|
|S4 Quattro 4-Dr Sedan||$366||$600||$334||$20||$100||$1,420||$118|
|S4 Quattro 4-Dr Sedan||$358||$716||$254||$16||$76||$1,420||$118|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific Phoenix location which can impact rates considerably.
Safe drivers pay less for auto insurance
The information below demonstrates how traffic citations and at-fault accidents can drive up Audi S4 insurance costs for each different age category. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Why you need quality insurance for your Audi S4
Despite the potentially high cost of Audi S4 insurance, car insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means you are required to carry a minimum amount of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most banks will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Audi at a much higher premium rate and require you to reimburse them for it.
Third, car insurance preserves not only your Audi S4 but also your financial assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of having car insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $810 a year so compare rate quotes every year to save money.
Phoenix Insurance Rates are Influenced by These Factors
It’s important that you understand some of the elements that play a part in calculating car insurance rates. When consumers understand what influences your rates, this allows you to make educated decisions that will entitle you to lower car insurance prices. Many different elements are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are less apparent like your continuous coverage or how safe your car is.
The factors shown below are just a few of the factors that factor into prices.
- Where you live – Residing in a small town may provide you with better prices when trying to find low car insurance rates. Less people living in that area means less chance of accidents and a lower car theft rate. People who live in big cities tend to have traffic congestion and higher rates of accident claims. Higher commute times can result in more accidents.
- Youthful drivers cost more – More mature drivers are more responsible, cost insurance companies less in claims, and are generally more financially stable.Inexperience drivers are statistically shown to be easily distracted behind the wheel so car insurance rates are higher.
- Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates.
- Avoid unnecessary incidental coverages – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you aren’t careful. Add-on coverages like roadside assistance, death and dismemberment, and extra life insurance coverage are some examples. These may sound like a good investment initially, but now you might not need them so consider taking them off your policy.
- Companies want multiple policies – Most major insurance companies afford better rates to customers that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to compare other Phoenix S4 insurance rates to help guarantee you have the best rates. It’s possible to still find a better deal by buying insurance from more than one company.
- Job impacts rates – Do you work in a high-stress field? Jobs like real estate brokers, social workers and emergency personnel have higher premium rates in part from job stress and extremely grueling work hours. Conversely, jobs like farmers, historians and the unemployed generally pay rates lower than average.
- Insurance loss data for Audi S4 vehicles – Companies analyze historical claim data when determining insurance rates. Vehicles that have increased claim numbers or amounts will cost more to insure. The table below demonstrates the insurance loss data for Audi S4 vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is represented as 100. Values that are below 100 suggest a better than average loss history, while values that are 100 or greater point to more frequent losses or an increased probability of a larger loss.
Car Insurance Loss Data for Audi S4 Models
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi S4 4dr 4WD 206 78 182 51 57 75
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance policy discounts you can’t miss
Some insurance providers do not list the entire discount list very well, so below is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Phoenix car insurance online.
- Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
- Student Discounts – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% with certain companies.
- Discount for New Cars – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for newer vehicles.
- Telematics Discount – Policyholders that allow companies to track their driving habits by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they are good drivers.
- Senior Discount – Drivers over the age of 55 could receive a small discount on rates.
- Low Mileage Discounts – Low mileage vehicles can earn substantially lower prices.
- Student in College – Youth drivers who are attending college and do not take a car to college could get you a discount.
A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.
To see car insurance companies that have a full spectrum of discounts in Arizona, click this link.
Independent and exclusive auto insurance agents
Some consumers still prefer to visit with an insurance agent and that can be a great decision Agents are trained risk managers and help file insurance claims. One of the great benefits of price shopping on the web is the fact that drivers can get cheap car insurance rates and still have an agent to talk to. And supporting local agents is important especially in Phoenix.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents that provide free Phoenix car insurance quotes for your coverage. You won’t need to find an agent since price quotes are sent to the email address you provide. If for some reason you want to get a rate quote for a specific company, you just need to jump over to their website and complete a quote there.
If you are wanting to find a local Phoenix insurance agency, it’s important to understand the types of insurance agents that you can select. Agents are classified as either independent agents or exclusive agents. Both can write policy coverage, but it’s good to learn the difference in the companies they write for since it may influence which type of agent you select.
Independent Insurance Agents
These type of agents do not write with just one company and that gives them the ability to insure through many different car insurance companies and find you the best rates. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent.
If you need cheaper car insurance rates, we highly recommend that you check rates from a few independent agents for maximum quote selection.
Shown below are independent agencies in Phoenix who may provide cheap rate quotes.
These agents can only write with one company and examples are State Farm or Allstate. They generally cannot place coverage with different providers so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company’s products which aids in selling service over price.
The following are Phoenix exclusive agents willing to provide comparison quotes.
Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
Deciding on an car insurance agent should include more criteria than just a cheap price. These are valid questions to ask:
- Can glass repairs be made at your home?
- Do they carry Errors and Omissions coverage?
- Will the agent or a CSR service your policy?
- Are claims handled at the agent’s location?
- Which family members are covered?
- Do they regularly work with personal auto policies in Phoenix?
- Will the quote change when the policy is issued?
Upon receiving good responses to your questions as well as a price you’re happy with, you may have just found a car insurance agent that is professional and can provide car insurance coverage.
How much can you save?
Cheaper auto insurance in Phoenix can be found from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not have online price quotes and many times these regional insurance providers sell through independent insurance agents.
We just presented many tips how you can compare Audi S4 insurance rates in Phoenix. The key concept to understand is the more you quote Phoenix car insurance, the higher your chance of finding affordable Phoenix car insurance quotes. Consumers could even find that the lowest rates come from a small local company. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.
For more information, feel free to visit these articles:
- Teen Driving and Texting (State Farm)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance Quotes for a Honda CR-V? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Phoenix? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)