Auto Insurance Quotes for an Audi S4 in Phoenix

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.

Insurance for Audi S4Unfortunately, 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.

Audi S4 Insurance Rate Estimates in Phoenix, AZ
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
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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.

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.Discount car insurance

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.

Insurance agents in PhoenixTo 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.

7602 S Central AvePhoenix, AZ 85042(602) 276-0002View Map

317 N 19th AvePhoenix, AZ 85009(602) 233-5500View Map

16815 S Desert Foothills Pkwy #140Phoenix, AZ 85048(480) 423-3444View Map

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Exclusive Agents

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.

2040 E Bell Rd #110Phoenix, AZ 85022(602) 971-8488View Map

Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106Phoenix, AZ 85035(623) 846-0240View Map

3401 N 32nd St BPhoenix, AZ 85018(602) 955-5450View Map

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Deciding on an car insurance agent should include more criteria than just a cheap price. These are valid questions to ask:

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.

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