Save Money on Audi S4 Insurance in Newark

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Cutting costs on Audi S4 insurance in Newark might be very difficult for beginners to online price comparisons. There are so many options available that it can easily become hard work to compare prices in New Jersey on Audi S4 insurance.

Steps to saving on Audi S4 insurance in Newark

If saving the most money is your goal, then the best way to get cheaper Audi S4 insurance is to make a habit of regularly comparing prices from providers who sell auto insurance in Newark.

  1. Read and learn about auto insurance and the measures you can control to keep rates low. Many factors that result in higher prices such as at-fault accidents, speeding tickets, and a substandard credit score can be amended by improving your driving habits or financial responsibility.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide prices from multiple insurance companies. View prices
  3. Compare the new rate quotes to the price on your current policy to see if cheaper S4 coverage is available. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

One thing to remember is to try to use similar limits and deductibles on each quote request and to quote with every insurance company. This helps ensure a fair rate comparison and the best price selection.

Insurance for Audi S4It goes without saying that insurance companies don't want you quoting rates from other companies. People who compare rates at least once a year will presumably move their business because there is a significant possibility of finding more affordable rates. A recent study showed that people who shopped around every year saved $3,450 over four years compared to those who never shopped for cheaper rates.

If finding the best price on car insurance is the reason you're here, knowing how to find and compare cheaper coverage can help you be more efficient.

All the larger car insurance companies like Progressive, Allstate and GEICO make it easy to get prices direct online. Comparing Audi S4 insurance rates online can be done by anyone as you simply type in the amount of coverage you want into a form. Behind the scenes, the system sends out for your credit score and driving record and quotes a price based on these factors.

Using the web to get rates for Audi S4 insurance in Newark simplifies rate comparisons, and it is imperative to have as many quotes as possible if you are searching for the cheapest price on car insurance.

If you want to find out if lower rates are available, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you type in deductibles and limits exactly as they are listed on your policy. Doing this assures you will be getting comparison quotes based on identical coverages.

The companies shown below are ready to provide price quotes in New Jersey. To buy the cheapest auto insurance in Newark, we suggest you visit several of them to get the best price comparison.

Get affordable Audi S4 insurance in Newark with discounts

Companies offering auto insurance don't necessarily list all available discounts in a way that's easy to find, so we took the time to find some of the more common as well as the least known credits available to bring down your rates.Car insurance discounts

  • Government Employee Discount - Simply working for the federal government could cut as much as 10% off depending on your car insurance provider.
  • Multi-car Discount - Drivers who insure more than one vehicle on one policy qualifies for this discount.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and the ABS can save up to 10%.
  • Defensive Driver Discount - Passing a course teaching safe driver skills could save 5% or more depending on where you live.
  • Good Students Pay Less - Maintaining excellent grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Theft Deterrent System - Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more on S4 insurance in Newark.
  • Policy Bundle Discount - If you insure your home and vehicles with the same company you will save as much as 10 to 15 percent.
  • Safety Restraint Discount - Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on medical payment and PIP coverage.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

The illustration below visualizes the comparison of Audi S4 car insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, a clean driving record, no at-fault accidents, New Jersey 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 claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.

A partial list of companies that may offer some of the discounts shown above possibly include:

If you need the cheapest Audi S4 rate quotes, ask each company to apply every possible discount. Some discounts listed above may not apply to policyholders in your area. If you would like to view insurance companies with the best discounts in Newark, click here.

Audi S4 insurance rate analysis

The coverage information displayed below highlights different insurance policy prices for Audi S4 models. Knowing how policy premiums are formulated can aid in making decisions when shopping around.

Audi S4 Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $402 $990 $462 $28 $138 $2,020 $168
S4 Quattro 4-Dr Sedan $402 $990 $462 $28 $138 $2,020 $168
S4 Quattro 4-Dr Sedan $442 $990 $462 $28 $138 $2,060 $172
S4 Quattro 4-Dr Sedan $442 $990 $462 $28 $138 $2,060 $172
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in vehicle location which can decrease or increase coverage rates greatly.

Higher deductibles save money

One frequently asked question is which deductible level should you buy. The data tables below illustrate the premium difference when you select higher and lower policy deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Audi S4 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $520 $1146 $408 $24 $122 $2,245 $187
S4 Quattro 4-Dr Sedan $520 $1146 $408 $24 $122 $2,245 $187
S4 Quattro 4-Dr Sedan $574 $1146 $408 $24 $122 $2,299 $192
S4 Quattro 4-Dr Sedan $574 $1146 $408 $24 $122 $2,299 $192
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Audi S4 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $380 $774 $408 $24 $122 $1,708 $142
S4 Quattro 4-Dr Sedan $380 $774 $408 $24 $122 $1,708 $142
S4 Quattro 4-Dr Sedan $418 $774 $408 $24 $122 $1,746 $146
S4 Quattro 4-Dr Sedan $418 $774 $408 $24 $122 $1,746 $146
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can alter auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $46 more each month or $552 every year across all Audi S4 models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 9 months between claim filings, you would probably save some money if you decide on a higher deductible. The table below shows the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $190
Average monthly premium for $500 deductibles (subtract): - $144
Monthly savings from raising deductible: $46
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 9 months

One important caveat is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. That will force you to have enough savings in the event you have to pay the deductible for vehicle repair.

Audi S4 insurance rates by age and gender

The illustration below shows the comparison of Audi S4 premium costs for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage rates compared to liability-only

The example below visualizes the comparison of Audi S4 insurance costs with liability coverage only compared to full coverage. The price estimates are based on no claims or driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

Are you wasting money on full coverage?

There isn't a steadfast formula for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Audi S4 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the deductible is paid. If you are paying more than $500 a year for your policy with full coverage, then you might consider buying liability only.

There are some circumstances where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

How do Insurers Determine Audi S4 Insurance Rates?

A large part of saving on car insurance is knowing some of the factors that come into play when calculating the price you pay for car insurance. If you have some idea of what impacts premium levels, this enables informed choices that could result in big savings. Many different elements are considered when you get a price on insurance. Some are obvious such as your driving record, although some other factors are less obvious like where you live or your commute time.

Shown below are some of the most common factors utilized by car insurance companies to help set your prices.

  • Bad credit will cost you - Having a bad credit score factor in calculating your car insurance rates. If your credit rating can use some improvement, you could pay less to insure your Audi S4 by taking the time to improve your credit score. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.
  • Liability - Liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Is your car, truck or SUV built for speed? - The type of car you are insuring makes a big difference in your auto insurance rates. The most favorable rates will generally be found on lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.

    The following data uses these variables: married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Audi S4 car insurance rates compared to other models of vehicles that have a range of performances.

  • Careless driving leads to higher costs - How you drive can have a huge impact on auto insurance premiums. Just one citation can bump up the cost forty percent or more. Careful drivers tend to pay less for car insurance as compared to those with violations. Drivers with dangerous violations like reckless driving or DUI are required to file a SR-22 with their state motor vehicle department in order to continue driving.

    The example below highlights how speeding tickets and accidents can increase Audi S4 insurance premiums for different age categories. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

  • Raise deductibles and save - Physical damage insurance, also called 'full coverage', covers your vehicle from damage. Examples of some claims that would be covered are collision with another vehicle, vandalism, and having your car stolen. The deductibles you choose are how much you are willing to pay if a claim is determined to be covered. The more you're willing to pay, the bigger discount you will receive.
  • Lower premiums with GPS tracking and theft deterrents - Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Audi S4 historical loss data - Insurers use past insurance losses as a way to help calculate a profitable premium price. Vehicles that statistically have higher claim frequency or loss amount will have higher rates. The table below illustrates the historical insurance loss data for Audi S4 vehicles.

    For each type of coverage, the claim probability for all vehicles as a whole equals 100. Numbers that are below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses 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