Affordable Insurance for an Audi S4 in San Francisco

If saving the most money is your goal, then the best way to find discount Audi S4 insurance is to annually compare prices from insurance carriers who provide car insurance in San Francisco.

• First, read about the coverage provided by your policy and the things you can change to keep rates down. Many factors that result in higher rates like speeding tickets, careless driving and a not-so-good credit rating can be remedied by making minor changes to your lifestyle.
• Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from many different companies.
• Third, compare the price quotes to the price on your current policy to determine if you can save on S4 insurance. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, tell your current company of your decision to cancel your current policy and submit a down payment along with a signed application for your new coverage. As soon as you have the new policy, place your new certificate of insurance above your visor, in the console, or in the glove compartment.

An important bit of advice to remember is to try to compare the same amount of coverage on every quote and and to get quotes from as many companies as possible. Doing this guarantees a level playing field and a good representation of prices.

Unbelievable but true, a large majority of drivers have been with the same company for four years or more, and almost half have never compared rate quotes at all. With the average auto insurance premium being $1,400, California drivers can cut their rates by roughly 35% a year by just comparing quotes, but they just feel it’s too hard to shop around.

If you have a current insurance policy or are looking for a new policy, use these techniques to reduce the price you pay without reducing coverage. Buying the cheapest insurance in San Francisco is not that difficult as long as you know where to start. Consumers just have to understand the proper way to shop from many different companies online.

The fastest way that we advise to compare policy rates for Audi S4 insurance in San Francisco is to realize car insurance companies will pay a fee to provide you with a free rate quote. All you need to do is take a few minutes to give details like daily mileage, if you’re married, if a SR-22 is required, and whether the vehicles are used for commuting. The rating information is instantly submitted to many highly-rated insurers and they return cost estimate immediately.

To find lower cheap Audi S4 insurance rates now, click here and find out if lower rates are available in San Francisco.

The following companies offer free quotes in San Francisco, CA. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.

Choosing vehicle insurance is an important decision

Even though it’s not necessarily cheap to insure an Audi in San Francisco, maintaining insurance serves an important purpose.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you don’t want to risk a ticket. 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.
• If you have a loan on your S4, it’s most likely the lender will force you to have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Audi at a more expensive rate and force you to pay for the much more expensive policy.
• Insurance protects your car and your assets. It will also pay for hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of insuring your S4 more than cancel out the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays as much as $830 a year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

Audi S4 detailed coverage information

The coverage table displayed next covers a range of coverage costs for Audi S4 models. Having a better idea how policy premiums are calculated is important for drivers to make decisions when shopping your coverage around.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific San Francisco garaging location which can revise price quotes considerably.

Rate comparison for different deductibles

When buying car insurance, a common question is how low should you set your deductibles. The comparisons below sum up the rate differences of buying low and high policy deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in vehicle location which can raise or lower auto insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs approximately $62 more each month or $744 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claim filings, you would probably save some money if you choose the higher deductible.

Illustration showing the impact of accidents and violations

The chart below shows how violations and at-fault claims raise Audi S4 insurance rates for each different age category. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Rate difference between full and liability-only coverage

The illustration below shows the comparison of Audi S4 annual premium costs with full coverage compared to only the California minimum liability coverage. The prices are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive rule to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Audi S4 book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing you more than $400 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Car insurance policy discounts for Audi S4 insurance in San Francisco

Buying car insurance is not cheap, but companies offer discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you quote, but some need to be asked about before they will apply.

• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
• Distant Student Discount – College-age children who are attending college and do not have a car may qualify for this discount.
• Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
• More Vehicles More Savings – Having primary and secondary vehicles on the same car insurance policy could earn a price break for each car.
• Low Mileage Discounts – Driving less can earn lower premium rates due to less chance of an accident.
• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could trigger savings on your policy.
• Paperwork-free – Some car insurance companies will provide an incentive for signing up online.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

The illustration below shows the comparison of Audi S4 car insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

Some companies that may have most of these discounts include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

If you need affordable San Francisco car insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be available to policyholders everywhere.

Local San Francisco car insurance agents and auto insurance

Many people would prefer to buy from a local agent and that is recommended in a lot of cases Insurance agents can answer important questions and will help you if you have claims. A good thing about comparing auto insurance online is that drivers can save money and get better rates and still buy from a local agent.

Once you complete this short form, your insurance data gets sent to insurance agents in San Francisco who will gladly provide quotes for your business. It’s much easier because you don’t need to leave your computer as quotes are delivered instantly to you. If you wish to get a rate quote for a specific company, you can always visit that company’s website and submit a quote form there.

Finding the right provider requires more thought than just a low price. These are some questions you should get answers to.

• How long have they been in business?
• In the event of vehicle damage, can you pick the collision repair facility?
• Is insurance their full-time profession?
• How experienced are they in personal risk management?
• Do they regularly work with personal auto policies in San Francisco?
• Are they able to provide referrals?
• Do they have a Better Business Bureau rating in San Francisco?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

If you need to find a reliable insurance agent, there are a couple of types of agencies from which to choose. Auto insurance agents can be categorized as either exclusive or independent (non-exclusive). Both types can insure your vehicles properly, but it is a good idea to know how they differ because it can impact which type of agent you select.

Exclusive Auto Insurance Agents

These agents can only place business with one company and some examples include Farmers Insurance or State Farm. They usually cannot compare other company’s rates so keep that in mind. They receive a lot of sales training on the products they sell and that allows them to sell at a higher price point.

Shown below is a list of exclusive agents in San Francisco that are able to give rate quotes.

View more San Francisco agents

Independent Agencies or Brokers

These agents are not locked into one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If premiums increase, they simply move the coverage in-house which is easy for the insured. When comparing rate quotes, you definitely need to compare quotes from a few independent agents to get the most accurate price comparison.

Listed below are independent agencies in San Francisco that can give you comparison quotes.

View more San Francisco agents

Upon getting reasonable responses as well as a price you’re happy with, most likely you have located a car insurance agent that can be relied on to properly service your auto insurance policy. Keep in mind you can always terminate coverage whenever you want so never feel you’re contractually obligated to any particular company for any length of time.

What insurance coverages do I need?

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• Can I get by with minimal medical coverage if I have good health insurance?
• Does having multiple vehicles earn me a discount?
• Should I buy additional glass protection?
• What is an adequate liability insurance limit?
• Do I pay less if my vehicle is kept in my garage?
• Should I pay a claim out-of-pocket?
• How do I file an SR-22 for a DUI in California?
• Am I missing any policy discounts?
• How much can I save by bundling my policies?
• If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Quote more to save more

Throughout this article, we presented a lot of ways to compare Audi S4 insurance premium rates in San Francisco. The key thing to remember is the more times you quote, the better likelihood of getting cheaper San Francisco car insurance quotes. Consumers may even find the lowest premium rates are with an unexpected company.

Lower-priced Audi S4 insurance in San Francisco can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. Some companies may not provide the ability to get quotes online and these small, regional companies sell through independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage only to discover later that it was a big error on their part. The aim is to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

To read more, feel free to visit these articles:

• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance for a Subaru Impreza in San Francisco? (FAQ)
• Who Has Affordable Auto Insurance for Teachers in San Francisco? (FAQ)
• Who Has Affordable Car Insurance Quotes for Uninsured Drivers in San Francisco? (FAQ)
• How Much is San Francisco Car Insurance for Drivers Under 21? (FAQ)
• Who Has Affordable San Francisco Car Insurance Quotes for Unemployed Drivers? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• Vehicle Insurance in the U.S. (Wikipedia)