Better Strategies to Lowering Your Audi RS 4 Insurance Rates

I can’t think of a single person who likes paying for auto insurance, especially knowing the cost is too high.

Popular companies such as Allstate, Progressive and GEICO increase brand awareness with fancy advertisements and it can be hard to ignore the propoganda and take the time to shop coverage around.

How to Compare Auto Insurance

All major auto insurance companies like State Farm and Allstate allow you to get price estimates on the web. The process is pretty easy as you simply enter your required coverages into a form. When complete, their rating system sends out for credit information and your driving record and returns a price based on these factors. Online price quotes simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to do this if you want to find better auto insurance pricing.

The smarter way to find cheaper rates makes use of a single form that analyzes rates from several different companies. The form is fast, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, it is quoted with multiple companies and you can pick any of the resulting price quotes.

If you find a better price you simply finish the application and purchase the new policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

In order to find out how much you’re overpaying now, click here and fill out the form. If you have a policy now, it’s recommended you type in as close as possible to your current policy. Doing this assures you will get an apples-to-apples comparison based on similar coverages.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few need to be requested specifically before they will apply.

  • Accident Waiver – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on RS 4 coverage than drivers with accidents.
  • Student in College – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% on RS 4 coverage.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

Drivers should understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut your premiums. car insurance quote

To see a list of insurers with the best auto insurance discounts, click here.

Local agents and auto insurance

A small number of people prefer to buy from a local agent. The best thing about comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. And providing support for local insurance agencies is important particularly if you live in a smaller city or town.

To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to insurance agents who will battle for your coverage. You won’t need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Car insurance agents come in two varieties

When finding a local agent, there are two different agency structures to choose from. Agents are classified as either captive or independent.

Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.

When shopping rates, it’s recommended you get quotes from several independent insurance agents to get the best comparison.

Agency Captives

This type of agents can only place business with one company like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents receive extensive training on the products they sell which can be an advantage.

To view a full list of agents, click here.

insurance for Audi RS 4

Selecting an auto insurance agent requires more thought than just the premium amount. Any agent should be forthright in answering these questions:

  • What insurance companies do they work with?
  • How much will you save each year by using a higher deductible?
  • How many years of experience in personal lines insurance coverages do they have?
  • Did they already check your driving record and credit reports?
  • What are the financial ratings for the companies they represent?
  • Can glass repairs be made at your home?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is the agent and/or agency licensed to do business in your state?

After getting reasonable responses to all your questions in addition to an acceptable price estimate, most likely you have located an insurance agent that can adequately provide auto insurance.

Do the work, save more money

Low-cost Audi RS 4 insurance is attainable both online as well as from independent agents, and you need to price shop both to have the best selection. A few companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price.