Save Money on Audi S4 Insurance in Raleigh

Insurance quote for Audi S4 in RaleighWhen searching for more affordable insurance, do you get overwhelmed by the sheer number of car insurance companies in your area? Drivers have so many companies available that it can really be a big hassle to find lower premium rates on Audi S4 insurance. Raleigh is an excellent city in which to live, but inflated car insurance rates makes it difficult to afford enough coverage.

Steps to buying affordable Audi S4 insurance in Raleigh

If your goal is the lowest price, then the best way to find cheaper auto insurance rates in Raleigh is to begin comparing prices regularly from insurance carriers who sell auto insurance in North Carolina.

  1. Learn about what is in your policy and the measures you can take to lower rates. Many factors that increase rates such as accidents, traffic violations, and poor credit can be eliminated by improving your driving habits or financial responsibility. This article gives instructions to keep prices down and find additional discounts.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple companies. View a list of agents
  3. Compare the quotes to your current policy to see if cheaper S4 coverage is available. If you can save money and buy the policy, make sure there is no lapse in coverage.

A valuable tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each quote and and to get price estimates from as many companies as you can. Doing this ensures a level playing field and maximum price selection.

A study showed that 70% of consumers have stayed with the same insurance company for well over three years, and virtually 40% of consumers have never taken the time to shop around. With the average premium in North Carolina being $976, drivers could save about 10% each year just by getting comparison quotes, but most just don’t grasp how much they could save if they swap their current policy for a cheaper one.

It is always a good idea to price shop coverage on a regular basis because prices trend upward over time. Even if you got the lowest price on Audi S4 insurance in Raleigh on your last policy you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.

Best Audi S4 insurance rates in North Carolina

The providers in the list below can provide price quotes in Raleigh, NC. If you want the best car insurance in Raleigh, it’s highly recommended you visit several of them to get the best price comparison.

Insurance statistics and figures

The data table shown below outlines estimates of insurance policy prices for Audi S4 models. Understanding how insurance prices are determined is important for you to make smart choices when buying a car insurance policy.

Audi S4 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $170 $394 $222 $14 $66 $866 $72
S4 Quattro 4-Dr Sedan $170 $394 $222 $14 $66 $866 $72
S4 Quattro 4-Dr Sedan $186 $394 $222 $14 $66 $882 $74
S4 Quattro 4-Dr Sedan $186 $394 $222 $14 $66 $882 $74
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in zip code location which can affect coverage prices noticeably.

An analysis of deductible level

One frequently asked question is how high should your deductibles be. The following tables may help to illustrate how much more rates are between high and low physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Audi S4 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $242 $498 $212 $12 $64 $1,053 $88
S4 Quattro 4-Dr Sedan $242 $498 $212 $12 $64 $1,053 $88
S4 Quattro 4-Dr Sedan $266 $498 $212 $12 $64 $1,077 $90
S4 Quattro 4-Dr Sedan $266 $498 $212 $12 $64 $1,077 $90
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Audi S4 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $196 $402 $212 $12 $64 $886 $74
S4 Quattro 4-Dr Sedan $196 $402 $212 $12 $64 $886 $74
S4 Quattro 4-Dr Sedan $216 $402 $212 $12 $64 $906 $76
S4 Quattro 4-Dr Sedan $216 $402 $212 $12 $64 $906 $76
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in your specific Raleigh location which can decrease or increase premiums significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $14 more each month or $168 every year than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claims, you would save money if you opt for a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that increasing deductibles to save money results in a higher out-of-pocket expense when you do file a claim. You need to make sure you have enough extra savings in order to pay the higher deductible in order to repair your vehicle.

Insurance rates are higher with tickets and accidents

The chart below highlights how traffic violations and at-fault claims can raise Audi S4 yearly insurance costs for different age categories. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Full coverage or liability only

The example below compares Audi S4 insurance prices when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to eliminate full coverage

There is no definitive formula for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Audi S4 replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If you are paying over $200 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Cheaper rates with discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. A few discounts will be applied when you get a quote, but a few must be manually applied prior to getting the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Just know that most credits do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce your policy premiums.

The diagram below shows the comparison of Audi S4 insurance costs with and without some available policy discounts. The rates are based on a male driver, no violations or claims, North Carolina 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 homeowner, marriage, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

To see insurers offering insurance discounts in Raleigh, click here to view.

Exclusive versus independent auto insurance agents

A small number of people would rather go talk to an agent and that is not a bad decision An additional benefit of comparing rate quotes online is that you can obtain better rates but also keep your business local.

To find an agent, once you fill out this short form, your insurance coverage information is emailed to local insurance agents that give free quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home since rate quotes are delivered to the email address you provide. You’ll get the best rates AND an agent nearby. In the event you want to get a price quote from a specific car insurance provider, you can always navigate to their website and complete a quote there.

Selecting an provider should include more criteria than just the premium amount. Here are some questions to ask:

Insurance agent types

When researching a local Raleigh insurance agency, you must know there are a couple different types of agencies and how they operate. Raleigh agents are either independent (non-exclusive) or exclusive.

Exclusive Agents

Exclusive agencies can only provide pricing for a single company such as AAA, Allstate, and State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are usually quite knowledgeable on sales techniques which helps them sell on service rather than price. Drivers often buy from the same agent for years mainly due to high brand loyalty rather than having low rates.

Listed below is a list of exclusive insurance agents in Raleigh who can help you get price quotes.

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Independent Insurance Agents

Agents that choose to be independent do not sell for just one brand so they can insure your vehicles through many companies enabling the ability to shop coverage around. If they quote lower rates, an independent agent can move your coverage which is easy for the insured.

When shopping rates, you should always compare quotes from a couple of independent agencies in order to have the best price comparison. Many write coverage with smaller regional carriers which could offer lower prices.

Below is a short list of independent agents in Raleigh that are able to give comparison quotes.

View more Raleigh agents

Raleigh auto insurance companies

Buying coverage from the right car insurance company can be difficult considering how many different companies there are to choose from in Raleigh. The rank data in the lists below may help you choose which car insurance providers you want to consider buying from.

Best Auto Insurance Companies in North Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Persistent drivers can save

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Drivers switch companies for any number of reasons including delays in paying claims, delays in responding to claim requests, unfair underwriting practices and high prices. No matter why you want to switch, choosing a new insurance company can be less work than you think.

More affordable car insurance in Raleigh can be purchased online and from local agencies, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer price quotes online and many times these smaller companies provide coverage only through independent agents.

Steps to saving money on Audi S4 insurance in Raleigh

The most effective way to find discount Audi S4 insurance in Raleigh is to compare quotes annually from insurers that sell auto insurance in North Carolina.

First, spend some time learning about car insurance and the things you can control to prevent expensive coverage. Many rating criteria that increase rates such as at-fault accidents, careless driving, and an imperfect credit history can be rectified by being financially responsible and driving safely.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from many different companies.

Third, compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.

Fourth, tell your current company to cancel your current car insurance policy and submit a completed application and payment to your new company or agent. Immediately keep your new proof of insurance certificate in your vehicle’s glove compartment or console.

A key point to remember is to make sure you’re comparing identical deductibles and limits on each quote request and and to get rate quotes from as many different companies as possible. Doing this enables an apples-to-apples comparison and plenty of rates choose from.

Additional detailed information can be found by following these links: