Compare Audi S4 Insurance Quotes in Houston

Drivers new to price shopping auto insurance online are likely to discover buying affordable Audi S4 insurance rates in Houston is harder than it needs to be.

Insurance for Audi S4Statistics show that a large majority of insurance policyholders in Texas renewed their policy with the same company for four years or more, and approximately 40% of consumers have never even shopped around for lower-cost coverage. Consumers in America can save hundreds of dollars each year, but most tend to underestimate how much they could save if they switch to a new company.

You should take the time to price shop coverage occasionally because insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Audi S4 insurance in Houston a couple years back you may be paying too much now. Forget all the misinformation about insurance because you’re going to learn the things you must know in order to remove unneeded coverages and save money.

Quoting and comparing the most affordable protection in Houston can be fairly easy. In essence, everyone who requires lower cost auto insurance will more than likely find lower prices. Although Texas consumers must learn the way insurance companies sell insurance online and use it to find better rates.

Cheapest companies for Audi S4 insurance

The car insurance companies shown below have been selected to offer free quotes in Texas. If multiple providers are shown, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Audi S4 Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $318 $754 $304 $18 $92 $1,486 $124
S4 Quattro 4-Dr Sedan $322 $772 $310 $18 $94 $1,516 $126
S4 Quattro 4-Dr Sedan $440 $890 $330 $20 $98 $1,778 $148
S4 Quattro 4-Dr Sedan $390 $890 $366 $22 $110 $1,778 $148
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease premiums significantly.

How accidents and violations affect rates

The information below highlights how traffic violations and fender-benders can impact Audi S4 insurance prices for each different age category. The price estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Policy deductible comparison

The example below demonstrates how choosing different deductibles and can impact Audi S4 insurance premiums for different age groups of insureds. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates below lay out the price difference between high and low insurance deductibles. The first rate comparisons uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Audi S4 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $412 $908 $324 $20 $96 $1,785 $149
S4 Quattro 4-Dr Sedan $412 $908 $324 $20 $96 $1,785 $149
S4 Quattro 4-Dr Sedan $454 $908 $324 $20 $96 $1,827 $152
S4 Quattro 4-Dr Sedan $454 $908 $324 $20 $96 $1,827 $152
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Audi S4 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $228 $478 $324 $20 $96 $1,146 $96
S4 Quattro 4-Dr Sedan $228 $478 $324 $20 $96 $1,146 $96
S4 Quattro 4-Dr Sedan $252 $478 $324 $20 $96 $1,170 $98
S4 Quattro 4-Dr Sedan $252 $478 $324 $20 $96 $1,170 $98
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific location information which can increase or decrease insurance rates significantly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $54 more each month or $648 a year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 17 months between claim filings, you would save money by going with a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $151
Average monthly premium for $1,000 deductibles (subtract): – $97
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Cheap Houston insurance rates with discounts

Insurance can cost an arm and a leg, but companies offer discounts that many consumers don’t even know exist. A few discounts will automatically apply when you purchase, but a few need to be asked for before being credited.

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

A partial list of companies who may offer these money-saving discounts include:

It’s a good idea to ask all the companies which discounts they offer. Discounts may not apply in every state. If you would like to view insurers offering insurance discounts in Houston, follow this link.

When in doubt talk to an agent

Always keep in mind that when comparing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your insurance should be unique as well. For example, these questions can help discover if your situation might need professional guidance.

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Local Houston car insurance agents

A small number of people still prefer to go talk to an agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is the fact that you can find cheap auto insurance rates and still have an agent to talk to. Buying from and supporting local agencies is definitely important in Houston.

Insurance agency in HoustonFor easy comparison, once you complete this form (opens in new window), your information is submitted to insurance agents in Houston that give free quotes for your auto insurance coverage. It’s much easier because you don’t need to contact an agency because prices are sent to your email. It’s the lowest rates and work with a local agent. If you want to get a price quote for a specific company, you would need to navigate to their website and give them your coverage information.

If you want a reliable agent, there are two different agency structures and how they are distinctly different. Auto insurance agents can be described as either exclusive or independent.

Independent Auto Insurance Agents

Agents in the independent channel are not locked into one company and that is an advantage because they can write policies through many companies and find you the best rates. If premiums increase, they simply move your policy to a different company without you having to go to a different agency. When comparing rates, we recommend you get quotes from several independent agencies to have the best price comparison. Most also have access to companies you’ve never heard of that may provide cheaper auto insurance rates.

Featured below is a short list of independent agents in Houston that may be able to give competitive price quotes.

More insurance agents

Exclusive Auto Insurance Agencies

Exclusive agents can usually just insure with one company like American Family, State Farm, and AAA. They are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are usually well trained on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy insurance from these agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive agents in Houston willing to provide rate quotes.

More insurance agents

Picking an insurance agent requires you to look at more than just the bottom line cost. These are valid questions to ask:

Parts of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, falling objects, damage from a tornado or hurricane, vandalism and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like rehabilitation expenses, dental work, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your S4 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your S4 to get cheaper collision coverage.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 30/60/25 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, medical services, repair bills for other people’s vehicles, attorney fees and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

More comparisons equals cheap rates

Budget-conscious Audi S4 insurance can be found from both online companies in addition to local insurance agencies, so you need to shop Houston auto insurance with both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these small insurance companies prefer to sell through independent insurance agents.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

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