Cheap Rates for Audi S4 Insurance in Tucson

Statistics show that over 70% of consumers have bought auto insurance from the same company for at least four years, and 38% of customers have never taken the time to shop around. With the average auto insurance premium being $1,600, Arizona drivers can save roughly $730 each year just by comparing rates, but they don’t know the big savings they would realize if they changed companies.

Insurance for Audi S4The recommended way to find the cheapest price for Audi S4 insurance is to start comparing rates regularly from providers that insure vehicles in Tucson. Drivers can shop around by following these guidelines.

  1. Read and learn about car insurance and the things you can control to drop your rates. Many rating criteria that result in higher rates such as high-risk driving behaviors and a not-so-good credit score can be controlled by making lifestyle changes or driving safer.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can quote prices for many different companies.
  3. Compare the price quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate, ensure there is no coverage lapse between policies.

The most important part of this process is to try to use identical limits and deductibles on every quote and and to analyze all possible companies. Doing this enables an accurate price comparison and and a good selection of different prices.

Best Audi S4 insurance rate quotes in Arizona

The companies shown below can provide price quotes in Arizona. If your goal is to find cheap car insurance in Arizona, it’s highly recommended you compare several of them in order to get a fair rate comparison.

Audi S4 insurance rates and statistics

The information shown next covers estimates of prices for Audi S4 models. Understanding how insurance policy premiums are figured can help you make smart choices when buying a car insurance policy.

Audi S4 Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $228 $546 $332 $20 $100 $1,226 $102
S4 Quattro 4-Dr Sedan $228 $546 $332 $20 $100 $1,226 $102
S4 Quattro 4-Dr Sedan $250 $546 $332 $20 $100 $1,248 $104
S4 Quattro 4-Dr Sedan $250 $546 $332 $20 $100 $1,248 $104
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise premiums greatly.

Comparison of policy deductibles

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparison tables below illustrate how much more you’ll pay when you choose different comp and collision deductibles. The first data set uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Audi S4 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $292 $600 $254 $16 $76 $1,263 $105
S4 Quattro 4-Dr Sedan $292 $600 $254 $16 $76 $1,263 $105
S4 Quattro 4-Dr Sedan $322 $600 $254 $16 $76 $1,293 $108
S4 Quattro 4-Dr Sedan $322 $600 $254 $16 $76 $1,293 $108
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Audi S4 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $180 $376 $254 $16 $76 $902 $75
S4 Quattro 4-Dr Sedan $180 $376 $254 $16 $76 $902 $75
S4 Quattro 4-Dr Sedan $198 $376 $254 $16 $76 $920 $77
S4 Quattro 4-Dr Sedan $198 $376 $254 $16 $76 $920 $77
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can influence price quotes significantly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $31 more each month or $372 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 24 months between claim filings, you would probably save some money by going with a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): – $76
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important issue to know is that raising deductibles to save money results in a higher out-of-pocket expense when you have to file a claim. You should have enough extra money in the event you have to pay more to get your vehicle repaired.

The information below demonstrates how deductible levels and can change Audi S4 annual premium costs for each different age group. The prices are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

How accidents and tickets impact rates

The information below illustrates how traffic citations and accident claims raise Audi S4 auto insurance costs for different insured age categories. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

These discounts can lower your insurance rates

Car insurance can cost a lot, but you might already qualify for some discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked for prior to getting the savings.Cheaper insurance with discounts

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts should help lower the amount you pay for coverage.

The illustration below illustrates the comparison of Audi S4 auto insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, a clean driving record, no at-fault accidents, Arizona 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 claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.

To view companies who offer online Audi S4 insurance quotes in Tucson, click here.

How do Insurance Companies Determine Audi S4 Insurance Prices?

A large part of saving on auto insurance is knowing some of the things that help calculate the rates you pay for auto insurance. If you understand what impacts premium levels, this enables informed choices that may result in cheaper rates. Many factors are used in the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are less obvious like where you live or how financially stable you are.

The following are some of the items used by your company to calculate your prices.

Fast cars cost more to insure – The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in your premium level. Lower performance four cylinder passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.

The following data is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Audi S4 insurance rates compared to other vehicles that have a range of performance rating factors.

Safer vehicles mean better auto insurance rates – Vehicles with good safety scores cost less to insure. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates.

Getting married equates to better prices – Being married actually saves money when buying auto insurance. Having a significant other may mean you are more mature and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Increase physical damage deductibles to save – The deductibles you choose represent how much money you are required to pay if a claim is determined to be covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, vandalism, and damage caused by road hazards. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.

Does your employer cost you more? – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like military personnel, executives, and emergency personnel have the highest rates because of intense work-related stress and long work hours. Other professions such as actors, engineers and performers get better rates.

Claim-free discounts can add up – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies in Arizona award the lowest premiums to drivers who do not rely on their insurance for small claims. Your insurance policy is designed for major claims that would cause financial hardship.

Insurance loss data for an Audi S4 – Insurers take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium price. Vehicles that historically have higher prevalence or dollar amount of losses will cost more for coverage.

The table below shows the loss history for Audi S4 vehicles. For each coverage type, the claim probability for all vehicles, as a total average, is equal to 100. Percentage numbers below 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent losses or statistically larger claims.

Audi S4 Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi S4 4dr 4WD 206 78 182 51 57 75

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How much car insurance do I need?

When it comes to your policy, there is no single plan that fits everyone. Everyone’s needs are different and your car insurance should unique, too.Higher deductibles save money
These are some specific questions might point out if your situation would benefit from professional advice.

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

When do I need to contact a local insurance agent?

Certain consumers would rather buy from a local agent and that is just fine! The biggest benefit of price shopping on the web is that drivers can save money and get the lowest rates and also buy local. Buying from local insurance agencies is important particularly in Tucson.

Insurance agency in TucsonBy using this form (opens in new window), your insurance coverage information gets sent to insurance agents in Tucson who will give you bids to get your business. You won’t need to find an agent because quoted prices will be sent to the email address you provide. You can get cheaper car insurance rates without having to waste a lot of time. If you need to get a rate quote from one company in particular, feel free to go to their quote page and fill out the quote form the provide.

If you are wanting to purchase car insurance from a good insurance agency, it’s important to understand the types of agencies and how they are distinctly different. Agencies in Tucson may be either exclusive or independent.

Independent Car Insurance Agencies

Agents of this type are not restricted to one company and that allows them to write policies with an assortment of companies and find you the best rates. If premiums increase, they simply switch companies in-house without you having to go to a different agency.

If you need lower rates, it’s recommended you contact a few independent agents for maximum quote selection. Many can place coverage with smaller regional carriers which can save you money.

The following is a list of independent agents in Tucson that can possibly get you cheap rate quotes.

More Tucson agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel work for only one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide other company’s prices so they have to upsell other benefits. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mostly because of the brand rather than low rates.

Below is a short list of exclusive agents in Tucson willing to provide price quotes.

More Tucson agents

Deciding on an insurance agent should depend on more than just the premium amount. Below are some questions you should ask.

If you get positive feedback to your questions and an acceptable price quote, you may have just found a car insurance agent that can be trusted to adequately provide car insurance. Just remember it’s your coverage and you can cancel coverage for any reason so don’t feel that you are permanently stuck with your new company with no way out.

Arizona auto insurance companies ranked

Ending up with the best company can be rather challenging considering how many companies are available to choose from in Tucson. The rank data shown below can help you pick which insurers you want to consider to insure your vehicles.

Top 10 Tucson Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top 10 Tucson Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Quote. Compare. Save.

In this article, we presented a lot of techniques to save on Audi S4 insurance in Tucson. The key concept to understand is the more you quote Tucson auto insurance, the better chance you’ll have of finding the cheapest Audi S4 rate quotes. Drivers may even discover the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cheap Audi S4 insurance in Tucson can be bought online and also from your neighborhood Tucson agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and these smaller providers sell through local independent agents.

Even more information can be read in the articles below: