Cheap Insurance for an Audi S4 in Santa Ana

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Insurance rates Audi S4 in Santa AnaThe best way we recommend to get more affordable auto insurance rates is to regularly compare price quotes from insurers who sell insurance in Santa Ana. You can compare rates by following these guidelines.

  • Step 1: Try to learn about policy coverages and the measures you can control to keep rates in check. Many things that drive up the price like accidents, traffic violations, and a bad credit rating can be amended by making minor changes in your lifestyle. Read the full article for more ideas to help prevent expensive coverage and earn a bigger discount.
  • Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
  • Step 3: Compare the new rate quotes to your existing policy and determine if cheaper S4 coverage is available. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

A crucial key to this process is that you use the same coverage limits and deductibles on every quote request and and to get rates from as many companies as possible. This guarantees an apples-to-apples comparison and a complete selection of prices.

It's an obvious assumption that insurance companies don't want you to compare rates. Consumers who get price comparisons are highly likely to move their business because of the good chance of finding lower rate quotes. A recent insurance study revealed that consumers who routinely shopped for cheaper coverage saved approximately $70 a month compared to people who never compared other company's rates.

If finding the most affordable auto insurance is the reason you're here, knowing how to find companies and compare insurance coverage can help you succeed in saving money.

How do Car Insurance Companies Determine Audi S4 Insurance Rates?

Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, although others are not as apparent such as your marital status and annual miles driven. Consumers need to have an understanding of the different types of things that help calculate insurance rates. If you know what determines premiums, this helps enable you to make changes that could help you find lower premium levels.

Listed below are some of the most common factors used by companies to determine your rate level.

  • Driving citations can be expensive - Careful drivers have lower premiums than their less careful counterparts. Getting just one ticket could increase your next policy renewal twenty percent or more. Drivers who have multiple violations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.

    The diagram below illustrates how speeding tickets and fender-benders can influence Audi S4 auto insurance costs for each different age category. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

  • Prevent theft and save - Driving a car with a theft deterrent system can help lower your premiums. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart your car from being stolen.
  • Fewer miles means better rates - The higher the mileage driven in a year the higher your rate. A lot of companies apply a rate based upon how much you drive. Cars and trucks that sit idle most of the time receive better premium rates than those that get driven frequently. It's always a good idea to double check that your insurance policy states the correct driver usage. Incorrect rating for your S4 is just wasting money.
  • Save money by raising comp and collision deductibles - Protection for physical damage, also called 'full coverage', protects your Audi from damage. Examples of covered claims would be a broken side mirror, hail damage, and damage caused by flying debris. The deductibles you choose state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The larger the amount you have to pay, the lower your rates will be.
  • Your vocation may affect premiums - Did you know that where you work can have an impact on rates? Occupations such as military generals, social workers, and dentists generally have the highest average rates attributed to intense work-related stress and lots of time spent away from family. Other jobs like professors, engineers and the unemployed have lower than average premiums.
  • Where you live factors in - Choosing to live in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
  • Your age impacts your costs - Older people tend to be more responsible, tend to file fewer claims, and are generally more financially stable. Inexperience drivers are proven to be easily distracted when driving with friends and because of this, their insurance rates are much higher.

    The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Always keep your insurance in place - Allowing your insurance policy to lapse is a sure-fire way to pay more for insurance. Not only will you pay higher rates, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Claims statistics for an Audi S4 - Car insurance companies factor in historical loss data as a tool for profitable underwriting. Models that the data shows to have higher claim amounts or frequency will have higher premium rates.

    The table shown below demonstrates the collected loss data for Audi S4 vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Percentage values below 100 suggest losses that are better than average, while values that are above 100 indicate more frequent losses or tendency to have larger claims.

    Audi S4 Insurance Loss 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 from for 2013-2015 Model Years

Insurance coverage analysis

The premium table displayed below outlines detailed analysis of rate quotes for Audi S4 models. Learning more about how car insurance prices are calculated is important to be able to make smart choices when comparing insurance rates.

Audi S4 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $412 $1032 $424 $26 $128 $2,022 $169
S4 Quattro 4-Dr Sedan $412 $1032 $424 $26 $128 $2,022 $169
S4 Quattro 4-Dr Sedan $454 $1032 $424 $26 $128 $2,064 $172
S4 Quattro 4-Dr Sedan $454 $1032 $424 $26 $128 $2,064 $172
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can alter coverage rates greatly.

How high should deductibles be?

One common question asked by Santa Ana drivers is the level to set your comp and collision deductibles. The following tables can help you visualize the rate fluctuation of buying low and high comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Audi S4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $478 $1054 $376 $22 $112 $2,067 $172
S4 Quattro 4-Dr Sedan $478 $1054 $376 $22 $112 $2,067 $172
S4 Quattro 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
S4 Quattro 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
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Audi S4 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $266 $556 $376 $22 $112 $1,332 $111
S4 Quattro 4-Dr Sedan $266 $556 $376 $22 $112 $1,332 $111
S4 Quattro 4-Dr Sedan $292 $556 $376 $22 $112 $1,358 $113
S4 Quattro 4-Dr Sedan $292 $556 $376 $22 $112 $1,358 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific location which can lower or raise rates substantially.

Based on this data, using a $100 deductible costs approximately $62 more each month or $744 annually than quoting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $174
Average monthly premium for $1,000 deductibles (subtract): - $112
Monthly savings from raising deductible: $62
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $62
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that a higher deductible level means you will have to pay more if you have a claim. It will be required that you have enough savings in order to pay more for the deductible.

The information below highlights how deductible selection and can affect Audi S4 insurance rates for each age group. The information is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Audi S4 annual premiums for males versus females

The illustration below illustrates the difference between Audi S4 premium costs for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.

Full coverage rates vs. liability-only

The diagram below shows the comparison of Audi S4 car insurance rates with full coverage compared to only the California minimum liability coverage. The premiums assume no claims or violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula for eliminating full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's say your Audi S4 settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying your policy deductible. If premiums are more than $300 a year for physical damage coverage, then it might be time to buy liability only.

There are a few cases where eliminating full coverage is not in your best interest. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Cheaper rates with these discounts

Some providers don't always publicize every discount available in an easy-to-find place, so the following list contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Santa Ana car insurance online.Save money with discounts

  • Low Miles Discount - Fewer annual miles on your Audi may enable drivers to earn lower rates due to less chance of an accident.
  • Save with a New Car - Buying a new car model can save you some money compared to insuring an older model.
  • Auto/Home Discount - If you can combine your homeowners and auto policy with one company you will save up to 20% and get you affordable Audi S4 insurance rates in Santa Ana.
  • Multi-car Discount - Buying insurance for more than one vehicle with one company can get a discount for every vehicle.
  • Theft Deterrent - Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Santa Ana car insurance quote.
  • Discount for Good Grades - Being a good student can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.

Discounts lower rates, but some credits don't apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, you're out of luck.

The information below shows the comparison of Audi S4 insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, claim-free, multi-policy, and multi-car discounts applied.

Companies and some of their more popular discounts are shown below.

  • State Farm has savings for driver's education, passive restraint, multiple policy, Steer Clear safe driver discount, and good student.
  • American Family includes discounts for accident-free, Steer into Savings, early bird, air bags, multi-vehicle, good driver, and bundled insurance.
  • GEICO may offer discounts for multi-vehicle, air bags, daytime running lights, good student, federal employee, and seat belt use.
  • 21st Century may include discounts for air bags, anti-lock brakes, automatic seat belts, early bird, student driver, driver training, and defensive driver.
  • Progressive may have discounts that include good student, multi-policy, online signing, homeowner, multi-vehicle, online quote discount, and continuous coverage.

Before purchasing a policy, check with every company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area.

One last thing about your coverage

Drivers who switch companies do it for many reasons like not issuing a premium refund, denial of a claim, high prices and even delays in paying claims. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

Affordable Audi S4 insurance in Santa Ana can be sourced on the web and with local Santa Ana insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these regional insurance providers work with independent agents.

We just presented quite a bit of information on how to shop for Audi S4 insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheaper Santa Ana car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a small mutual company.

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