Cheapest Insurance for an Audi S4 in El Paso

Amazingly, the vast majority of drivers have remained with the same car insurance company for over three years, and 38% of drivers have never compared rate quotes at all. El Paso drivers can save hundreds of dollars each year by just comparing rate quotes, but they don’t believe how much savings they would realize if they moved their coverage to a different company.

The recommended way to find more affordable Audi S4 insurance is to compare quotes once a year from insurance carriers in El Paso.

1. Try to learn a little about how insurance companies determine prices and the factors you can control to drop your rates. Many things that increase rates like at-fault accidents and poor credit history can be eliminated by being financially responsible and driving safely. This article gives tips to prevent expensive rate increases and get discounts that may be overlooked.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
3. Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find better rates, ensure coverage does not lapse between policies.

One thing to point out is to try to use the same liability limits and deductibles on each price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and a complete price analysis.

Affordable Audi S4 insurance quotes in El Paso

Auto insurance can be pricey, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply when you get a quote, but some may not be applied and must be specifically requested before you get the savings.

• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your El Paso car insurance quote.
• Good Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their El Paso car insurance quote than less cautious drivers.
• Driver Training Discounts – Completing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
• Student Discounts – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
• Policy Bundle Discount – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
• Multi-car Discount – Insuring multiple vehicles on one policy qualifies for this discount.
• Renewal Discounts – Select larger companies give a discount for renewing your policy prior to your current S4 insurance policy expiration. You may see this discount when you get El Paso car insurance quotes online.
• Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.

Just know that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

The diagram below shows the comparison of Audi S4 insurance costs with and without discounts applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

If you would like to see a list of providers who offer auto insurance discounts in El Paso, click here to view.

Lowering your car insurance rates is not rocket science. Drivers just need to spend a few minutes on the computer comparing free El Paso car insurance quotes online with multiple companies.

Getting free quotes online is quite simple, and it makes it obsolete to drive to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you have a need for the professional abilities only provided by licensed agents. Although you can compare the best prices online but buy from a local insurance agent.

The companies in the list below can provide quotes in Texas. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.

Auto insurance analysis for an Audi S4

The coverage table displayed next outlines different prices for Audi S4 models. Having a good grasp of how prices are calculated can help you make smart choices when comparing insurance rates.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can revise premiums substantially.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The premium rates below can help show the difference in cost when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in your specific El Paso location which can revise coverage prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $20 more each month or $240 for a full year averaged for all S4 models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 13 months between claim filings, you would save money if you choose the higher deductible. Below is a better example of how you can do this calculation yourself.

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket if you have a claim. You will want to have some savings in order to pay the deductible for vehicle repair.

Impact of citations and accidents on El Paso insurance rates

The illustration below illustrates how violations and at-fault fender-benders can drive up Audi S4 insurance costs for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Should you buy full coverage?

The chart below shows the difference between Audi S4 auto insurance rates when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

When to stop paying for full coverage

There is no clear-cut formula for excluding full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your Audi S4 claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If it’s costing in excess of $300 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Different people need different insurance coverages

When quoting and choosing a policy, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions may help you determine if you could use an agent’s help.

• How much will a speeding ticket raise my rates?
• What is UM/UIM insurance?
• Which companies are cheaper for teen drivers?
• Does coverage extend to my business vehicle?
• Does my insurance cover my expensive audio equipment?
• If my pet gets injured in an accident are they covered?
• When should I remove my kid from my policy?
• Are my custom wheels covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Compare rate quotes but work with a local El Paso insurance agent

A lot of people just prefer to talk to an insurance agent and there is nothing wrong with that. Good insurance agents will help you protect your assets and help file insurance claims. An additional benefit of comparing rates online is you may find lower premium rates and still buy from a local agent. Supporting small agencies is especially important in El Paso.

By using this form (opens in new window), your coverage information is instantly submitted to local insurance agents in El Paso that can give you free El Paso car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to search for an agent as quotes are delivered to your email. If you want to get a rate quote from a specific insurance company, just jump over to their website and complete a quote there.

Types of auto insurance agents

If you want local El Paso agents, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Car insurance policy providers can be described as either exclusive or independent. Either type can sell car insurance policies, but it’s important to know the difference between them because it can influence the kind of agent you use.

Independent Insurance Agents

Independent agencies are not employed by any specific company and that is an advantage because they can write policies with many different companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house and you won’t have to switch agencies.

If you need cheaper car insurance rates, we recommend you get several quotes from several independent agencies to get the best comparison.

The following is a small list of independent insurance agents in El Paso who may provide price quote information.

View more agents

Exclusive Agents

Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so always compare other rates. Exclusive insurance agents receive a lot of sales training on what they offer which helps them sell on service rather than price.

Shown below are exclusive insurance agents in El Paso that can give you rate quotes.

View more agents

Finding the right insurance agency needs to be determined by more than just the premium amount. These are some valid questions you should ask.

• Does the agency provide any after hours assistance?
• Is working in the agency their full-time job?
• How long has their agency been in business in El Paso?
• Is the agent CPCU or CIC certified?
• Which companies can they place coverage with?
• How long have they worked with personal auto insurance coverage?
• If your car is totaled, how to they determine the replacement cost?

If you feel you receive good feedback for all questions you ask and an acceptable price quote, it’s a good possibility that you have found an insurance agent that can be relied on to insure your vehicles. But keep in mind policyholders can cancel a policy whenever you choose to so don’t feel you’re contractually obligated to any particular company for any length of time.

Car insurance is an important decision

Despite the fact that car insurance is not cheap in El Paso, insurance is required in Texas but it also protects you in many ways.

First, just about all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, most banks will force you to have comprehensive coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Audi at a significantly higher premium and require you to fork over for the much more expensive policy.

Third, car insurance preserves your Audi and your assets. It also can pay for medical expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. As of last year, the average driver in Texas is overpaying more than $830 a year so we recommend shopping around once a year at a minimum to ensure rates are competitive.

Specific coverages for an Audi S4

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, fire damage and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 30/60/25 which stand for $30,000 bodily injury coverage, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, repair costs for stationary objects, loss of income, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible. Texas requires drivers to carry at least 30/60/25 but drivers should carry more liability than the minimum.

The illustration below shows why buying the state minimum limits may not provide you with enough coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, ambulance fees, EMT expenses, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your S4 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible on your S4 to get cheaper collision coverage.

How much can you save?

Budget-conscious Audi S4 insurance is available online as well as from insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer online price quotes and many times these regional carriers only sell coverage through independent agents.

Drivers change insurance companies for many reasons like policy cancellation, high rates after DUI convictions, policy non-renewal and extreme rates for teen drivers. Regardless of your reason, finding a new company can be pretty painless.

You just learned a lot of tips how to reduce Audi S4 insurance prices online in El Paso. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest prices come from some of the smallest insurance companies.

Much more information about auto insurance in Texas can be found at the links below

• How Much Auto Coverage do I Need? (Insurance Information Institute)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• Think You’re a Safe Driver? (State Farm)
• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)