It’s astonishing, but the majority of drivers have stayed with the same insurance company for at least four years, and nearly half have never taken the time to shop around. Most drivers in the United States could save almost $860 every year by just shopping around, but most tend to underestimate the actual amount they would save if they switched.
If saving money is your primary concern, then the best way to get the cheapest Audi S4 insurance in Fresno is to annually compare prices from insurers who provide auto insurance in California. This can be done by completing these steps.
First, get an understanding of how insurance works and the things you can change to drop your rates. Many factors that increase rates such as inattentive driving and poor credit history can be rectified by making minor driving habit or lifestyle changes.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide rate quotes for many different companies.
Third, compare the new quotes to your existing coverage and determine if cheaper S4 coverage is available in Fresno. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
Fourth, provide written notification to your current company of your decision to cancel your existing policy. Submit a down payment and signed policy application for your new coverage. Don’t forget to safely store the certificate of insurance along with your vehicle registration.
One important bit of advice is to make sure you enter identical coverages on every quote request and to quote with every company you can. This helps ensure a fair price comparison and a complete rate analysis.
Locating the best rates in Fresno is really quite easy. In a nutshell, anyone who compares rates for insurance will more than likely be able to reduce their rates. Nevertheless, California consumers need to have an understanding of the methods companies use to set your policy premium and use this information to your advantage.
To find the best insurance rates, there are several ways of comparing rate quotes from lots of California insurance companies. The easiest way to find competitive Audi S4 insurance rates is to perform an online rate comparison.
It’s so simple to compare insurance rates online makes it obsolete to go to insurance agencies in your area. The internet can eliminate the need for a local agent unless your situation requires the extra assistance that you can only get from talking to an agent. If you prefer, some companies allow you to obtain prices from the web and still use a local agent.
When price shopping your coverage, comparing more quotes helps locate better pricing.
The companies shown below are ready to provide quotes in California. If multiple companies are listed, it’s highly recommended you click on several of them to get the cheapest price.
Audi S4 insurance discounts in Fresno
Some companies don’t list every possible discount in a way that’s easy to find, so the list below details a few of the more well known and also the more inconspicuous discounts that may be available.
- Online Discount – A handful of auto insurance companies may give you up to $50 for signing up on their website.
- Clubs and Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
- Buy New and Save – Putting auto insurance coverage on a new S4 is cheaper because newer vehicles are generally safer.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Responsible Driver Discounts – Insureds without accidents could pay up to 40% less than drivers with accidents.
- Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
- Save with More Vehicles Insured – Buying insurance for multiple cars on one policy qualifies for this discount.
- No Claims – Good drivers with no accidents get the best auto insurance rates compared to drivers with a long claim history.
- Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
Consumers should know that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.
The chart below compares Audi S4 car insurance rates with and without discounts being applied to the rates. The rates are based on 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 marriage, homeowner, multi-policy, multi-car, safe-driver, and claim-free discounts applied.
A partial list of companies that may include most of these discounts include:
Before purchasing a policy, check with all companies you are considering the best way to save money. Depending on the company, some discounts may not apply to policies in your state. If you would like to choose from a list of insurance companies who offer cheap Audi S4 insurance quotes in Fresno, click this link.
Premium rates and analysis
The coverage table shown next outlines estimates of insurance policy prices for Audi S4 models. Learning as much as possible about how auto insurance prices are calculated is important for drivers to make smart choices when buying a car insurance policy.
| 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 rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can revise insurance rates considerably.
How high should deductibles be?
A question often asked by Fresno drivers is the level to set your comp and collision deductibles. The rates below may help to conceptualize the rate differences when you choose different coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $430 | $882 | $376 | $22 | $112 | $1,847 | $154 |
| S4 Quattro 4-Dr Sedan | $430 | $882 | $376 | $22 | $112 | $1,847 | $154 |
| S4 Quattro 4-Dr Sedan | $474 | $882 | $376 | $22 | $112 | $1,891 | $158 |
| S4 Quattro 4-Dr Sedan | $474 | $882 | $376 | $22 | $112 | $1,891 | $158 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $348 | $712 | $376 | $22 | $112 | $1,570 | $131 |
| S4 Quattro 4-Dr Sedan | $348 | $712 | $376 | $22 | $112 | $1,570 | $131 |
| S4 Quattro 4-Dr Sedan | $384 | $712 | $376 | $22 | $112 | $1,606 | $134 |
| S4 Quattro 4-Dr Sedan | $384 | $712 | $376 | $22 | $112 | $1,606 | $134 |
| 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 safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in garaging location in Fresno which can decrease or increase prices significantly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $23 more each month or $276 a year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 11 months between claim filings, you would most likely save money if you opt for a higher deductible.
The diagram below demonstrates how deductibles and can affect Audi S4 insurance rates for different age groups. The prices are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
How careless driving impacts insurance rates
The example below shows how traffic citations and accident claims influence Audi S4 car insurance costs for different age categories. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
Full coverage versus liability only rates
The information below visualizes the comparison of Audi S4 auto insurance rates with full physical damage coverage and with liability coverage only. The data assumes no violations or claims, $500 deductibles, single marital status, and no discounts are applied to the premium.
Should you pay for full coverage?
There isn’t a written rule of when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Audi S4 replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are paying more than $700 a year to have full coverage, then you might want to think about dropping full coverage.
There are some conditions where only buying liability is not recommended. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Exclusive or independent insurance agents
A small number of people would prefer to have an agent’s advice and that can be a great decision A nice benefit of getting free rate quotes online is that drivers can save money and get cheap insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this short form, your insurance data gets sent to local insurance agents that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since rate quotes are delivered instantly to you. You can find the lowest rates without a big time investment. If you need to compare rates for a specific company, just search and find their rate quote page and fill out the quote form the provide.
Finding a good provider requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.
- When do they do a full risk review?
- How many years of experience in personal auto insurance do they have?
- Are they properly licensed to sell insurance in California?
- Are you getting all the discounts the company offers?
- How long has their agency been in business in Fresno?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is working in the agency their full-time job?
When narrowing the list to find a reliable agent, it’s important to understand the different types of agencies that you can choose from. Fresno agents can be classified as either exclusive agents or independent agents.
Exclusive Insurance Agents
These type of agents normally can only provide a single company’s rates and examples are AAA, Allstate, and State Farm. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. These agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets.
The following are exclusive insurance agencies in Fresno willing to provide price quotes.
Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766 – View Map
Steve Bezzerides – State Farm Insurance Agent
4270 N Blackstone Ave #201 – Fresno, CA 93726 – (559) 222-5278 – View Map
Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165 – View Map
Independent Agents
Agents of this type can sell policies from many different companies so they can quote policies through lots of different companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and you stay with the same agent. If you need cheaper insurance rates, you absolutely need to contact multiple independent agents to get the best comparison.
Shown below are independent insurance agencies in Fresno that are able to give rate quotes.
Leavitt Group
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map
Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355 – View Map
Kelly-Naney Insurance
516 W Shaw Ave – Fresno, CA 93704 – (559) 224-7164 – View Map
If you feel you receive good answers to any questions you may have in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is reputable and can properly service your insurance policy. But keep in mind you are able to cancel coverage whenever you wish so never feel you’re contractually obligated to a specific company for the full term.
You are unique and your insurance should be too
When quoting and choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Your situation is unique.
For instance, these questions can help discover if you would benefit from an agent’s advice.
- Which is better, split liability limits or combined limits?
- Where can I find DUI or SR-22 insurance?
- How high should my uninsured/underinsured coverage be in California?
- Does my liability insurance cover pulling a trailer or camper?
- What are the liability requirements in my state?
- Do I need to call my car insurance company before buying a new car?
- Can my teen drive my company car?
- When should I have rental car coverage?
- What if a claim settlement is too low?
- What discounts do I qualify for?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.
Car insurance coverages 101
Learning about specific coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Liability – Liability insurance can cover damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage protects against claims like legal defense fees, medical services, bail bonds, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.
The next chart demonstrates why buying the state minimum limits may not be adequate coverage.
UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi S4.
Since many California drivers carry very low liability coverage limits (which is 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, prosthetic devices, doctor visits, pain medications and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, vandalism and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – Collision coverage covers damage to your S4 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as damaging your car on a curb, hitting a parking meter, rolling your car, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your S4 to save money on collision insurance.
You can lower your insurance rates
People switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.
In this article, we presented many tips how you can shop for Audi S4 insurance online. The key concept to understand is the more you quote Fresno auto insurance, the better your comparison will be. You may even find the most savings is with the smaller companies.
Some insurance companies do not provide online price quotes and these smaller providers only sell coverage through local independent agents. The cheapest Audi S4 insurance in Fresno is available both online and from local insurance agents, and you need to price shop both so you have a total pricing picture.
More information can be read on the following sites:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Fresno Car Insurance Rates for a Nissan Altima? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Teen Driving and Texting (State Farm)