Looking for more competitive Audi S4 insurance in Sacramento? Having to pay for overpriced Audi S4 insurance in Sacramento can dry up your accounts and put a big crunch on your finances. Shopping your coverage around can save money and help to slash your bill and have more diposable income.
Remarkably, a study showed that a large majority of drivers have purchased from the same company for at least four years, and practically 40% of car insurance customers have never compared quotes from other companies. With the average premium in California being $1,387, drivers can cut their rates by up to 35% a year by just comparing quotes, but they don’t want to take the time to save money by comparing rate quotes.
Insurance companies such as Progressive, State Farm and GEICO all promote huge savings with ads and it can be hard to sift through the bull and find the best price available.
When shopping for Audi S4 insurance in Sacramento there are multiple ways of comparing rate quotes from different companies. The recommended way to lower the rate you pay for Audi S4 insurance involves getting comparison quotes online.
Comparing free quotes online is easy and it, replaces the need to drive around to insurance agencies in your area. Buying insurance online reduces the need to sit down with an agent unless you prefer the peace of mind of a local Sacramento agent. It is possible to comparison shop your insurance online and get advice from an agent in your area.
When quoting auto insurance, remember that comparing more prices helps locate a lower rate than you’re paying now. Not every company provides online rate quotes, so you also need to get price estimates on coverage from those companies, too.
The companies in the list below are our best choices to provide quotes in Sacramento, CA. If multiple companies are listed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Get cheaper rates on Audi S4 insurance in Sacramento with these discounts
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can drop the cost substantially. A few discounts will be applied at the time of quoting, but less common discounts must be asked about before they will apply. If you’re not getting every credit possible, you may be paying too high a price.
- Low Mileage Discounts – Keeping the miles down on your Audi may allow you to get lower premium rates due to less chance of an accident.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
- Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount for every vehicle.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on S4 insurance in Sacramento.
- Accident Free – Sacramento drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
- Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your insurance provider.
As a footnote on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.
The illustration below shows the difference between Audi S4 insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, safe-driver, and marriage discounts applied.
Car insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:
If you need inexpensive Sacramento auto insurance quotes, ask each company which discounts can lower your rates. Some credits might not apply in Sacramento. To see insurance companies that can offer you the previously mentioned discounts in Sacramento, follow this link.
Statistics and details
The data table shown next outlines estimates of insurance rates for Audi S4 models. Knowing how policy premiums are established can help customers make informed purchases.
| 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, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can influence premium rates significantly.
Higher deductibles lower rates
When comparing auto insurance rates, the most common question is how low should you set your deductibles. The following tables may aid in understanding how much more rates are of buying low and high insurance deductibles. The first set of rates uses a $100 deductible and the second data table uses a $500 deductible.
| 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 |
| 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 multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in specific location information which can raise or lower prices greatly.
Based on these figures, using a $100 deductible could cost the average driver approximately $41 more each month or $492 every year across all Audi S4 models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 10 months between claims, you would save more money if you choose the higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $100 deductibles: | $174 |
| Average monthly premium for $500 deductibles (subtract): | – $133 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
An important thing to remember is that increasing deductibles to save money results in more money out-of-pocket when you do file a claim. You need enough extra money in order to pay the deductible.
Safe drivers pay less for auto insurance
The information below shows how speeding tickets and at-fault collisions influence Audi S4 auto insurance rates for each age group. The data assumes a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Full coverage rates vs. liability-only in Sacramento
The diagram below illustrates the comparison of Audi S4 car insurance rates with liability coverage only compared to full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied.
When to stop buying full coverage
There is no exact rule of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Audi S4 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your deductible. If you are paying over $400 a year for full coverage, then you may want to consider only buying liability coverage.
There are a few situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Do I need a local insurance agent?
A small number of people would rather talk to a local agent and we recommend doing that A good thing about comparing rates online is you can get cheap insurance rates but still work with a licensed agent. And supporting local agencies is especially important in Sacramento.
After filling out this simple form, your coverage information is sent to local insurance agents in Sacramento who want to provide quotes for your insurance coverage. You never need to leave your house due to the fact that quote results will go to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to compare rates for a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.
If you want to buy insurance from a reputable insurance agent or broker, there are two types of agencies and how they differ in how they quote coverages. Agents in Sacramento are classified as either exclusive agents or independent agents.
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they can quote policies through lots of different companies and find the cheapest insurance rates. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparing insurance rates, you will want to include price quotes from independent agents to get the most accurate price comparison.
Below is a list of independent agents in Sacramento that can give you free insurance rate quotes.
Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490 – View Map
Foster and Parker Insurance Agency
2020 Hurley Way – Sacramento, CA 95825 – (916) 481-0689 – View Map
Schmoekel Insurance Inc
7558 Stockton Blvd – Sacramento, CA 95823 – (916) 753-1480 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to give you multiple price quotes so it’s a take it or leave it situation. These agents are usually quite knowledgeable on what they offer which can be an advantage.
Below is a short list of exclusive agents in Sacramento who can help you get comparison quotes.
GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
Ken Perry – State Farm Insurance Agent
2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668 – View Map
Lori McCarter Curry – State Farm Insurance Agent
451 Park Fair Dr #2 – Sacramento, CA 95864 – (916) 487-5151 – View Map
Choosing a car insurance agent requires you to look at more than just the quoted price. You should also get answers to these questions.
- Are all drivers listed on the coverage quote?
- Where are claims handled?
- Is the agency involved in supporting local community causes?
- Do they reduce claim amounts on high mileage vehicles?
- Is the coverage adequate for your vehicle?
- Will they give you a referral list?
- If you have an accident, will your rates go up?
- What company do they have the most business with?
Upon receiving good feedback to your questions and inexpensive Audi S4 insurance in Sacramento quotes, most likely you have located a car insurance agent that will insure your vehicles. Keep in mind it’s your policy and you can cancel coverage at any time so don’t think you’re contractually obligated to any specific agency for any length of time.
What Impacts Audi S4 Insurance Premiums?
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining your auto insurance rates. If you understand what determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.
The factors shown below are some of the factors auto insurance companies consider when setting your premiums.
Prices may be higher where you live – Being located in less populated areas of the country can save you money if you are looking for the lowest rates. Drivers who live in large cities have traffic congestion and more time behind the wheel. Fewer drivers and short commutes corresponds to lower accident rates.
Marriage is a factor – Walking down the aisle may earn you lower rates on your policy. Having a spouse generally demonstrates drivers are more financially stable and insurance companies like that married drivers tend to file fewer claims.
Lower premiums for safer cars – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and better occupant protection means less claims paid which can result in lower premiums. If the Audi S4 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Put fewer miles on your vehicle – The higher the miles on your Audi every year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based upon how you use the vehicle. Cars used primarily for pleasure use receive better premium rates than those that get driven frequently. Double check that your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. An improperly rated S4 may be costing you.
Stress out and pay more – Did you know your career choice can influence rates? Occupations such as real estate brokers, air traffic controllers, and accountants tend to pay the highest rates in part from intense work situations and long work days. Conversely, careers like professors, students and homemakers pay lower than average rates.
Liability preserves assets – The liability coverage on your policy will afford coverage in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Insurance loss data for Audi S4 vehicles – Insurance companies take into consideration historical loss data for every vehicle to determine a rate that will be profitable for them. Vehicles that historically have a trend towards higher claims will have increased rates. The table shown below demonstrates the historical insurance loss data for Audi S4 vehicles.
For each policy coverage, the claim probability for all vehicles compiled together is equal to 100. Values that are 100 or less imply a favorable loss record, while values that are above 100 indicate more frequent claims or a tendency for claims to be larger.
| Specific Audi Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S4 4dr 4WD | 206 | 78 | 182 | 51 | 57 | 75 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insuring your S4 just makes sense
Despite the high insurance cost for a Audi S4 in Sacramento, buying car insurance serves several important purposes.
First, most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, most banks will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Audi at a significantly higher premium and require you to fork over for the expensive policy.
Third, insurance safeguards both your Audi S4 and your assets. Insurance will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in California is currently overpaying as much as $700 annually so compare rate quotes at least once a year to help ensure money is not being wasted.
Which car insurance company is best in California?
Buying coverage from a highly-rated insurer can be challenging considering how many companies sell insurance in Sacramento. The rank data below may help you pick which providers to look at comparing prices from.
Top 10 Sacramento Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Don’t give up on cheap rates
We’ve covered many ideas to find cheaper Audi S4 insurance in Sacramento. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with the smaller companies. They may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.
Budget-conscious Audi S4 insurance can be purchased from both online companies as well as from independent agents in Sacramento, so you need to quote Sacramento auto insurance with both to have the best selection. A few companies do not provide the ability to get a quote online and usually these regional carriers provide coverage only through independent agents.
Steps to finding cheaper rates for Audi S4 insurance in Sacramento
Truthfully, the best way to find the cheapest price for Audi S4 insurance is to make a habit of comparing prices annually from companies who sell insurance in Sacramento. Rates can be compared by completing these steps.
- Step 1: Gain an understanding of coverages and the changes you can make to prevent expensive coverage. Many factors that cause rate increases like accidents, traffic tickets, and an unacceptable credit history can be eliminated by paying attention to minor details.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide prices from multiple sources.
- Step 3: Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is to try to compare identical deductibles and limits on every quote request and to quote with all possible companies. This helps ensure a fair price comparison and a complete price analysis.
To learn more, feel free to browse the resources below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for Drivers with Accidents in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance Quotes for Veterans? (FAQ)
- How Much are Sacramento Car Insurance Rates for State Employees? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- State Laws for Cellphones and Texting (iihs.org)