We don’t have to point out that fact that auto insurance companies don’t want you shop around. Drivers who rate shop once a year are highly likely to buy a different policy because there is a great chance of finding better rates. A recent auto insurance study revealed that consumers who compared prices once a year saved an average of $865 annually compared to those who never compared other company’s rates.
If saving money on Audi S4 insurance is your goal, then learning about the best way to quote and compare insurance rates can help simplify the process.
If your goal is the lowest price, then the best way to find discount Audi S4 insurance in Tampa is to start doing an annual price comparison from different companies in Florida.
- Try to learn about coverages and the factors you can control to keep rates in check. Many factors that increase rates like getting speeding tickets and a bad credit score can be controlled by making minor driving habit or lifestyle changes.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
- Compare the new quotes to the premium of your current policy to determine if you can save on S4 insurance in Tampa. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
- Notify your agent or company of your intention to cancel the current policy. Submit a down payment along with a signed application to your new agent or company. As soon as you receive it, store the certificate verifying coverage in your vehicle.
One key aspect of rate comparisons is to use the same level of coverage on each price quote and and to get prices from as many different insurance providers as possible. Doing this guarantees a level playing field and the most accurate and complete price analysis.
When comparison shopping, there are several ways of comparing price quotes from different companies. The quickest method to find affordable Audi S4 insurance rates involves getting comparison quotes online.
When comparing insurance rates, know that comparing more quotes helps you find more affordable insurance. Not every company allows you to get rate quotes online, so it’s important to also get price quotes from those companies as well.
The companies shown below are ready to provide quotes in Florida. If you want cheap car insurance in Tampa, we recommend you click on several of them to find the lowest car insurance rates.
Buying the right S4 insurance in Florida is an important decision
Despite the high insurance cost for a Audi S4 in Tampa, auto insurance is required for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Audi S4 has a lienholder, it’s most likely the lender will require you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi for a lot more money and require you to pay for the expensive policy.
- Insurance protects your vehicle and your assets. It will also cover medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in Florida is overpaying more than $869 every year so it’s recommended you shop around at every policy renewal to save money.
Detailed insurance information
The rate information shown next covers different insurance policy prices for Audi S4 models. Having a good understanding how car insurance premiums are formulated is important to be able to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $216 | $514 | $400 | $24 | $120 | $1,274 | $106 |
| S4 Quattro 4-Dr Sedan | $216 | $514 | $400 | $24 | $120 | $1,274 | $106 |
| S4 Quattro 4-Dr Sedan | $238 | $514 | $400 | $24 | $120 | $1,296 | $108 |
| S4 Quattro 4-Dr Sedan | $238 | $514 | $400 | $24 | $120 | $1,296 | $108 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific location which can alter prices substantially.
An analysis of deductible level
When buying insurance, a common question is the level to set your comp and collision deductibles. The following tables can help you understand the rate difference when you select higher and lower comp and collision deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $452 | $994 | $354 | $20 | $106 | $1,951 | $163 |
| S4 Quattro 4-Dr Sedan | $452 | $994 | $354 | $20 | $106 | $1,951 | $163 |
| S4 Quattro 4-Dr Sedan | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| S4 Quattro 4-Dr Sedan | $498 | $994 | $354 | $20 | $106 | $1,997 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| S4 Quattro 4-Dr Sedan | $250 | $524 | $354 | $20 | $106 | $1,254 | $105 |
| S4 Quattro 4-Dr Sedan | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| S4 Quattro 4-Dr Sedan | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can modify premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you about $59 more each month or $708 every year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 15 months between claims, you would probably come out ahead if you decide on a higher deductible. The numbers below show how this determination is made.
| Average monthly premium for $100 deductibles: | $165 |
| Average monthly premium for $1,000 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $59 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $59 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The example below illustrates how choosing a deductible and can raise or lower Audi S4 insurance rates for each different age category. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
Insurance prices based on gender
The diagram below shows the comparison of Audi S4 auto insurance costs for male and female drivers. The information is based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The diagram below illustrates the difference between Audi S4 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no set rule of when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Audi S4 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the deductible is paid. If you are currently paying more than $400 a year to have full coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Get cheaper rates by receiving discounts
Insuring your fleet can be pricey, but you may find discounts that you may not know about. Certain credits will be shown at quote time, but a few need to be asked about prior to getting the savings.
- Tampa Homeowners Discount – Owning a home in Tampa may trigger a policy discount on auto insurance because owning a home requires personal responsibility.
- Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in high school.
- Discounts for Good Drivers – Safe drivers can save up to 40% or more on their Tampa auto insurance quote compared to rates paid by drivers with frequent claims.
- Active Military Service – Being on active duty in the military could be rewarded with lower rates.
- Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings of more than 20%.
- Savings for New Vehicles – Adding a new car to your policy can save up to 30% since new model year vehicles have better safety ratings.
- Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
- Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
- Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one insurance company they may give you a discount of 10% to 20% off each policy.
Discounts lower rates, but most discounts do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.
The chart below illustrates the comparison of Audi S4 insurance rates with and without some available policy discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $1,000 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.
Some of the larger companies that may offer quotes with these benefits possibly include:
Check with every company which credits you are entitled to. Some discounts listed above may not be available in every state.
Local Tampa insurance agents
A small number of people would rather have an agent’s advice and doing so can bring peace of mind The biggest benefit of comparing insurance online is the fact that drivers can get the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is important especially in Tampa.
Once you complete this quick form, your insurance data is submitted to local insurance agents in Tampa who want to provide quotes for your insurance coverage. It makes it easy because there is no need to leave your computer as quotes are delivered to the email address you provide. It’s the lowest rates and an insurance agent to talk to. In the event you want to compare prices from a specific insurance company, you just need to jump over to their website and fill out the quote form the provide.
Multiple types of auto insurance agents in Tampa
When narrowing the list to find a reputable insurance agent or broker, you should know the types of agencies that you can choose from. Tampa agents can either be independent or exclusive.
Independent Insurance Agencies
Agents that elect to be independent are not restricted to one company so they can insure your vehicles with many different companies and help determine which has the cheapest rates. If they quote lower rates, your agent can switch companies which requires no work on your part.
When comparing rates, you absolutely need to get several quotes from a few independent agents to have the best price comparison. A lot of them also have access to small regional insurance companies which can save you money.
Below are independent insurance agents in Tampa who can help you get free insurance quotes.
- Charlies Agents Insurance Agency
2701 N Himes Ave #201 – Tampa, FL 33607 – (813) 831-8363 – View Map - Carron Insurance Agency, Inc
1010 W Cass St – Tampa, FL 33606 – (813) 926-0512 – View Map - GreatFlorida Insurance – Bill Sullivan
10353 Cross Creek Blvd Suite C – Tampa, FL 33647 – (813) 994-1143 – View Map
Exclusive Agents
Exclusive agencies can only provide one company’s prices such as Farmers Insurance and State Farm. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently use the same agent mainly due to the brand instead of buying on price only.
The following are exclusive insurance agencies in Tampa that are able to give price quote information.
- State Farm: Jimmy Fisher
6920 E Fowler Ave – Tampa, FL 33617 – (813) 989-2037 – View Map - Jim Cornwell – State Farm Insurance Agent
4305 W Bay to Bay Blvd – Tampa, FL 33629 – (813) 835-8892 – View Map - Allstate Insurance: Paul H. Phaneuf
3641 W Kennedy Blvd F – Tampa, FL 33609 – (813) 353-0303 – View Map
Choosing the best insurance agent is decision based upon more than just the premium amount. Below are some questions you should ask.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- When do they do a full risk review?
- How experienced are they in personal risk management?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What company holds the largest book of business for them?
- What is the financial rating for the quoted company?
If you get reasonable responses to any questions you have as well as offering an affordable quote, you’ve probably found an insurance agency that meets the criteria to properly insure your vehicles.
How much can you save?
People who switch companies do it for a variety of reasons including questionable increases in premium, delays in responding to claim requests, delays in paying claims or even policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.
Throughout this article, we presented many ideas to lower your Audi S4 insurance car insurance rates in Tampa. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with a small mutual company.
When you buy Tampa auto insurance online, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.
For more information, link through to the following helpful articles:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Teenage Females in Tampa? (FAQ)
- Who Has Cheap Tampa Car Insurance Quotes for a Hyundai Elantra? (FAQ)
- Who Has Cheap Auto Insurance Quotes for State Employees in Tampa? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)