Cheaper 2012 Audi RS 4 Insurance Quotes in 2024

Searching for the cheapest auto insurance rates for your Audi RS 4? Do you get exhausted from robbing Peter to pay Paul to buy auto insurance? You are no different than millions of other people. You have multiple insurers to pick from, and though it is a good thing to have a choice, it can be more challenging to compare company pricing.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will most likely be able to save some money using these techniques. Consumers just need to understand the most effective way to find the lowest price online.

Drivers save money with these money-saving discounts

Car insurance companies do not list every discount available in a way that’s easy to find, so here is a list both the well known as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

• Buy New and Save – Putting auto insurance coverage on a new car can get you a discount because new vehicles have to meet stringent safety requirements.
• College Student – Youth drivers who live away from home at college and leave their car at home could get you a discount.
• Service Members Pay Less – Having a family member in the military could be rewarded with lower rates.
• Senior Citizen Discount – Seniors may receive a small decrease in premiums for RS 4 insurance.
• Passive Restraint Discount – Factory options such as air bags or motorized seat belts can qualify for discounts as much as 30%.
• Bundled Policy Discount – When you have multiple policies with one insurance company you may save at least 10 to 15 percent or more.

Don’t be shocked that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

A few of the larger companies and a partial list of their discounts are outlined below.

• Progressive offers discounts for good student, multi-policy, homeowner, continuous coverage, and multi-vehicle.
• Farmers Insurance offers discounts including homeowner, distant student, alternative fuel, teen driver, mature driver, and early shopping.
• Farm Bureau discounts include multi-policy, renewal discount, good student, youthful driver, safe driver, multi-vehicle, and 55 and retired.
• State Farm offers premium reductions for anti-theft, passive restraint, Drive Safe & Save, good student, student away at school, multiple policy, and driver’s education.
• GEICO may include discounts for federal employee, good student, military active duty, multi-policy, air bags, and multi-vehicle.
• SAFECO policyholders can earn discounts including teen safe driver, anti-theft, homeowner, accident prevention training, bundle discounts, and safe driver.
• Liberty Mutual includes discounts for multi-policy, new graduate, multi-car, preferred payment discount, new move discount, good student, and exclusive group savings.

Before buying, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your area. To find companies that offer many of these discounts, enter your zip code here.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine if you will benefit from professional help.

• Should I have combined single limit or split liability limits?
• Can I rent a car in Mexico?
• If my 2012 Audi RS 4 is totaled, can I afford another vehicle?
• Can I still get insurance after a DUI?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I required to buy liability insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and may give you better protection.

Car insurance 101

Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like rehabilitation expenses, surgery, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage protection

This covers damage to your RS 4 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t be a big spender

Throughout this article, we presented some good ideas how you can shop for 2012 Audi RS 4 insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

When getting insurance coverage quotes online, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.