Auto Insurance Quotes for an Audi S4 in Chicago

Would you like to save money by finding more competitive Audi S4 insurance in Chicago? Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Surprisingly, a recent survey revealed that the vast majority of consumers in Illinois have purchased from the same company for four years or more, and 38% of drivers have never shopped around. Drivers in the U.S. could save about 47% each year by just comparing rate quotes, but they just assume it takes a lot of time to find cheaper rates by getting comparison quotes.

Popular companies such as State Farm and GEICO continually hit you with advertising and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

Smart consumers take time to compare rates occasionally because auto insurance prices change frequently. Just because you had the lowest rates on Audi S4 insurance in Chicago a year ago you will most likely find a better premium rate today. There is lot of inaccurate information about S4 insurance online but you can learn some good information on how to lower your auto insurance premiums.

Best Audi S4 insurance rates in Illinois

The providers in the list below offer price comparisons in Illinois. If multiple companies are listed, we recommend you get rates from several of them to get a more complete price comparison.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in Chicago location which can influence insurance rates noticeably.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The following tables may help you to understand the cost difference when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in Chicago location which can modify coverage rates considerably.

Based on the above data, using a $100 deductible could cost the average driver approximately $37 more each month or $444 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 24 months between claims, you would save money if you choose a higher deductible.

Auto insurance rates based on gender

The illustration below illustrates the comparison of Audi S4 car insurance rates for male and female drivers. The premiums assume no claims or violations, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Reduce your auto insurance rates with discounts

Some insurers don’t always list all discounts in an easy-to-find place, so we took the time to find both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Chicago auto insurance online.

• Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Chicago and leave their car at home could get you a discount.
• Accident Free – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
• More Vehicles More Savings – Buying insurance for all your vehicles with the same auto insurance company may reduce the rate for each vehicle.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more on S4 insurance in Chicago.
• Sign Online – Some of the larger companies will discount your bill up to fifty bucks for completing your application on your computer.
• Telematics Data – Chicago drivers who agree to allow their insurance company to monitor driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
• Save with a New Car – Putting coverage on a new S4 can save you some money since new model year vehicles are generally safer.
• Active Military Service – Being on active deployment in the military could mean lower prices.
• Auto/Life Discount – Larger insurance companies have better prices if you take out some life insurance in addition to your auto policy.

Just know that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few popular companies and some of their more popular discounts are:

• Esurance may have discounts that include online quote, Pac-12 alumni, paid-in-full, anti-lock brakes, Switch & Save, and multi-policy.
• The Hartford has savings for vehicle fuel type, air bag, bundle, defensive driver, good student, and anti-theft.
• AAA discounts include good student, multi-car, education and occupation, multi-policy, and anti-theft.
• GEICO has discounts for anti-theft, membership and employees, daytime running lights, multi-vehicle, military active duty, and emergency military deployment.
• State Farm policyholders can earn discounts including good driver, passive restraint, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.

Double check with all the companies which discounts they offer. Some credits may not be offered in every state. To see a list of auto insurance companies offering auto insurance discounts in Chicago, click here.

Audi S4 Insurance Rate Factors

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates.

Save money by raising physical damage deductibles – The deductibles you choose are how much you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage, aka comp and collision, protects your car from damage. Examples of covered claims are rearending another vehicle, damage from fire, and damage caused by road hazards. The more of the claim the insured is willing to pay, the bigger discount you will receive.

Extra policy coverages that aren’t used – There are many extra add-on coverages you can purchase if you aren’t careful. Insurance for things like roadside assistance, towing, and Farm Bureau memberships are probably not needed. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.

Cheaper to insure women? – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females are in at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also statistically get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents so they pay the highest premiums.

Liability is important – Your auto insurance policy’s liability coverage will protect you if you are found liable for an accident. This coverage provides legal defense which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so drivers should carry high limits.

Deter vehicle theft – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.

Audi S4 claim statistics – Insurers analyze historical claim data to calculate a rate that offsets possible losses. Vehicles that the data shows to have high amounts or severity of claims will have higher premium rates. The table below illustrates the actual insurance loss data for Audi S4 vehicles.

For each coverage type, the statistical loss for all vehicles compiled together is represented as 100. Values below 100 suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

Which is the best car insurance?

Always remember that when buying your policy for your personal vehicles, there really is no cookie cutter policy. You are unique so your insurance should reflect that
For example, these questions can aid in determining whether or not you could use an agent’s help.

• What is no-fault insurance?
• How much cheaper are high deductibles?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are split liability limits better than a combined single limit?
• What can I do if my company won’t pay a claim?
• What if an uninsured driver hits me?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Auto insurance agents can find coverage gaps

Certain consumers still prefer to talk to a local agent. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, your insurance data is immediately sent to agents in your area who will return price quotes for your insurance coverage. There is no reason to find an agent as quotes are delivered to your email. Get lower rates AND an agent nearby. If for some reason you want to get a comparison quote for a specific company, you can always jump over to their website and give them your coverage information.

Finding the right insurer requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

• Do you need full coverage on every vehicle?
• What are their preferred companies if they are an independent agency?
• How are claims handled?
• Does the company allow you to choose your own collision repair facility?
• Is the agency active in community causes in Chicago?
• Are aftermarket or OEM parts used to repair vehicles?
• Who are their largest clients?
• Is the agency covered by Errors and Omissions coverage?

Pick the best car insurance agent in Chicago for you

If you need to find a good Chicago insurance agent, it can be helpful to understand the types of insurance agents and how they are slightly different. Agents are considered either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Agents of this type can only place business with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are usually well trained on the products they sell which can be an advantage.

The following are exclusive insurance agencies in Chicago that can give you price quote information.

View more Chicago agents

Independent Insurance Agents

Agents that choose to be independent are not employed by one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If premiums increase, your agent can switch companies and the insured can keep the same agent. When searching for an agent, you absolutely need to get some free quotes from a few independent agents to have the most options to choose from.

Listed below is a list of independent agents in Chicago that can give you price quotes.

View more Chicago agents

The car insurance bait and switch

Allstate, GEICO and Progressive endlessly run ads in print and on television. All the ads say the same thing that drivers can save some big amount if you move your policy. But how can every company make almost identical claims? It’s all in how they say it.

All the different companies are able to cherry pick for the type of insured that earns them a profit. One example of a desirable insured could be between the ages of 30 and 45, has few claims, and drives a vehicle with a low ISO rating. A customer getting a price quote that hits that “sweet spot” will probably get cheap premium rates and therefore will save money with a new company.

Insureds who don’t qualify for this stringent profile may be forced to pay a more expensive rate with the end result being the prospect going elsewhere. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make claims that they all have the best rates. Different companies use different criteria so it’s extremely important to do a quote comparison often. It’s not possible to predict which car insurance company will have the best prices for your profile.

Affordable car insurance rates are possible

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Budget-conscious Audi S4 insurance is available from both online companies and with local Chicago insurance agents, so you need to quote Chicago auto insurance with both to have the best selection. Some insurance companies may not provide online rate quotes and usually these regional carriers provide coverage only through independent agencies.

For more information, feel free to visit the following helpful articles:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance Quotes for Drivers with Bad Credit in Chicago? (FAQ)
• What Auto Insurance is Cheapest for a Nissan Versa in Chicago? (FAQ)
• Who Has the Cheapest Chicago Auto Insurance for Teenagers? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)