Affordable Rates for Audi S4 Insurance in Long Beach

How long has it been since you shopped around for the cheapest Audi S4 insurance in Long Beach? No sane person looks forward to paying for auto insurance, especially when it costs too dang much.

Shocking but true, the vast majority of consumers renewed their policy with the same company for at least four years, and just under half have never compared rates from other carriers. Long Beach insurance shoppers could save almost 35% every year just by getting comparison quotes, but they don’t know the amount of savings they would get if they switch to a new company. People have multiple car insurance companies to pick from, and even though it’s nice to have a choice, more options can take longer to find the lowest cost provider for Audi S4 insurance in Long Beach.

It’s important to compare prices before your policy renews because auto insurance prices change quite often. Despite the fact that you may have had the best quotes on Audi S4 insurance in Long Beach at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to find lower rates on auto insurance.

How Car Insurance Companies Calculate Audi S4 Insurance Rates

Lots of things are taken into consideration when quoting car insurance. A few of the factors are predictable like your driving record, but others are not quite as obvious like your vehicle usage or your vehicle rating.

The items below are a few of the “ingredients” that factor into your prices.

Pay less with a high IIHS safety rating – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Audi scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Your address can push rates up or down – Choosing to live in smaller towns and rural areas of the country is a positive aspect when talking about car insurance. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims. Urban drivers have to deal with much more traffic and more time behind the wheel. Spending more time driving can result in more accidents.

Policy add-ons add up – Insurance policies have a lot of add-on coverages that may not really be needed on your car insurance policy. Coverage for things like roadside assistance, accident forgiveness, and Farm Bureau memberships could be just wasting money. They may seem good initially, but if you’ve never needed them in the past consider taking them off your policy.

Cheaper to insure women? – Statistics show women tend to be less risk to insure than men. However, this does not mean females are better drivers. Both genders have fender benders at about the same rate, but the males tend to have more serious accidents. Men also tend to receive more costly citations like DWI (DUI) or reckless driving.

The chart below shows the difference between Audi S4 auto insurance rates for male and female drivers. The premiums assume no claims or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Having a spouse can lower premiums – Having a spouse can get you a discount on your policy. It generally demonstrates drivers are more stable financially and statistics prove married drivers tend to file fewer claims.

Always have car insurance – Having a lapse in insurance coverage will be a quick way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Pay more for higher performance vehicles – The performance level of the car or truck you are buying insurance for makes a big difference in your premium level. The cheapest insurance rates are usually for economy passenger models, but many other things help determine your insurance rates.

The data below assumes a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Audi S4 car insurance rates compared to other makes and models that have a range of performance rating factors.

Audi S4 claim statistics – Auto insurance companies analyze historical claim data to calculate a price that offsets possible losses. Models that are shown to have increased losses will have higher premium rates. The table below shows the compiled insurance loss statistics for Audi S4 vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Numbers below 100 suggest a better than average loss history, while values over 100 indicate a higher chance of having a claim or tendency to have larger claims.

The companies shown below can provide free rate quotes in California. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.

Audi S4 insurance coverage information

The data table displayed below showcases estimates of coverage prices for Audi S4 models. Being more informed about how premiums are calculated is important for you to make smart choices when purchasing an insurance policy.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in vehicle location which can decrease or increase insurance rates greatly.

Deductible comparison

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following tables determine the costs and benefits between low and high insurance deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in your specific Long Beach location which can lower or raise rates noticeably.

Based on the above data, using a $100 deductible will cost you approximately $62 more each month or $744 a year across all Audi S4 models than selecting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 15 months between claims, you would probably save some money if you opt for a higher deductible.

An important sidenote is that higher deductibles results in more money out-of-pocket when you have a claim. That will force you to have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

The chart below illustrates how your choice of deductibles and can affect Audi S4 insurance premiums for each different age group. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Careless Long Beach drivers pay higher rates

The information below demonstrates how speeding tickets and at-fault accidents can drive up Audi S4 auto insurance costs for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Full coverage versus liability-only

The illustration below illustrates the difference between Audi S4 insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

When to buy liability coverage only

There is no definitive guideline to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Audi S4 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Audi S4 insurance, insurance is mandatory in California but it also protects more than you think.

• The majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance coverage in order to be legal. 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.
• If your S4 has a loan, almost every bank will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Audi for a lot more money and require you to fork over a much higher amount than you were paying before.
• Insurance safeguards not only your car but also your financial assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of having insurance are definitely more than the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays as much as $825 a year so compare rates each time the policy renews to help ensure money is not being wasted.

Earn discounts on Long Beach auto insurance

Car insurance is not cheap, but there could be significant discounts that you may not know about. A few discounts will be applied when you quote, but occasionally some discounts must be manually applied before being credited. If you do not double check each discount available, you could be getting lower rates.

• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• Federal Employees – Federal government employees may reduce rates when you quote Long Beach car insurance with a few auto insurance companies.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
• Student in College – Kids living away from Long Beach attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Own a Home – Being a homeowner may trigger a policy discount on auto insurance since home ownership is proof that your finances are in order.
• Paperwork-free – Some of the larger companies may give you up to $50 just for signing your application on your computer.
• Onboard Data Collection – Long Beach drivers who agree to allow their company to look at where and when they drive by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class as it can save substantially.
• Club Memberships – Being in a civic or occupational organization in Long Beach may earn a discount when getting a Long Beach car insurance quote.

As a sidenote, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

The diagram below shows the difference between Audi S4 annual premium costs with and without discounts applied to the policy rates. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.

Larger auto insurance companies and a selection of discounts include:

• Travelers includes discounts for continuous insurance, driver training, early quote, IntelliDrive, and new car.
• 21st Century offers discounts including anti-lock brakes, homeowners, theft prevention, 55 and older, driver training, automatic seat belts, and student driver.
• State Farm policyholders can earn discounts including passive restraint, Steer Clear safe driver discount, accident-free, multiple policy, safe vehicle, and student away at school.
• GEICO offers premium reductions for multi-policy, anti-theft, air bags, five-year accident-free, good student, and defensive driver.
• SAFECO offers discounts for multi-car, accident prevention training, anti-lock brakes, anti-theft, drive less, and safe driver.
• AAA may have discounts that include AAA membership discount, multi-car, education and occupation, good driver, good student, and multi-policy.

Before you buy a policy, ask each company what discounts are available to you. All car insurance discounts might not be offered on policies everywhere. If you would like to view insurers that offer many of these discounts in Long Beach, click this link.

You may want advice from a local insurance agent

Certain consumers just prefer to go talk to an agent and that is OK! Insurance agents are trained risk managers and will help you if you have claims. One of the best bonuses of comparing rates online is that you can obtain lower prices and still choose a local agent. Buying from and supporting neighborhood agents is still important in Long Beach.

To make it easy to find an agent, after completing this simple form, your information gets sent to local insurance agents who will return price quotes for your business. It makes it easy because there is no need to leave your house because quoted prices will be sent to you. If you want to get a price quote from a specific car insurance provider, feel free to visit that company’s website and fill out the quote form the provide.

If you are searching for a local Long Beach insurance agency, you need to know there are two types of insurance agents and how they work. Agents are considered either independent or exclusive depending on the company they work for. Both write car insurance policies, but we need to point out how they are different since it can impact the selection process.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent are not employed by one company so they have the ability to put coverage with many different companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. If you are comparing car insurance prices, it’s recommended you include rate quotes from at least one independent agent in order to compare the most rates.

The following is a short list of independent agents in Long Beach that may be able to give competitive price quotes.

View more agents

Exclusive Insurance Agencies

Exclusive agents can only provide pricing for a single company and examples are Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.

Listed below are exclusive insurance agencies in Long Beach who can help you get comparison quotes.

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Selecting an auto insurance agent is decision based upon more than just a low price. The following questions are important to ask.

• Do the coverages you’re quoting properly cover your vehicle?
• Does the quote include credit and driving reports?
• Is the agent properly licensed in California?
• Does the company have a solid financial rating?
• Do they assist clients in filing claims?
• How much can you save by raising your physical damage deductibles?
• Is their price quote a firm figure or are their hidden costs?
• Are claim adjusters local or do you have to take your car somewhere else?

California car insurance companies ranked

Finding the best auto insurance provider is hard considering how many different insurance companies sell coverage in California. The company information displayed below could help you select which auto insurance companies you want to consider when comparing rate quotes.

Top 10 Long Beach Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Lower rates by being persistent

When shopping online for insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits and learned later that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Cheap Audi S4 insurance in Long Beach is available from both online companies in addition to many Long Beach insurance agents, so you need to quote Long Beach car insurance with both in order to have the best price selection to choose from. Some insurance companies may not have the ability to get quotes online and many times these regional insurance providers provide coverage only through independent agencies.

Steps to finding cheaper Audi S4 insurance in Long Beach

Truthfully, the best way to get more affordable auto insurance rates in Long Beach is to do a yearly price comparison from insurance carriers in California. Rates can be compared by following these steps.

• Step 1: Learn about the different coverages in a policy and the measures you can take to prevent expensive coverage. Many rating criteria that cause rate increases like traffic violations, accidents, and a low credit rating can be remedied by making minor changes to your lifestyle.
• Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide prices from multiple insurance companies.
• Step 3: Compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
• Step 4: Provide proper notification to your current company of your decision to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new company or agent. Once the application is submitted, place the new proof of insurance certificate along with the vehicle’s registration papers.

One important bit of advice is to try to compare identical limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and many rates to choose from.

More detailed insurance information can be read in these articles:

• What is Full Coverage? (Allstate)
• What Car Insurance is Cheapest for a Nissan Altima in Long Beach? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Child Safety FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)