Shocking but true, a large majority of auto insurance policyholders have been with the same company for over three years, and almost half have never shopped around. Drivers in Arizona could save themselves about $733 a year by just shopping around, but they feel it’s too difficult to do a rate comparison.
It takes a few minutes, but the best way to find cheaper auto insurance rates is to do a yearly price comparison from different companies in Mesa. Prices can be compared by following these steps.
First, get an understanding of how companies price auto insurance and the measures you can control to lower rates. Many policy risk factors that cause high rates such as accidents, careless driving, and an unacceptable credit rating can be amended by making lifestyle changes or driving safer.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of companies.
Third, compare the new quotes to your current policy premium and determine if cheaper S4 coverage is available in Mesa. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company of your intent to cancel your current auto insurance policy. Submit a completed policy application and payment to the new company. Once coverage is bound, keep your new proof of insurance paperwork along with your vehicle registration.
The most important part of this process is to make sure you enter identical limits and deductibles on every quote request and and to get rate quotes from as many car insurance companies as possible. This enables a level playing field and a complete rate analysis.
Cheapest Audi S4 insurance price quotes in Mesa
The providers in the list below have been selected to offer free quotes in Mesa, AZ. In order to find cheaper auto insurance in Mesa, we recommend you visit two to three different companies to get the most competitive price.
Why auto insurance is not optional
Despite the fact that auto insurance is not cheap in Mesa, auto insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a lienholder, it’s most likely the lender will require you to carry insurance to guarantee their interest in the vehicle. If the policy lapses, the lender may insure your Audi at a more expensive rate and force you to pay the higher premium.
Third, auto insurance preserves not only your Audi S4 but also your assets. It will also pay for medical bills incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If your Audi gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of having auto insurance outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying more than $865 each year so you should quote rates once a year at a minimum to ensure rates are competitive.
Audi S4 insurance rates and statistics
The premium table shown below covers detailed analysis of policy rates for Audi S4 models. Knowing how insurance policy premiums are determined is important for making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $250 | $594 | $240 | $14 | $72 | $1,170 | $98 |
| S4 Quattro 4-Dr Sedan | $250 | $594 | $240 | $14 | $72 | $1,170 | $98 |
| S4 Quattro 4-Dr Sedan | $276 | $594 | $240 | $14 | $72 | $1,196 | $100 |
| S4 Quattro 4-Dr Sedan | $276 | $594 | $240 | $14 | $72 | $1,196 | $100 |
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can decrease or increase insurance rates substantially.
Auto insurance deductibles
One of the most common auto insurance questions is at what level do you set your deductibles. The comparisons below may help to illustrate the costs and benefits when you choose different policy deductibles. The first data table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $292 | $600 | $254 | $16 | $76 | $1,263 | $105 |
| S4 Quattro 4-Dr Sedan | $292 | $600 | $254 | $16 | $76 | $1,263 | $105 |
| S4 Quattro 4-Dr Sedan | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| S4 Quattro 4-Dr Sedan | $322 | $600 | $254 | $16 | $76 | $1,293 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $180 | $376 | $254 | $16 | $76 | $902 | $75 |
| S4 Quattro 4-Dr Sedan | $180 | $376 | $254 | $16 | $76 | $902 | $75 |
| S4 Quattro 4-Dr Sedan | $198 | $376 | $254 | $16 | $76 | $920 | $77 |
| S4 Quattro 4-Dr Sedan | $198 | $376 | $254 | $16 | $76 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific location which can affect insurance rates noticeably.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $31 more each month or $372 each year than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 24 months between claims, you would save money if you opt for a higher deductible.
The diagram below shows how choosing a deductible and can influence Audi S4 yearly insurance costs for each age group. The rates are based on a married female driver, full coverage, and no discounts are factored in.
Drive responsibly or pay higher rates
The chart below shows how traffic citations and fender-benders increase Audi S4 yearly insurance costs for different age groups. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Full coverage versus liability-only in Mesa
The example below illustrates the difference between Audi S4 yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or accidents, $250 deductibles, drivers are not married, and no additional discounts are factored in.
When to drop full coverage
There isn’t a written rule of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Audi S4 replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying over $600 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Determine discounts on Mesa insurance
Car insurance can cost a lot, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked for before you get the savings.
- Organization Discounts – Being in specific professional or occupational memberships or organizations may earn a discount on your policy.
- Discount for Home Ownership – Owning a home in Mesa may trigger a policy discount on insurance because maintaining a house requires a higher level of personal finance.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
- No Claim Discounts – Drivers who don’t have accidents have much lower rates in comparison with bad drivers.
- Discount for Life Insurance – If the company offers life insurance, you could get lower rates if you buy some life insurance too.
- Distant Student – Older children who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
One thing to note about discounts is that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount should help lower the premium cost.
The diagram below illustrates the difference between Audi S4 insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.
Some companies that have many of the previously listed discounts possibly include:
When comparing rates, check with every prospective company to apply every possible discount. Some discounts listed above might not be offered in Mesa. To view insurance companies that offer some of these discounts in Arizona, click this link.
When should I discuss my situation with an agent?
When choosing coverage, there isn’t really a best way to insure your cars. Your needs are unique to you.
For example, these questions might help in determining whether your personal situation might need professional guidance.
- Is my babysitter covered when using my vehicle?
- Am I covered if I back into my garage door?
- What should my uninsured motorist coverage limits be in Arizona?
- Are there any extra discounts I can get?
- Is rental equipment covered for theft or damage?
- How do I file an SR-22 for a DUI in Arizona?
- Is my Audi S4 covered for smoke damage?
- Does coverage extend to my business vehicle?
- Exactly who is provided coverage by my policy?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.