Cheap Quotes for Audi S4 Insurance in Memphis

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If you want to find the absolute lowest rates, then the best way to get more affordable Audi S4 insurance in Memphis is to start doing a yearly price comparison from insurers in Tennessee.

  1. Take a few minutes and learn about how car insurance works and the measures you can control to prevent expensive coverage. Many policy risk factors that increase rates such as accidents, traffic tickets, and a less-than-favorable credit score can be controlled by making minor driving habit or lifestyle changes. This article gives information to get low prices and get discounts that may be available to you.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources.
  3. Compare the quotes to your existing rates and see if there is a cheaper rate in Memphis. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.
  4. Provide proper notification to your current company of your intention to cancel your existing policy and submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

One tip to remember is to use the same level of coverage on every price quote and and to analyze every insurance company. This provides an apples-to-apples comparison and the best price selection.

Insurance rates Audi S4 in MemphisInconceivable but true, most drivers in Tennessee have been with the same company for well over three years, and roughly 40% of drivers have never compared rates from other carriers. The average driver in the United States could save themselves roughly 46.5% a year just by comparing rates, but they just don't want to go online and compare rates.

When quoting auto insurance, remember that quoting more increases your odds of finding the best price.

The following companies have been selected to offer comparison quotes in Memphis, TN. If you wish to find cheap car insurance in Memphis, it's a good idea that you compare several of them to get the most competitive price.

Auto insurance is not optional

Even though Memphis S4 insurance rates can get expensive, insuring your vehicle serves several important purposes.

  • Almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance in order to get the vehicle licensed. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If you have a lien on your S4, almost every bank will force you to have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Audi at a more expensive rate and force you to reimburse them much more than you were paying before.
  • Auto insurance protects both your assets and your vehicle. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car greatly outweigh the cost, especially with large liability claims. But the average American driver is currently overpaying as much as $865 each year so compare rate quotes at least once a year to be sure current rates are still competitive.

Audi S4 insurance rate analysis

The information below covers a range of coverage prices for Audi S4 models. Knowing how car insurance premiums are formulated can be of help when making decisions when shopping your coverage around.

Audi S4 Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $198 $362 $322 $20 $96 $998 $83
S4 Quattro 4-Dr Sedan $198 $362 $322 $20 $96 $998 $83
S4 Quattro 4-Dr Sedan $218 $362 $322 $20 $96 $1,018 $85
S4 Quattro 4-Dr Sedan $218 $362 $322 $20 $96 $1,018 $85
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Memphis which can lower or raise auto insurance rates substantially.

Policy deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The comparisons below determine the differences in premium rates between low and high comp and collision deductibles. The first rate quote example uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Audi S4 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $280 $578 $246 $14 $74 $1,217 $101
S4 Quattro 4-Dr Sedan $280 $578 $246 $14 $74 $1,217 $101
S4 Quattro 4-Dr Sedan $310 $578 $246 $14 $74 $1,247 $104
S4 Quattro 4-Dr Sedan $310 $578 $246 $14 $74 $1,247 $104
Get Your Own Custom Quote Go
Audi S4 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $174 $362 $246 $14 $74 $870 $73
S4 Quattro 4-Dr Sedan $174 $362 $246 $14 $74 $870 $73
S4 Quattro 4-Dr Sedan $192 $362 $246 $14 $74 $888 $74
S4 Quattro 4-Dr Sedan $192 $362 $246 $14 $74 $888 $74
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific location information which can modify prices considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $29 more each month or $348 each year across all Audi S4 models than quoting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 26 months between claims, you would probably save some money if you elect the higher deductible.

Audi S4 insurance rates: Men versus women

The illustration below compares Audi S4 car insurance costs for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied.

Do you need full coverage?

The chart below illustrates the difference between Audi S4 yearly insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no clear-cut formula to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Audi S4 claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If it's costing in excess of $800 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.

These discounts can reduce Audi S4 insurance rates

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts to reduce the price significantly. Certain reductions will be credited when you purchase, but some discounts are required to be inquired about before being credited.Cheaper auto insurance with discounts

  • Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Good Student Discount - Maintaining excellent grades can save 20 to 25%. The discount lasts until age 25.
  • Data Collection Discounts - People who choose to allow driving data submission to analyze driving manner remotely such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if they have good driving habits.
  • Resident Student - Older children who live away from home to go to college and do not have a car may qualify for this discount.
  • Low Mileage Discounts - Driving less could qualify for lower premium rates on the low mileage vehicles.
  • Discounts for Federal Employees - Simply working for the federal government may reduce rates when you quote Memphis car insurance depending on your auto insurance provider.
  • Seat Belt Usage - Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, that's just not realistic.

The diagram below shows the comparison of Audi S4 insurance costs with and without policy discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, multi-car, and claim-free discounts applied.

Companies and a partial list of their discounts include:

  • GEICO may have discounts that include anti-lock brakes, defensive driver, multi-policy, daytime running lights, and membership and employees.
  • Mercury Insurance offers premium reductions for ease of repair, location of vehicle, good driver, type of vehicle, and multi-policy.
  • Farmers Insurance discounts include good student, early shopping, switch companies, teen driver, alternative fuel, youthful driver, and multi-car.
  • Auto-Owners Insurance policyholders can earn discounts including air bags, anti-theft, company car, good student, teen driver, and multiple vehicles.
  • Liberty Mutual may include discounts for safety features, hybrid vehicle, new move discount, good student, multi-car, and teen driver discount.
  • SAFECO may offer discounts for anti-theft, drive less, teen safety rewards, homeowner, multi-car, anti-lock brakes, and accident prevention training.
  • Progressive includes discounts for good student, online signing, multi-policy, homeowner, continuous coverage, and online quote discount.
  • USAA has discounts for new vehicle, defensive driver, annual mileage, loyalty savings, driver training, family discount, and vehicle storage.

Check with each insurance company to give you their best rates. Depending on the company, some discounts may not be available in Memphis. To see providers offering auto insurance discounts in Memphis, click this link.

You may need specialized insurance coverage

Keep in mind that when it comes to choosing the right insurance coverage, there is no one-size-fits-all type of policy. Each situation is unique and a cookie cutter policy won't apply.Drive safe and save For instance, these questions might point out if your situation might need an agent's assistance.

  • Should I buy only the required Tennessee minimum liability coverage?
  • Can I cancel at any time?
  • What can I do if my company denied a claim?
  • Do all my vehicles need collision coverage?
  • Am I covered if I back into my garage door?
  • How much underlying liability do I need for an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered while delivering pizza?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Tennessee car insurance company ratings

Choosing the highest-rated insurance provider can be difficult considering how many companies sell coverage in Tennessee. The company information displayed below may help you pick which coverage providers you want to consider comparing rate quotes with.

Top 10 Memphis Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General