If saving money is your primary concern, then the best way to find affordable Audi S4 insurance in Scottsdale is to compare prices at least once a year from insurance carriers in Arizona.
- It will benefit you to learn about how car insurance works and the factors you can control to drop your rates. Many rating criteria that result in higher prices like your driving record and a bad credit rating can be rectified by making lifestyle changes or driving safer.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies.
- Compare the new quotes to your existing policy and see if there is a cheaper rate in Scottsdale. If you can save money and switch companies, ensure coverage does not lapse between policies.
One important bit of advice is that you’ll want to make sure you compare the same amount of coverage on every price quote and and to analyze all possible companies. This helps ensure an accurate price comparison and the most accurate and complete price analysis.
Sad but true, most drivers kept buying from the same company for well over three years, and about 40% of consumers have never compared quotes from other companies. Scottsdale drivers could save themselves 50% a year just by shopping around, but they won’t spend time to compare rate quotes.
Affordable Scottsdale Audi S4 insurance quotes
Finding a better price on car insurance doesn’t have to be difficult. Just spend a few minutes to compare rate quotes online from several insurance companies.
It’s so fast and easy to compare quotes online that it makes it obsolete to drive to each insurance agency near you. Quoting and buying Audi S4 insurance online reduces the need to sit down with an agent unless your situation requires the professional abilities of a licensed agent. You can, however, price shop your coverage online but have your policy serviced through an agent.
The companies shown below are our best choices to provide price quotes in Arizona. To locate cheaper car insurance in Scottsdale, we recommend you compare several of them in order to find the lowest rates.
Insurance in Arizona serves several purposes
Despite the high insurance cost for a Audi S4 in Scottsdale, paying for insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability coverage in order to be legal. 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.
- If you bought your Audi S4 with a loan, almost every bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Audi for a lot more money and force you to pay for the much more expensive policy.
- Insurance protects your vehicle and your assets. It also can pay for hospital and medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying insurance definitely exceed the cost, particularly for liability claims. The average driver in America is overpaying over $865 each year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.
Coverage statistics and figures
The data table below highlights different insurance rates for Audi S4 models. Understanding more about how insurance premiums are calculated can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $224 | $498 | $240 | $14 | $72 | $1,048 | $87 |
| S4 Quattro 4-Dr Sedan | $224 | $498 | $240 | $14 | $72 | $1,048 | $87 |
| S4 Quattro 4-Dr Sedan | $248 | $498 | $240 | $14 | $72 | $1,072 | $89 |
| S4 Quattro 4-Dr Sedan | $248 | $498 | $240 | $14 | $72 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in Scottsdale location which can revise auto insurance rates substantially.
Physical damage deductibles: Should you raise them?
One frequently asked question is how high should the physical damage deductibles be. The following tables approximate the differences in price when you select higher and lower physical damage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price chart uses a $500 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 | $236 | $484 | $254 | $16 | $76 | $1,066 | $89 |
| S4 Quattro 4-Dr Sedan | $236 | $484 | $254 | $16 | $76 | $1,066 | $89 |
| S4 Quattro 4-Dr Sedan | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| S4 Quattro 4-Dr Sedan | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can revise insurance rates noticeably.
We can derive from the above data that using a $250 deductible will cost in the ballpark of $17 more each month or $204 annually than quoting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 15 months between claim filings, you would save money if you decide on a higher deductible.
The illustration below illustrates how your choice of deductibles and can increase or decrease Audi S4 premium costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Careless driving habits raise Scottsdale car insurance rates
The example below illustrates how traffic citations and at-fault collisions increase Audi S4 car insurance rates for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Car insurance premiums based on gender
The illustration below shows the difference between Audi S4 auto insurance rates for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Lower-cost Scottsdale car insurance rates with discounts
Some providers don’t always list their entire list of discounts in a way that’s easy to find, so here is a list some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Scottsdale car insurance online.
- Club Memberships – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.
- Senior Citizens – Older drivers may be able to get better car insurance rates.
- Defensive Driver Discount – Successfully completing a safe driver course can save you 5% or more and easily recoup the cost of the course.
- Discount for Home Ownership – Just owning your own home can earn you a little savings because owning a home requires personal responsibility.
- Early Signing – A few larger companies offer discounts for renewing your policy before your current S4 insurance policy expires. You may see this discount when you get Scottsdale car insurance quotes online.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multi-Vehicle Discounts – Buying coverage for all your vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
- Good Driver Discount – Drivers without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Good Student Discount – A discount for being a good student may save you up to 25%. Earning this discount can benefit you up until you turn 25.
- Discount for New Cars – Insuring a new S4 can get you a discount because new vehicles keep occupants safer.
Please keep in mind that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.
The diagram below visualizes the comparison of Audi S4 insurance rates with and without discounts applied to the premium. The data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.
Some of the insurance companies that may offer policyholders most of these discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
When getting free Scottsdale car insurance quotes, it’s a good idea to every prospective company the best way to save money. All car insurance discounts may not apply to policyholders in Scottsdale. To locate insurance companies that offer discounts in Arizona, click here to view.
Independent versus exclusive insurance agents
Many people prefer to get advice from a local agent and there is nothing wrong with that. Experienced insurance agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and still have a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to local insurance agents that can provide free Scottsdale car insurance quotes for your coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go to your email. If you wish to compare rates for a specific company, just visit that company’s website and fill out the quote form the provide.
Deciding on an provider is decision based upon more than just a cheap price. These are valid questions to ask:
- What company holds the largest book of business for them?
- Is the quote a firm price?
- If you have an accident, will your rates go up?
- Do they assist clients in filing claims?
- Is the agent CPCU or CIC certified?
What type of Scottsdale auto insurance agent is right for you?
If you prefer to buy car insurance from a reliable insurance agent, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Car insurance policy providers are categorized either independent or exclusive. Either one can handle car insurance, but it’s important to point out the difference in the companies they write for since it may influence buying decisions.
Exclusive Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. These agents are usually well trained on what they offer which helps overcome the inability to quote other rates.
Listed below are exclusive agencies in Scottsdale that are able to give price quote information.
Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map
Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500 – View Map
Brenda Wix – State Farm Insurance Agent
6401 E Thomas Rd Suite 102 – Scottsdale, AZ 85251 – (480) 994-9200 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not restricted to one company and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparing rate quotes, we highly recommend that you get quotes from a couple of independent agencies for maximum quote selection.
Below are independent insurance agencies in Scottsdale that are able to give rate quotes.
Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223 – View Map
Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map
Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131 – View Map
Upon receiving positive feedback to any questions you may have and an acceptable price quote, it’s possible that you found an auto insurance agent that meets your needs to provide car insurance coverage. It’s important to know that you have the power to cancel coverage for any reason so never feel you are locked into a policy for a certain time period.
Car insurance savings summarized
In this article, we covered a lot of techniques to get a better price on Audi S4 insurance in Scottsdale. The key thing to remember is the more price quotes you have, the higher your chance of finding cheaper Scottsdale car insurance quotes. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
As you quote Scottsdale car insurance, never reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
More affordable car insurance in Scottsdale can be bought online as well as from independent agents in Scottsdale, so you should compare both to have the best selection. Some car insurance companies may not offer online quoting and most of the time these smaller companies prefer to sell through independent agents.
To learn more, take a look at the resources below:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Car Insurance Quotes for a Subaru Forester in Scottsdale? (FAQ)
- How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
- How Much are Scottsdale Auto Insurance Rates for a Company Car? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Car Insurance for Homeowners in Scottsdale? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Choosing a Car for Your Teen (State Farm)