Affordable Audi S4 Insurance in Honolulu

Discount Audi S4 insuranceIt’s easy to assume that insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper price quotes are very likely to switch car insurance companies because there are good odds of finding better rates. A recent study showed that drivers who compared rates regularly saved as much as $3,500 over four years as compared to drivers who never shopped around for better prices.

If finding the best price on Audi S4 insurance is your goal, then having some insight into how to find companies and compare insurance rates can save time and make the process easier.

The best way we recommend to get budget Audi S4 insurance in Honolulu is to compare prices once a year from different companies who sell insurance in Hawaii. You can compare prices by following these steps.

Step 1: Spend some time learning about how car insurance works and the modifications you can make to keep rates down. Many rating criteria that cause rate increases such as inattentive driving and a substandard credit history can be amended by making minor changes in your lifestyle. Later in this article we will cover information to get low prices and find hidden discounts.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources.

Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company to cancel your existing policy and submit a down payment and signed policy application to the new insurer. Once the application is submitted, keep your new proof of insurance paperwork in your vehicle’s glove compartment or console.

The critical component of shopping around is to try to use identical deductibles and limits on each quote and and to get quotes from as many companies as you can. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.

If you are paying for car insurance now, you will be able to shop for the lowest rates using the concepts you’re about to learn. Shopping around for more affordable auto insurance policy in Honolulu is not as time-consuming as you think. But Hawaii car owners should learn how insurance companies calculate their prices because it varies considerably.

How to get the cheapest Audi S4 insurance in Honolulu

All major insurance companies like Allstate, GEICO and Progressive allow consumers to get coverage prices from their websites. Doing online price comparisons for Audi S4 insurance in Honolulu doesn’t take much effort as you just type in your coverage information into a form. Upon sending the form, their rating system automatically orders reports for credit and driving violations and quotes a price.

Being able to quote online for Audi S4 insurance in Honolulu makes it simple to compare prices and it’s necessary to do this if you want to find a lower rate.

To save time and use this form to compare rates, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. Doing this assures you will have rate quotes for the exact same coverage.

The providers in the list below are ready to provide free rate quotes in Hawaii. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.

Lower-cost Honolulu insurance rates with discounts

Auto insurance companies don’t always publicize the complete list of policy discounts very clearly, so the below list has some of the best known and the harder-to-find insurance savings. If you don’t get every credit available, you’re just leaving money on the table.Cheaper insurance with discounts

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

The illustration below illustrates the comparison of Audi S4 auto insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving citations, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, claim-free, and homeowner discounts applied.

A few of the larger companies and the discounts they provide can be found below.

When comparing rates, check with every prospective company how you can save money. Discounts may not apply to policies in Honolulu. If you would like to choose from a list of companies who offer online Audi S4 insurance quotes in Hawaii, click here.

Car insurance statistics and figures

The coverage information displayed next showcases different prices for Audi S4 models. Being aware of how rate quotes are formulated can assist in making smart choices when choosing a car insurance company.

Audi S4 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $136 $326 $236 $14 $70 $782 $65
S4 Quattro 4-Dr Sedan $136 $326 $236 $14 $70 $782 $65
S4 Quattro 4-Dr Sedan $150 $326 $236 $14 $70 $796 $66
S4 Quattro 4-Dr Sedan $150 $326 $236 $14 $70 $796 $66
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can change prices considerably.

Deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The tables below lay out the rate differences of buying low and high physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Audi S4 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $258 $528 $226 $14 $68 $1,119 $93
S4 Quattro 4-Dr Sedan $258 $528 $226 $14 $68 $1,119 $93
S4 Quattro 4-Dr Sedan $284 $528 $226 $14 $68 $1,145 $95
S4 Quattro 4-Dr Sedan $284 $528 $226 $14 $68 $1,145 $95
Get Your Own Custom Quote Go

Audi S4 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S4 Quattro 4-Dr Sedan $210 $426 $226 $14 $68 $944 $79
S4 Quattro 4-Dr Sedan $210 $426 $226 $14 $68 $944 $79
S4 Quattro 4-Dr Sedan $230 $426 $226 $14 $68 $964 $80
S4 Quattro 4-Dr Sedan $230 $426 $226 $14 $68 $964 $80
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in Honolulu location which can revise rates noticeably.

We can estimate from the data above that using a $250 deductible costs roughly $14 more each month or $168 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 18 months between claims, you would save more money if you decide on a higher deductible.

Reckless driving habits raise car insurance rates

The illustration below highlights how speeding tickets and at-fault collisions can influence Audi S4 premium costs for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Car insurance prices based on gender

The diagram below illustrates the comparison of Audi S4 insurance prices for male and female drivers. The prices are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Cost of full coverage

The diagram below shows the comparison of Audi S4 insurance premiums with and without physical damage coverage. The rates are based on no violations or accidents, $100 deductibles, single status, and no discounts are factored in.

When to drop full coverage

There is no clear-cut formula to stop buying full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Audi S4 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your deductible. If you are paying over $600 annually to have full coverage, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Lower Your Honolulu Insurance Rates

Consumers need to have an understanding of some of the elements that are used to determine the price you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to big savings.

The items below are a few of the “ingredients” companies use to determine prices.

Do you really need roadside assistance? – There are quite a few additional coverages that can waste your money if you aren’t careful. Coverages like personal injury protection, high-cost glass coverage, and term life insurance are probably not needed. You may think they are a good idea at first, but now you might not need them so get rid of them and save.

Do you have enough liability coverage? – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

Get cheaper rates after the wedding – Walking down the aisle may cut your premiums on auto insurance. It may mean you are more mature and responsible it has been statistically shown that married couples file fewer claims.

Cars with good safety ratings save money – Safer cars tend to have better insurance rates. The safest vehicles reduce occupant injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you. If your Audi has ratings of a minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.

Your career may increase rates – Did you know your career choice can influence rates? Jobs such as lawyers, police officers, and medical professionals generally pay higher premiums than the average policyholder attributed to intense work situations and long work days. Conversely, professions such as scientists, athletes and the unemployed pay lower than average rates.

No auto insurance policy gaps is important – Not maintaining insurance is not a good idea and auto insurance companies will penalize you for letting your insurance coverage expire. In addition to paying higher premiums, the inability to provide proof of insurance can result in fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Hawaii DMV.

Insurance losses for an Audi S4 – Insurance companies take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium rate. Vehicles that have higher prevalence or dollar amount of losses will have higher premium rates.

The table shown below demonstrates the historical insurance loss data for Audi S4 vehicles. For each policy coverage type, the claim amount for all vehicles as a whole is a value of 100. Values that are under 100 mean the vehicle has better than average losses, while percentage values above 100 indicate a higher chance of having a claim or statistically larger losses.

Audi S4 Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Audi S4 4dr 4WD 206 78 182 51 57 75

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years