How many years has it been since you compared more affordable Audi S4 insurance in Minneapolis? Searching for cheaper insurance for an Audi S4 in Minnesota can turn out to be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a Audi and obtain the best price possible either online or from Minneapolis insurance agents.
Astonishing but true, most auto insurance customers have stayed with the same insurance company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. The average driver in Minneapolis could save up to 50% each year by just comparing rate quotes, but most just don’t grasp the big savings they would realize if they switch to a new company.
How to compare Minneapolis Audi S4 insurance quotes
The companies shown below have been selected to offer free rate quotes in Minnesota. If you wish to find cheaper auto insurance in Minnesota, we suggest you click on several of them to get the best price comparison.
Get cheaper Audi S4 insurance in Minneapolis with discounts
Buying car insurance is not cheap, but there could be significant discounts that may help make it more affordable. Some discounts apply automatically at the time of quoting, but less common discounts must be specially asked for before you get the savings.
- Telematics Devices – Minneapolis drivers who agree to allow driving data submission to look at driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
- Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on the same car insurance policy can get a discount for every vehicle.
- Auto/Life Discount – Some insurance carriers give a discounted price on car insurance if you buy auto and life insurance together.
- Military Discounts – Having a family member in the military may lower your prices slightly.
- Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
- Government Employee Discount – Having worked for a branch of the government can save as much as 8% with select insurance companies.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.
The diagram below shows the difference between Audi S4 car insurance rates with and without discounts applied to the premium. Data assumes a female driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.
Some companies that may include these discounts include:
Before you buy a policy, ask all companies you are considering to give you their best rates. Savings might not apply in your state. To locate insurers that offer the discounts shown above in Minneapolis, follow this link.
Insurance statistics for an Audi S4
The premium table displayed below outlines a range of insurance rates for Audi S4 models. Being more informed about how insurance rates are established is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $164 | $390 | $284 | $16 | $84 | $938 | $78 |
| S4 Quattro 4-Dr Sedan | $164 | $390 | $284 | $16 | $84 | $938 | $78 |
| S4 Quattro 4-Dr Sedan | $180 | $390 | $284 | $16 | $84 | $954 | $80 |
| S4 Quattro 4-Dr Sedan | $180 | $390 | $284 | $16 | $84 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Table data does not factor in zip code location which can alter rates noticeably.
Insurance deductibles
When buying insurance, a common question is which deductible level should you buy. The rates below determine how much more you’ll pay when you select higher and lower policy deductibles. The first data table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $308 | $634 | $270 | $16 | $80 | $1,333 | $111 |
| S4 Quattro 4-Dr Sedan | $308 | $634 | $270 | $16 | $80 | $1,333 | $111 |
| S4 Quattro 4-Dr Sedan | $340 | $634 | $270 | $16 | $80 | $1,365 | $114 |
| S4 Quattro 4-Dr Sedan | $340 | $634 | $270 | $16 | $80 | $1,365 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $190 | $398 | $270 | $16 | $80 | $954 | $80 |
| S4 Quattro 4-Dr Sedan | $190 | $398 | $270 | $16 | $80 | $954 | $80 |
| S4 Quattro 4-Dr Sedan | $210 | $398 | $270 | $16 | $80 | $974 | $81 |
| S4 Quattro 4-Dr Sedan | $210 | $398 | $270 | $16 | $80 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs roughly $32 more each month or $384 every year averaged for all S4 models than requesting 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 tend to average at least 23 months between claims, you would more than likely save some money if you choose the higher deductible.
Bad driving habits will cost you more
The illustration below shows how violations and at-fault claims drive up Audi S4 auto insurance rates for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Rate comparison of males versus females in Minneapolis
The information below shows the comparison of Audi S4 car insurance rates for male and female drivers. The data assumes no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The chart below compares Audi S4 insurance costs with and without full coverage. The costs are based on no claims, a clean driving record, $1,000 deductibles, single status, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no set rule of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your Audi S4 claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your deductible. If it’s costing you more than $700 annually to have full coverage, then you might consider buying liability only.
There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Buying car insurance from Minneapolis car insurance agents
Many drivers prefer to talk to a local agent and that can be a great decision Professional agents can point out coverage gaps and help file insurance claims. The best thing about comparing rate quotes online is you can get the lowest rates and still have an agent to talk to. Buying from local agencies is still important in Minneapolis.
After completing this form (opens in new window), your coverage information is immediately sent to insurance agents in Minneapolis that can give you free Minneapolis car insurance quotes for your coverage. You won’t need to leave your house as quotes are delivered immediately to you. If you wish to get a price quote from a specific company, feel free to navigate to their website and fill out their quote form.
Two types of car insurance agents
When narrowing the list to find a reliable insurance agent, you need to know there are two different types of agencies and how they are slightly different. Agents in Minneapolis can be classified as either independent agents or exclusive agents. Both can do a good job, but it’s worth mentioning the difference in how they write coverage since it could factor into which agent you choose.
Independent Agents
Independent insurance agents do not sell for just one brand so as a result can place your coverage with an assortment of companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house which requires no work on your part. When searching for an agent, we highly recommend that you contact several independent agencies for the best price selection. They also have the ability to place coverage with smaller companies that may provide cheaper car insurance rates.
Featured below is a small list of independent agencies in Minneapolis that may be able to give you price quotes.
- CBIZ Associated Insurance Agents
2800 Freeway Blvd – Minneapolis, MN 55430 – (763) 549-2200 – View Map - Seguros Amezcua Insurance Agency, Inc
6418 Bass Lake Rd #4 – Minneapolis, MN 55428 – (612) 465-0400 – View Map - Landreau Insurance Group Inc
2615 E Franklin Ave – Minneapolis, MN 55406 – (612) 276-7035 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents receive extensive training on sales techniques and that can be a competitive advantage. Some people will only buy insurance from these agents mainly due to the brand legacy instead of buying on price only.
The following is a list of exclusive agencies in Minneapolis who can help you get rate quotes.
- Farmers Insurance – Mark Hansen
6001 Portland Ave – Minneapolis, MN 55417 – (612) 869-7760 – View Map - Tom Kilton – State Farm Insurance Agent
3430 Nicollet Ave – Minneapolis, MN 55408 – (612) 827-3655 – View Map - State Farm Insurance: Karl Herman
3017 W 56th St – Minneapolis, MN 55410 – (612) 455-8844 – View Map
Choosing an car insurance agent is decision based upon more than just the quoted price. These are some questions you should get answers to.
- What company do they have the most business with?
- How long has their agency been in business in Minneapolis?
- Are all drivers listed on the coverage quote?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they regularly work with personal auto policies in Minneapolis?
- Will the agent or a CSR service your policy?
Auto insurance can get complicated
When it comes to your policy, there really isn’t a one size fits all plan. Your financial needs are unique.
These are some specific questions may help you determine if you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- Does my policy pay for OEM or aftermarket parts?
- Which is better, split liability limits or combined limits?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I get a pro-rated refund if I cancel my policy early?
- Does my Audi S4 qualify for pleasure use?
- Do I need PIP coverage since I have good health insurance?
- At what point should I drop full coverage?
- Should I waive the damage coverage when renting a car?
- Do I need special coverage while pulling a rented trailer?
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.
You Can Change Your Insurance Costs
Lots of things are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, although others are not as apparent like your continuous coverage or how financially stable you are. It’s important that you understand the rating factors that aid in calculating auto insurance rates. If you understand what determines premiums, this enables informed choices that may result in better auto insurance rates.
The factors shown below are some of the major factors utilized by car insurance companies to help set your prices.
Always keep your auto insurance in place – Driving with no insurance can get your license suspended and any future policy may cost more because you let your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance could earn you fines and jail time.
Bundle home and auto and save – Most larger insurers give lower prices to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even with this discount, you may still want to comparison shop to make sure you are getting the best deal.There is a good possibility that you can save even more by splitting coverages up.
Your occupation can affect rates – Careers like lawyers, architects, and accountants usually pay higher rates than the rest of us because of stressful work requirements and lengthy work days. On the flip side, jobs like professors, engineers and the unemployed generally pay rates lower than average.
Pleasure use or commuting – The more miles you rack up on your Audi each year the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that have low annual miles cost less to insure than those used for commuting. Having the wrong rating on your S4 may be costing you. Verify your auto insurance coverage is showing the correct usage for each vehicle.
Audi S4 insurance claim data – Auto insurance companies use past insurance losses when setting premium rates. Models that the statistics show to have a higher amount or frequency of claims will have a higher cost to insure. The table shown below demonstrates the insurance loss data used by companies for Audi S4 vehicles.
For each coverage category, the claim probability for all vehicles averaged together is considered to be 100. Percentage values below 100 are indicative of better than average losses, while values over 100 point to more claims or statistically larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S4 4dr 4WD | 206 | 78 | 182 | 51 | 57 | 75 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance does more than just protect your car
Despite the high cost, car insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means the state requires specific limits of liability insurance coverage if you want to drive legally. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, it’s most likely the lender will require you to buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi for a much higher rate and require you to fork over for it.
- Car insurance protects not only your car but also your assets. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than offset the price you pay, specifically if you ever have a liability claim. The average driver in Minnesota is overpaying more than $820 a year so you should quote rates at every renewal to save money.
Auto insurance savings summarized
Some companies do not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents. Low-cost Audi S4 insurance in Minneapolis is possible from both online companies and with local Minneapolis insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
Drivers who switch companies do it for many reasons like questionable increases in premium, lack of trust in their agent, policy cancellation or even policy non-renewal. Whatever your reason, switching auto insurance companies is not as hard as you think.
In this article, we covered a lot of techniques to compare Audi S4 insurance premium rates in Minneapolis. The most important thing to understand is the more price quotes you have, the higher your chance of finding low cost Minneapolis car insurance quotes. Drivers may even discover the best price on auto insurance is with an unexpected company.
Steps to buying discount Audi S4 insurance in Minneapolis
It takes a little time, but the best way to get budget Audi S4 insurance in Minneapolis is to regularly compare prices from providers in Minnesota. Drivers can shop around by following these steps.
- First, read about how your policy works and the factors you can control to prevent high rates. Many policy risk factors that result in higher rates like traffic violations and poor credit rating can be amended by making small lifestyle or driving habit changes.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote rates from multiple sources.
- Third, compare the new quotes to your current policy premium and determine if cheaper S4 coverage is available. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
One important bit of advice is to compare the same coverage limits and deductibles on every quote and and to get rate quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and maximum price selection.
Additional resources
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Affordable Auto Insurance for a Ford F-150 in Minneapolis? (FAQ)
- How Much is Minneapolis Car Insurance for College Students? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Minneapolis? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)