If saving the most money is your goal, then the best way to get cheaper auto insurance rates is to start comparing prices regularly from different companies who sell insurance in Fort Wayne. Prices can be compared by following these guidelines.
First, take a little time to learn about individual coverages and the things you can change to prevent high rates. Many things that are responsible for high rates like accidents, careless driving, and a bad credit rating can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover the details to get cheaper rates and find missing discounts.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote prices for a wide range of companies.
Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
Fourth, provide adequate notice to your current company of your decision to cancel the current policy and submit any necessary down payment along with the completed application to the new insurer. Be sure to put the proof of insurance certificate above your visor, in the console, or in the glove compartment.
The most important part of this process is to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from as many different insurance providers as possible. Doing this enables a level playing field and a complete price analysis.
It goes without saying that insurance companies don’t want their customers to go rate shopping. People who rate shop once a year are very likely to switch companies because there is a high probability of finding better rates. Surprisingly, a recent survey revealed that people who compared rates once a year saved as much as $3,450 over four years compared to drivers who don’t regularly compare prices.
If finding the best rates on auto insurance is the reason for your visit, then having a grasp of how to quote prices and compare insurance coverage can make the process less intimidating.
If you have coverage now or are just looking to switch companies, use these techniques to get lower rates without reducing coverage. Locating the best rates in Fort Wayne is not rocket science. Vehicle owners just need to learn the most time-saving way to compare company rates from multiple carriers.
How to get cheap Audi S4 insurance in Fort Wayne
All major auto insurance companies give coverage prices directly from their websites. Comparing prices online for Audi S4 insurance in Fort Wayne is possible for anyone because it’s just a matter of typing in your coverage information into a form. Upon sending the form, their quoting system automatically orders information on your driving record and credit history and generates pricing information based on these factors. Quoting online for Audi S4 insurance in Fort Wayne simplifies rate comparisons, and it’s necessary to perform this step if you want to get cheaper prices.
To save time and find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you complete the form with the coverages as shown on your current policy. This ensures you will receive a fair comparison for similar insurance coverage.
The following companies provide price comparisons in Fort Wayne, IN. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.
Audi S4 insurance statistics and information
The rate information displayed below highlights different rate quotes for Audi S4 models. Knowing how auto insurance premiums are calculated can help guide drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $236 | $570 | $230 | $14 | $68 | $1,118 | $93 |
| S4 Quattro 4-Dr Sedan | $236 | $570 | $230 | $14 | $68 | $1,118 | $93 |
| S4 Quattro 4-Dr Sedan | $262 | $570 | $230 | $14 | $68 | $1,144 | $95 |
| S4 Quattro 4-Dr Sedan | $262 | $570 | $230 | $14 | $68 | $1,144 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in Fort Wayne location which can alter prices considerably.
An analysis of deductible level
One frequently asked question is what deductibles to buy. The figures shown below summarize the differences in premium rates of buying low and high insurance deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $304 | $670 | $238 | $14 | $72 | $1,323 | $110 |
| S4 Quattro 4-Dr Sedan | $304 | $670 | $238 | $14 | $72 | $1,323 | $110 |
| S4 Quattro 4-Dr Sedan | $334 | $670 | $238 | $14 | $72 | $1,353 | $113 |
| S4 Quattro 4-Dr Sedan | $334 | $670 | $238 | $14 | $72 | $1,353 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $222 | $452 | $238 | $14 | $72 | $998 | $83 |
| S4 Quattro 4-Dr Sedan | $222 | $452 | $238 | $14 | $72 | $998 | $83 |
| S4 Quattro 4-Dr Sedan | $244 | $452 | $238 | $14 | $72 | $1,020 | $85 |
| S4 Quattro 4-Dr Sedan | $244 | $452 | $238 | $14 | $72 | $1,020 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can modify rates noticeably.
Based on the above data, using a $100 deductible costs roughly $28 more each month or $336 each year across all Audi S4 models than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claim filings, you would probably save some money by going with a higher deductible. Here is a better example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $112 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The information below illustrates how choosing a deductible and can influence Audi S4 insurance costs for different ages of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Male drivers compared to female drivers
The information below illustrates the difference between Audi S4 insurance prices for male and female drivers. The data assumes no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
It may be expensive, but it’s not optional
Despite the potentially high cost of Audi S4 insurance, buying insurance may be required and benefits you in several ways.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your vehicle, almost all lenders will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank may insure your Audi for a much higher rate and force you to pay for the much more expensive policy.
- Insurance preserves both your Audi S4 and your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. The average driver in America overpays more than $830 a year so compare rates at least once a year to save money.
What Affects Audi S4 Insurance Premiums?
Many different elements are part of the calculation when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are more transparent like where you live or your commute time.
Miles driven impacts costs – The higher the miles on your Audi annually the higher the price you pay to insure it. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Cars that have low annual miles can get a lower rate than cars that get driven a lot. Ask your agent if your vehicle rating shows the correct usage for each vehicle, because it can save money. A policy that improperly rates your S4 is just wasting money.
See if your company offers a multi-policy discount – The majority of insurance companies allow lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to ensure the best deal.There is a chance you can find lower rates by buying insurance from more than one company.
Always have insurance – Going without insurance can be a quick way to increase your insurance rates. And not only will your rates increase, being ticketed for driving with no insurance may earn you a revoked license or a big fine. You may have to prove you have insurance by filing a SR-22 with the Indiana motor vehicle department.
Credit history impacts premium prices – Having a bad credit score will be a significant factor in determining what you pay for insurance. People with high credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings. Therefore, if your credit could use some work, you could be paying less to insure your Audi S4 by taking the time to improve your credit score.
Only buy what you need – There are a ton of add-on coverages that can add up if you aren’t diligent. Things like personal injury protection, towing coverage, and motor club memberships are some examples. They may seem good when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.
Expect high rates for teens – Older insureds are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets. Beginning drivers have been known to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Does your vocation raise your rates? – Jobs like judges, airline pilots, and emergency personnel usually pay the highest rates because of high stress levels and long work days. On the flip side, jobs such as actors, engineers and homemakers pay lower than average rates.
Safer vehicles cost less to insure – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety reduce injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
Claims statistics for an Audi S4 – Insurance companies analyze the history of losses to calculate a rate that offsets possible losses. Models that tend to have a trend towards higher claims will cost more for coverage.
The table shown below demonstrates the insurance loss data for Audi S4 vehicles. For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate frequent claims or an increased probability of a larger loss.
| Vehicle 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may qualify for discounts for Audi S4 insurance in Fort Wayne
Companies that sell car insurance don’t always advertise all available discounts very clearly, so the below list has some of the more common and also the lesser-known ways to save on auto insurance.
- Discount for New Cars – Insuring a new S4 can be considerably cheaper because newer vehicles are generally safer.
- Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their Fort Wayne auto insurance quote compared to rates paid by drivers with frequent claims.
- Accident Waiver – This one isn’t a discount, but some insurance companies will allow you to have one accident without the usual rate increase if your claims history is clear before the accident.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
- Senior Discount – If you qualify as a senior citizen, you can get a small decrease in premiums.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% but check with your company.
- Clubs and Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on your bill.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
- Switch and Save Discount – A few insurance companies allow discounts for buying a policy before your current coverage expires. You may see this discount when you get Fort Wayne auto insurance quotes online.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.
The information below shows the comparison of Audi S4 insurance costs with and without discounts. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-policy, and multi-car discounts applied.
To locate companies offering auto insurance discounts in Fort Wayne, click this link.
Insurance agent or online?
Some people would prefer to buy from a licensed agent and that is just fine! Insurance agents are highly skilled in risk management and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find cheap auto insurance quotes and also buy local. And buying from small agencies is definitely important in Fort Wayne.
After filling out this simple form, the quote information is immediately sent to local insurance agents in Fort Wayne who will gladly provide quotes for your business. There is no need to do any legwork because prices are sent straight to your inbox. If you wish to compare prices for a specific company, you can always visit that company’s website and complete a quote there.
Different types of auto insurance agents in Fort Wayne
If you would like to find a reliable insurance agency, there are two different agency structures that you can choose from. Auto insurance policy providers are classified as either independent agents or exclusive agents. Both types can sell auto insurance policies, but it’s worth learning the difference in the companies they write for since it could factor into which type of agent you select.
Independent Agencies or Brokers
These agents are not employed by one company and that is an advantage because they can write policies with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, your agent can just switch to a different company which requires no work on your part. If you are comparing rate quotes, you absolutely need to contact multiple independent agents in order to compare the most rates.
Below is a small list of independent agents in Fort Wayne who may be able to give you free price quotes.
Stoller-Dunham Insurance Agency
6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970 – View Map
Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map
Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare other company’s rates so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point.
Below are exclusive agents in Fort Wayne that can give you price quotes.
Melissa Satterthwaite – State Farm Insurance Agent
7757 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-5503 – View Map
W.C. Starks – State Farm Insurance Agent
3818 S Calhoun St – Fort Wayne, IN 46807 – (260) 744-4357 – View Map
Farmers Insurance – Larry Elliott
7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map
Finding a good auto insurance agent should include more criteria than just a cheap quote. Here are some questions you might want to ask.
- What is the agency’s Better Business Bureau rating?
- Do they regularly work with personal auto policies in Fort Wayne?
- What will you get paid if your car is a total loss? How is that amount determined?
- Has the agent ever had any license suspensions?
- If you have an accident, will your rates go up?
- Are there any discounts that you might be missing?
What is the best auto insurance company in Indiana?
Selecting a high-quality insurance company is hard considering how many companies sell insurance in Fort Wayne. The company rank data listed below can help you analyze which providers to look at buying from.
Top 10 Fort Wayne Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Compare auto insurance prices regularly to save
We just presented many tips how you can reduce Audi S4 insurance prices online in Fort Wayne. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.
As you shop your coverage around, do not buy less coverage just to save a little money. There are too many instances where an insured cut liability coverage limits only to find out that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.
Additional resources
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for Good Students in Fort Wayne? (FAQ)
- How Much are Fort Wayne Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has Cheap Auto Insurance for Electric Cars in Fort Wayne? (FAQ)
- How Much is Fort Wayne Auto Insurance for Seniors? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Auto Insurance 101 (About.com)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)