How many years has it been since you compared lower-priced Audi S4 insurance in Omaha? Do you get exhausted from scraping nickels together to buy insurance? You have the same problem as many other consumers in Nebraska.
It’s an obvious assumption that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who perform rate comparisons are very likely to buy a new policy because there is a great chance of finding lower prices. A recent insurance study discovered that people who make a habit of shopping around saved an average of $850 each year as compared to drivers who never shopped for cheaper rates.
If finding discount rates on Audi S4 insurance in Omaha is the reason you’re here, then understanding how to compare insurance premiums can make it easier for you to save money.
Steps to buying discount Audi S4 insurance in Omaha
To save the most money, the best way to get cheaper Audi S4 insurance in Omaha is to compare prices regularly from insurers that insure vehicles in Nebraska.
First, try to comprehend coverages and the steps you can take to prevent high rates. Many risk factors that increase rates like speeding tickets, accidents and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers. Start a quote
Third, compare the new rates to the premium of your current policy to see if a cheaper price is available. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect when comparing rates is to use the same amount of coverage on each quote request and and to get rate quotes from as many car insurance companies as possible. This provides a fair price comparison and maximum price selection.
Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and uncover the absolute lowest rate on Audi S4 insurance in Omaha.
If you have a current insurance policy, you will definitely be able to lower your rates using the ideas you’re about to read. Buying the cheapest insurance in Omaha is quite easy if you know the best way to do it. But Nebraska drivers must learn how companies compete online.
Many insurance companies like State Farm and Allstate give price estimates on their websites. Getting online rates for Audi S4 insurance in Omaha is easy for anyone as you just enter the amount of coverage you want as detailed in the form. Once you submit the form, the system automatically retrieves your driving record and credit report and returns a price based on the information you submitted. Being able to quote online for Audi S4 insurance in Omaha makes it a lot easier to compare rates and it’s absolutely necessary to perform this step if you are searching for a better rate.
To save time and use this form to compare rates, compare rates from the companies below. If you have your current policy handy, we recommend you complete the form with the coverages identical to your current policy. This makes sure you are getting an apples-to-apples comparison using the exact same coverages.
The companies shown below offer price comparisons in Omaha, NE. If multiple companies are listed, it’s highly recommended you compare several of them to get a more complete price comparison.
Choosing vehicle insurance is an important decision
Even though it’s not necessarily cheap to insure an Audi in Omaha, paying for auto insurance is most likely required but also gives you several important benefits.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most lenders will require you to carry insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Audi for a lot more money and require you to pay much more than you were paying before.
Third, insurance protects both your assets and your car. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your Audi gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. But the average American driver is currently overpaying as much as $820 a year so smart consumers compare quotes each time the policy renews to save money.
Analysis of Audi S4 rates
The rate information shown below highlights a range of insurance prices for Audi S4 models. Learning how car insurance prices are determined can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $278 | $736 | $288 | $18 | $86 | $1,406 | $117 |
| S4 Quattro 4-Dr Sedan | $278 | $736 | $288 | $18 | $86 | $1,406 | $117 |
| S4 Quattro 4-Dr Sedan | $308 | $736 | $288 | $18 | $86 | $1,436 | $120 |
| S4 Quattro 4-Dr Sedan | $308 | $736 | $288 | $18 | $86 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Omaha location which can affect insurance rates greatly.
Rate comparison for different deductibles
When buying car insurance, a common question is at what level do you set your deductibles. The following insurance rates can help you visualize the differences in price of buying low and high coverage deductibles. The first rate comparisons uses a $250 deductible and the second price table 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in zip code location which can impact auto insurance rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible costs about $17 more each month or $204 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 15 months between claim filings, you would probably be better off going with the higher deductible. The table below shows a better example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $107 |
| Average monthly premium for $500 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important note is that higher deductibles means you will have to cover more of the damage yourself if you have a claim. It will be required that you have enough disposable income in the event you need to pay the deductible for vehicle repair.
The information below shows how choosing a deductible and can affect Audi S4 insurance costs for each different age category. The prices are based on a single male driver, comp and collision included, and no policy discounts are applied.
Gender-based car insurance rates in Omaha
The information below visualizes the comparison of Audi S4 insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The diagram below illustrates the difference between Audi S4 insurance premiums when comparing full coverage to state minimum liability only. The price estimates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
When to buy liability coverage only
There is no definitive rule to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Audi S4 replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Get cheaper rates on Audi S4 insurance in Omaha with these discounts
Companies offering auto insurance do not advertise their entire list of discounts in a way that’s easy to find, so the list below contains both the well known and also the lesser-known discounts that may be available.
- Homeowners Savings – Owning a home in Omaha can earn you a little savings because it demonstrates responsibility.
- Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
- One Accident Forgiven – This one is not really a discount per se, but certain companies allow you one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- 55 and Retired – If you’re over the age of 55, you could receive reduced rates.
- Low Mileage Discounts – Driving fewer miles could earn discounted car insurance rates on garaged vehicles.
- Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off with a few car insurance companies.
- Memberships – Being a member of qualifying employment or professional organizations may earn a discount on your next car insurance statement.
- Telematics Devices – Drivers who elect to allow their company to study driving habits remotely such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off the medical payments premium.
Drivers should understand that most credits do not apply to the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.
The chart below visualizes the comparison of Audi S4 insurance premiums with and without some available policy discounts. The price estimates are based on a female driver, no claims or driving citations, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.
To find car insurance companies with the best Audi S4 insurance discounts in Omaha in Omaha, click this link.
Shop online but buy locally
A small number of people just want to get advice from a local agent. One of the best bonuses of comparing car insurance online is that you can obtain cheap car insurance quotes but still work with a licensed agent. And supporting local agencies is especially important in Omaha.
By using this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Omaha that can give you free Omaha auto insurance quotes to get your business. It’s much easier because you don’t need to search for an agent since rate quotes are delivered immediately to your email address. You’ll get the best rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.
When narrowing the list to find a local Omaha insurance agent, it helps to know the two different types of agencies and how they are slightly different. Car insurance agents are considered either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so they can write business through many companies and help determine which has the cheapest rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part.
When comparison shopping, we highly recommend that you include rate quotes from independent agents to get the best comparison.
Listed below is a partial list of independent agents in Omaha who may provide comparison quotes.
Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2 – Omaha, NE 68154 – (402) 397-2500 – View Map
Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map
Exclusive Agencies
Exclusive agents can only provide one company’s prices and some examples include State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so they really need to provide good service. These agents are very knowledgeable on what they offer and that enables them to sell even at higher rates.
Below is a list of exclusive insurance agents in Omaha that are able to give price quote information.
American Family Insurance – Randy Baker Agency Inc.
13768 Millard Ave – Omaha, NE 68137 – (402) 895-1300 – View Map
American Family Insurance – Shane Boring Agency Inc.
16855 Q St – Omaha, NE 68135 – (402) 932-5755 – View Map
Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
Picking the best auto insurance agent needs to be determined by more than just a cheap price. Here are some questions you should ask.
- Is vehicle damage repaired with OEM or aftermarket parts?
- What insurance company do they write the most business with?
- Can you get a list of referrals?
- Is there a 24/7 contact number?
- What discounts might you be missing?
- Are claims handled at the agent’s location?
- Who is covered by the car insurance policy?
- By raising physical damage deductibles, how much would you save?
There’s no such thing as the perfect car insurance policy
Always keep in mind that when comparing a policy for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.
For example, these questions could help you determine if your situation might need an agent’s assistance.
- Does medical payments coverage apply to all occupants?
- Do I have coverage when using my vehicle for my home business?
- Am I covered if my car is in a flood?
- Do I pay less if my vehicle is kept in my garage?
- Am I covered when driving a rental car?
- Where can I find DUI or SR-22 insurance?
- Can I cancel at any time?
- When would I need additional glass coverage?
- Does coverage extend to a rental car in a foreign country?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.
Lower rates by being persistent
As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.
Insureds leave their current company for many reasons like poor customer service, not issuing a premium refund, delays in paying claims or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be less work than you think.
We covered quite a bit of information on how to get a better price on Audi S4 insurance in Omaha. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a lesser-known regional company.
Steps to saving money on Audi S4 insurance in Omaha
To save the most money, the best way to get affordable Audi S4 insurance is to compare quotes once a year from different companies that sell auto insurance in Omaha. You can compare rates by following these guidelines.
- First, gain an understanding of how companies price auto insurance and the steps you can take to prevent expensive coverage. Many things that result in higher prices like traffic violations, accidents, and a not-so-good credit history can be rectified by improving your driving habits or financial responsibility.
- Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Third, compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and buy the policy, ensure coverage does not lapse between policies.
The key thing to remember is to try to use the same amount of coverage on every quote request and and to get prices from as many car insurance companies as possible. This provides a fair price comparison and the best rate selection.
Additional learning opportunities
- Child Safety FAQ (iihs.org)
- Who Has Affordable Omaha Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 17 Year Olds in Omaha? (FAQ)
- How Much is Omaha Auto Insurance for Active Military? (FAQ)
- Who Has the Cheapest Car Insurance for Police Officers in Omaha? (FAQ)
- What Auto Insurance is Cheapest for a Honda Civic in Omaha? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- How to shop for a safer car (Insurance Institute for Highway Safety)