The best way to quote cheaper car insurance rates in New Orleans is to annually compare prices from insurance carriers who provide car insurance in Louisiana.
- First, try to learn about coverages and the things you can control to lower rates. Many rating criteria that result in higher rates such as accidents, careless driving, and poor credit can be eliminated by making minor driving habit or lifestyle changes.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple insurance companies. View companies
- Third, compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important part of this process is to make sure you’re comparing the same amount of coverage on every quote request and and to look at as many different insurance providers as possible. This ensures a fair rate comparison and and a good selection of different prices.
A recent auto insurance study discovered that the vast majority of drivers kept their policy with the same company for over three years, and just short of a majority have never even compared quotes to find cheaper rates. American drivers could pocket about 46.5% a year just by getting comparison quotes, but they don’t understand how simple it is to compare rates online.
Audi S4 detailed coverage information
The coverage information displayed below showcases estimates of policy rates for Audi S4 models. Being able to understand how policy premiums are established can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $558 | $1362 | $534 | $32 | $160 | $2,646 | $221 |
| S4 Quattro 4-Dr Sedan | $558 | $1362 | $534 | $32 | $160 | $2,646 | $221 |
| S4 Quattro 4-Dr Sedan | $616 | $1362 | $534 | $32 | $160 | $2,704 | $225 |
| S4 Quattro 4-Dr Sedan | $616 | $1362 | $534 | $32 | $160 | $2,704 | $225 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in your specific New Orleans location which can revise auto insurance rates significantly.
Physical damage deductibles
One common question asked by New Orleans drivers is where should you set your physical damage deductibles. The tables below approximate the rate difference when you select higher and lower comp and collision deductibles. The first rate estimation uses a $250 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $452 | $928 | $394 | $24 | $118 | $1,941 | $162 |
| S4 Quattro 4-Dr Sedan | $452 | $928 | $394 | $24 | $118 | $1,941 | $162 |
| S4 Quattro 4-Dr Sedan | $498 | $928 | $394 | $24 | $118 | $1,987 | $166 |
| S4 Quattro 4-Dr Sedan | $498 | $928 | $394 | $24 | $118 | $1,987 | $166 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $366 | $748 | $394 | $24 | $118 | $1,650 | $138 |
| S4 Quattro 4-Dr Sedan | $366 | $748 | $394 | $24 | $118 | $1,650 | $138 |
| S4 Quattro 4-Dr Sedan | $404 | $748 | $394 | $24 | $118 | $1,688 | $141 |
| S4 Quattro 4-Dr Sedan | $404 | $748 | $394 | $24 | $118 | $1,688 | $141 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can revise premium rates greatly.
Based on this data, using a $250 deductible will cost you approximately $24 more each month or $288 each year than selecting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 10 months between claims, you would probably be better off if you elect the higher deductible.
Bad driving habits will cost you more
The chart below shows how violations and accidents drive up Audi S4 annual premium costs for different ages of insureds. Data assumes a married female driver, full coverage, $250 deductibles, and no discounts are factored in.
Audi S4 insurance rates by age and gender
The information below compares Audi S4 insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied.
Get cheaper Audi S4 insurance in New Orleans with discounts
Auto insurance can be pricey, but you may find discounts that can drop the cost substantially. Most are applied when you purchase, but occasionally some discounts must be inquired about before they will apply.
- Telematics Discount – Drivers that enable companies to analyze driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
- Discounts for Multiple Vehicles – Insuring more than one vehicle on a single policy could earn a price break for each car.
- Good Students Pay Less – A discount for being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
- Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- Low Miles Discount – Driving less could be rewarded with discounted auto insurance rates on garaged vehicles.
- Student Driver Training – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
- Multi-policy Discount – When you have multiple policies and insure them with the same company you may save approximately 10% to 15%.
- Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
- Renewal Discounts – Some larger companies give discounts for switching companies prior to your current S4 insurance policy expiring. This can save 10% or more.
While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.
The chart below compares Audi S4 car insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims or violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, marriage, and homeowner discounts applied.
Some of the insurance companies that may include most of these discounts include:
When getting free New Orleans car insurance quotes, it’s a good idea to each insurance company which credits you are entitled to. A few discounts may not apply in New Orleans. If you would like to choose from a list of insurers that offer the discounts shown above in Louisiana, click here.
Auto insurance policy coverages for an Audi S4
Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement.
Collision coverage – Collision coverage covers damage to your S4 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible on your S4 in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims like fire damage, hitting a deer and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability car insurance – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 15/30/25 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage pays for claims such as legal defense fees, attorney fees, loss of income, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford. Louisiana state minimum liability requirements are 15/30/25 but drivers should carry more liability than the minimum.
The chart below shows why buying minimum limits may not provide you with enough coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (15/30/25 in Louisiana), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as pain medications, prosthetic devices, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Best car insurance company in Louisiana
Selecting a good quality auto insurance provider can be a challenge considering how many companies there are to choose from in Louisiana. The information in the next section may help you choose which companies you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Keep this in mind when shopping around
As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Some car insurance companies may not have price quotes online and many times these regional insurance providers prefer to sell through local independent agents. More affordable car insurance in New Orleans can be purchased from both online companies in addition to many New Orleans insurance agents, and you need to comparison shop both to have the best rate selection.
Drivers leave their current company for many reasons like policy cancellation, high rates after DUI convictions, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
Much more information about car insurance in Louisiana is located at these links:
- Teen Driving Statistics (GEICO)
- How Much is Auto Insurance for Ride Shares in New Orleans? (FAQ)
- What Car Insurance is Cheapest for Drivers with a DUI in New Orleans? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in New Orleans? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in New Orleans? (FAQ)
- Who Has Cheap Auto Insurance for Nurses in New Orleans? (FAQ)
- How Much are New Orleans Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much are New Orleans Car Insurance Rates for Handicapped Drivers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)