How much do you guys pay for insurance?

**VL221** · 10-04-2010 04:12 PM

New member here. Just purchased my first 2011 Audi S4 yesterday.

I have been driving for around 10 years with a clean record and was quoted $1000 for $250 deductible for State Farm insurance. Or my other option is $9XX for $500 deductible. State Farm told me that Audi parts cost more than any other car makes to repair. I have owned cars such as Mercedes, BMW, Acura, Lexus and do not have anything close to these ridiculous rates.

Should I change insurance? If so, any suggestions?

**Runge** · 10-04-2010 04:24 PM

I wish I could get insurance for that..on my A4 its 2200$ w/1000$ deductible with clean record... I'd imagine S4 would be even more.

**VL221** · 10-04-2010 04:27 PM

Sorry, I forgot to mention $1000 per 6 month. So that is $2000 per year.

**Voltrons_Head** · 10-04-2010 04:39 PM

In the time it took you register and post you could have saved 15% or more by switching to Geico.

**neptunesfinest** · 10-04-2010 04:52 PM

$1400/year for my A4. I have a decent driving record... had maybe 3 tickets in the past 3 years so I think that's a pretty good deal.

**ibiski** · 10-04-2010 04:53 PM

Originally Posted by VL221

Sorry, I forgot to mention $1000 per 6 month. So that is $2000 per year.

If your driving record is perfect then it's a ripoff. I'm paying less than half of this for full coverage with State Farm with $500 deductible.

About Geico, I priced out the same coverage and it came out about $400 more a year.

**jimmyrecluse** · 10-04-2010 04:59 PM

$500 deductable, $1,100 a year.

**ACowabunga** · 10-04-2010 05:28 PM

$1250, $500 deductable but I have multiple policies and have been with State Farm for quite some time.

**egalley** · 10-04-2010 05:34 PM

Originally Posted by Runge

I wish I could get insurance for that..on my A4 its 2200$ w/1000$ deductible with clean record... I'd imagine S4 would be even more.

Wow you are getting raped!
I'm in Ottawa too and I'm paying $1200 for the year with $500 deductible.

**VL221** · 10-04-2010 05:38 PM

Originally Posted by ibiski

If your driving record is perfect then it's a ripoff. I'm paying less than half of this for full coverage with State Farm with $500 deductible.

About Geico, I priced out the same coverage and it came out about $400 more a year.

Wow, there must be something wrong with my agent.

I have clean record with perfect driving record.

And this is with full coverage with 500$ deductible.

Seems like I have to negotiate with the State Farm agent. If not, I will have to switch to something else like Geico, AAA, or Progressive.

**Runge** · 10-04-2010 05:40 PM

Originally Posted by egalley

Wow you are getting raped!
I'm in Ottawa too and I'm paying $1200 for the year with $500 deductible.

I'm under 25 :) but my home insurance dropped 15% though.

**VL221** · 10-04-2010 05:41 PM

Originally Posted by ACowabunga

$1250, $500 deductable but I have multiple policies and have been with State Farm for quite some time.

On my previous Mercedes I am getting the same rates as you. I have been with State Farm for over 5 years.

Originally Posted by egalley

Wow you are getting raped!
I'm in Ottawa too and I'm paying $1200 for the year with $500 deductible.

There can also be age that factors into the insurance rate. Maybe that is why his is more expensive.

**egalley** · 10-04-2010 05:43 PM

Originally Posted by Runge

I'm under 25 :) but my home insurance dropped 15% though.

Oh! That must be it. I'm 34.

**Runge** · 10-04-2010 05:47 PM

Originally Posted by egalley

Oh! That must be it. I'm 34.

and are you married? any kids? ...that also helps :(

**egalley** · 10-04-2010 05:48 PM

Originally Posted by Runge

and are you married? any kids? ...that also helps :(

Yes to all your questions! :)

**Runge** · 10-04-2010 05:50 PM

Originally Posted by egalley

Yes to all your questions! :)

haha think I can borrow your wife and kids for a few days? or adopt me!

**BSBG** · 10-04-2010 06:03 PM

I pay less for the B8 than I did for my B6, go figure. Married, no kids, suburbs, under $900 a year with progressive, multi-car policy.

**K1speeder** · 10-04-2010 06:04 PM

I am paying $2500 a year with $500 deductibles but I am under 20 so I expected it. All State gave me a killer deal when I came off my family's policy and into my own though. Statefarm wanted close to 3k...

**naamanf** · 10-04-2010 06:06 PM

I just got a quote for the S4 and it came out to $900 a year with $100 deductable. Thats with USAA.

$2100 combined with a 2010 MDX, 1999 Outback, and a 1979 Trans-Am.

**jsantiago17** · 10-04-2010 06:10 PM

Originally Posted by VL221

Wow, there must be something wrong with my agent.

I have clean record with perfect driving record.

And this is with full coverage with 500$ deductible.

Seems like I have to negotiate with the State Farm agent. If not, I will have to switch to something else like Geico, AAA, or Progressive.

I've used State Farm for the past 15+ years and I pay $1600 annually for my B6 A4. You defiinitely need to consider your age, where you live etc, but I know State Farm tends to be on the high side....so, I would say for a B8 S4, that's not too bad.

**NWS4Guy** · 10-04-2010 06:10 PM

$1800 a year for 2010 B8 S4 and 2008 Land Rover combined.

**VL221** · 10-04-2010 06:22 PM

Originally Posted by BSBG

I pay less for the B8 than I did for my B6, go figure. Married, no kids, suburbs, under $900 a year with progressive, multi-car policy.

Might give progressive a call tomorrow if me and my State Farm agent cannot come to a agreement. My friend who works at a body shop told me progressive is one of the worst insurance company to deal with though.

Originally Posted by NWS4Guy

$1800 a year for 2010 B8 S4 and 2008 Land Rover combined.

That is a excellent deal. What insurance company is this for and deductible?

**NWS4Guy** · 10-04-2010 06:25 PM

Originally Posted by VL221

That is a excellent deal. What insurance company is this for and deductible?

$500 deductable, multi car, multi line (homeowners ins also), over 35, married, with a kid, through Liberty Mutual (used to be Safeco, and I am grandfathered in as an ex employee there for bonus discount).

**zerinA4** · 10-04-2010 06:41 PM

Single car, + homeowners policy discount w/ $250 deductible with Allstate = $102/mo.

**FINA4** · 10-04-2010 07:17 PM

$1300 per year, $500 deductible.

**wwhan** · 10-04-2010 07:58 PM

$668/year, $1k deductable

**mikejsully** · 10-04-2010 08:45 PM

Originally Posted by VL221

New member here. Just purchased my first 2011 Audi S4 yesterday.

I have been driving for around 10 years with a clean record and was quoted $1000 for $250 deductible for State Farm insurance. Or my other option is $9XX for $500 deductible. State Farm told me that Audi parts cost more than any other car makes to repair. I have owned cars such as Mercedes, BMW, Acura, Lexus and do not have anything close to these ridiculous rates.

Should I change insurance? If so, any suggestions?

If you have a house are married and have multiple vehicles you are paying way too much... You need to check out Allied insurance co, USAA, Safeco. Better yet go to any competent independent insurance agent (not Allstate, State farm, Farmers) and they will blow you away with the savings on your whole package. Captive companies rely on their big name to over charge you. Make sure the company is A rated or better at www.ambest.com (that means they are financially stable and able to pay claims)

PM me if you have any questions... I am not an insurance agent, but I work in the industry and hate to hear of people throwing money away.

PS. I pay less than that for 4 vehicles 500 deductible and I am 31....Clean record, etc.

**Proogz** · 10-04-2010 08:50 PM

Originally Posted by egalley

Wow you are getting raped!
I'm in Ottawa too and I'm paying $1200 for the year with $500 deductible.

Im pretty sure we have the exact same insurance company. This is what I am paying.

**VL221** · 10-04-2010 09:13 PM

Originally Posted by mikejsully

If you have a house are married and have multiple vehicles you are paying way too much... You need to check out Allied insurance co, USAA, Safeco. Better yet go to any competent independent insurance agent (not Allstate, State farm, Farmers) and they will blow you away with the savings on your whole package. Captive companies rely on their big name to over charge you. Make sure the company is A rated or better at www.ambest.com (that means they are financially stable and able to pay claims)

PM me if you have any questions... I am not an insurance agent, but I work in the industry and hate to hear of people throwing money away.

PS. I pay less than that for 4 vehicles 500 deductible and I am 31....Clean record, etc.

Best post I've read so far.

Do you mind telling me which insurance company you are with right now? I've always heard "you get what you pay for" in terms of insurance. I don't want to be left hanging especially if I am in an accident that is my fault.

I am looking at Allied Insurance and I am actually very interested.

**levikush** · 10-04-2010 09:16 PM

YOU GUYS ALL HAVE A DEAL....

I PAY $6900 A YEAR / 200K COVERAGE / 5K DEDUCTABLE....
IM 25 YRS OLD.. w/ B8 S4 2011

**K1speeder** · 10-04-2010 09:18 PM

Originally Posted by levikush

YOU GUYS ALL HAVE A DEAL....

I PAY $6900 A YEAR / 200K COVERAGE / 5K DEDUCTABLE....
IM 25 YRS OLD.. w/ B8 S4 2011

WHAT?!?!?! Do you have a bad history? Because if not, you are getting RIPPED OFF

**levikush** · 10-04-2010 09:21 PM

My abstract is 3 pages long - lol

BUT THE CAR IS WORTH THE MONEY I SPEND ON IT...

Originally Posted by K1speeder

WHAT?!?!?! Do you have a bad history? Because if not, you are getting RIPPED OFF

**mikejsully** · 10-04-2010 09:22 PM

Originally Posted by VL221

Best post I've read so far.

Do you mind telling me which insurance company you are with right now? I've always heard "you get what you pay for" in terms of insurance. I don't want to be left hanging especially if I am in an accident that is my fault.

I am looking at Allied Insurance and I am actually very interested.

I am currently with USAA, but you need to be military or related to get that... I used to be with Allied (8 years) great company, wonderful service (if you have a good agent) and their claims services are outstanding.

As far as "get what you pay for" that does not really apply to insurance companies. They are required to keep a certain reserve in relation to exposure in order to keep a good rating at AM Best. So if they have a good rating it does not necessarily mean you will pay more for good coverage. For instance your Rates are based on a number of factors, but a good portion of that is the insurance company's experience with that line of business.

For example - Company A loses big in Auto they charge more to cover expenses and build up a reserve to keep a good rating... Meanwhile Company B makes good underwriting decisions and is able to keep losses down, but still maintain a good reserve with out charging an arm and a leg.

In the US we are currently in a soft market for insurance (buyers market) so there are many deals to be had with outstanding companies... just shop around with a competent broker (that you trust) and you have nothing to worry about.

**VL221** · 10-04-2010 09:41 PM

Originally Posted by mikejsully

I am currently with USAA, but you need to be military or related to get that... I used to be with Allied (8 years) great company, wonderful service (if you have a good agent) and their claims services are outstanding.

As far as "get what you pay for" that does not really apply to insurance companies. They are required to keep a certain reserve in relation to exposure in order to keep a good rating at AM Best. So if they have a good rating it does not necessarily mean you will pay more for good coverage. For instance your Rates are based on a number of factors, but a good portion of that is the insurance company's experience with that line of business.

For example - Company A loses big in Auto they charge more to cover expenses and build up a reserve to keep a good rating... Meanwhile Company B makes good underwriting decisions and is able to keep losses down, but still maintain a good reserve with out charging an arm and a leg.

In the US we are currently in a soft market for insurance (buyers market) so there are many deals to be had with outstanding companies... just shop around with a competent broker (that you trust) and you have nothing to worry about.

There is no other way of getting into USAA unless I am related to someone in the military or in the military?

I have been reading some reviews for Allied and it is pretty much hit or miss.

I have located a agent near by and will be giving them a call tomorrow. If price is right I will be moving my house insurance and cars to Allied. I'll keep you guys updated..

Allied gets a 3.26 stars out of 5. http://www.viewpoints.com/Allied-Insurance-reviews
State Farm has a 4.XX stars
USAA has like 4.6/5
AAA has 4.28

I wish I can get into USAA :(

**mikejsully** · 10-04-2010 09:43 PM

I should also throw in that if you own a B8 S4 you are probably financially in the black... So PROTECT YOURSELF!!!!!! insurance is cheap compared to the possible outlay in a bad claim.

That being said your insurance professional can help you with coverage needs, but never carry less liability insurance than would be necessary to cover your entire net worth and then some.

if your worth 1mm cover your self for 2mm. the extra couple hundred a year won't kill you.. and when your 16 year old runs into a lawyers office while texting and drinking peppermint schnapps you only have to pay the deductible of $500.

**mikejsully** · 10-04-2010 09:54 PM

Originally Posted by VL221

There is no other way of getting into USAA unless I am related to someone in the military or in the military?

I have been reading some reviews for Allied and it is pretty much hit or miss.

I have located a agent near by and will be giving them a call tomorrow. If price is right I will be moving my house insurance and cars to Allied. I'll keep you guys updated..

Allied gets a 3.26 stars out of 5. http://www.viewpoints.com/Allied-Insurance-reviews
State Farm has a 4.XX stars
USAA has like 4.6/5
AAA has 4.28

I wish I can get into USAA :(

No other way that I know of to join USAA. Allied or just about any other company will be great 4+ stars if you HAVE A GOOD AGENT. The agent is supposed to help you get through tough claims, bills and coverage situations so that you never even have to interface with the company. They are highly paid for a reason and a good one will show up at your accident and give you a ride home, then take care of the claim handling for you. Captive agents will only go as far as the branding pushes them in my experience.

Most low insurance satisfaction ratings are due to the agent, not the company. This industry is so highly regulated that the companies can not scratch their privates with out filing a form and a reasonable explanation for the act. They will however lowball you on claims and perform some unkind manipulation in a claim situation if you are not careful or have a careless agent. Not to harp... but your agent will make or break the experience. They should be professional, have integrity and not push you into any decision, only recommend proper coverage and let you choose what you want. Find an agent that is a CIC (certified Insurance Counselor) they are held to certain morals and obligations to be part of the society and maintain their designation... kind of like an insurance doctor.

I would use www.AMBEST.com as my first resource on an insurance company. they do financial audits and "keep them honest" with the scores. If the company is highly rated financially you have a better chance of good claims service.

**mikejsully** · 10-04-2010 10:12 PM

Just went onto the link you provided as I have never heard of this site before....

First rating I see is this...

"My wife and I have been paying Allied for over 15 years. We have three vehicles covered and during a snowy and ice drive home another driver caused an accident; I was not the "at-fault" driver. This happened on December 23rd and when I called to report what happened, I was told all is fine, gave all the information about the accident and on December 24th, my adjuster said our claim was denied and that our coverage was canceled as of December 21st. They hadn't posted our payment, so I was stuck. Thanks for nothing.

So if you are just looking for cheap insurance, maybe Allied is right for you. If you want someone to actually help you when you need it most... Keep Looking."

First off, the claim was not his fault... he should have filed with the at fault company and he would not have had an issue.
Second, He must have been at lest 15 days late on the payment as that is Allied's grace period and even then, they will consider reinstatement with a good customer.
third, I am guessing that this person is not telling the whole truth, but just blowing off steam.

Another post

"I would never get this insurance there ass holes that dont pay for everything i was just in an accident a lil while ago i had a rental car the bill was over 800 they said they would only pay 280 now im stuck with no car and no money. And when you need to reach them goodluck. you have to call them for about 2 weeks everyday from different numbers until they pick up there stupid phone there. id rate there service as very very poor. rob norton the asshole manager there is the one who did my paper work and wont pay for the rest because they said they only pay for rental untill you get the paper work..."

OK- rental coverage is a policy ad on, you need to buy the coverage you think will put you in a car for as long as a repair will take. This guy obviously cheeped out on rental coverage and is blaming the company, for about $2 more a month he could have had the best rental coverage and not paid a dime out of pocket. It sounds like he either got an escalade for a rental as well... $800 is a lot for a rental car while yours is in the shop.

Sorry had to rant on this one, Liars and cheepskates piss me off... but insurance is just like anything else... some is good and some is bad. Your experience will vary with use and temper.

**Seinsmeld13** · 10-05-2010 03:29 AM

I pay $120 per month however I use my car for work so 15% higher premium as business rated. $500 deductible all risk.

**Brooklyn** · 10-05-2010 06:24 AM

36 y/o, divorced, 1 speeding ticket in the last 9 years, 1 accident (no fault) repaired via insurance. I'm paying $1406 annually with a $250 deductible through USAA on my 2011 S4 Prestige.

**Seinsmeld13** · 10-05-2010 08:46 AM

I have handled claims for USAA for their clients that were involved in accidents while working or visiting in Canada. I would recommend USAA based on the prompt and courteous service that i was able to provide in conduction with their representative in Texas. I got to meet some interesting military staff. USAA is not available as far I am aware to the general public. Insurance coverage is not apples to apples when comparing to other jurisdictions. Ontario Canada has the best coverage available in North America. I can give your several examples of coverage, however, one is that regardless of fault if you sustain a catastrophic injury you will receive until age 65 loss wages that adjust upward yearly based on inflation. Needless to say our new Canadians are taking full advantage of this coverage with staged accidents.

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