Drivers have many options when trying to find the lowest priced Audi A4 insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons.
There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to compare rates for a new or used Audi and obtain the best price possible from both online companies and local agents.
You should make it a habit to get comparison quotes quite often since insurance rates go up and down regularly. Even if you got the lowest rate on A4 coverage six months ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to teach you the best methods to reduce your cost while increasing coverage.
There are a lot of ways to shop for auto insurance, but one way is more efficient than others. You could spend your day talking to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.
Most car insurance companies enroll in a system where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that information. This system prevents you from having to do form submissions for each company you want a rate for.
To participate in this free quote system, click here (opens in new window).
The only downside to comparing rates this way is you cannot specify the providers to get quotes from. If you wish to select specific insurance companies to receive pricing from, we have a page of low cost auto insurance companies in your area. View list of insurance companies.
The approach you take is up to you, just be sure you’re using exactly the same coverage data for each quote you get. If the quotes have different values for each quote it will be impossible to make a fair comparison for your Audi A4.
Insurance can cost an arm and a leg, but there may be some discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some must be manually applied in order for you to get them.
A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will cut the amount you pay for coverage.
Some of the insurance companies that may include most of these discounts include:
If you are trying to find the cheapest car insurance quotes, ask every insurance company which discounts you qualify for. A few discounts may not apply to policyholders in your area.
When buying the best insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.
Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Liability coverage – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for things such as repair costs for stationary objects, emergency aid, medical services, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hail damage, theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like prosthetic devices, pain medications, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.
People change insurance companies for a variety of reasons including denial of a claim, being labeled a high risk driver, policy cancellation or lack of trust in their agent. Whatever your reason, switching companies can be less work than you think.
When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.
We just showed you a lot of ways to get a better price on 1998 Audi A4 insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Additional insurance information is available at the links below