How Much Does 1999 Audi A4 Car Insurance Cost?

Car owners not familiar with comparing car insurance rates online could find purchasing inexpensive auto insurance is nearly impossible.

The purpose of this post is to familiarize you with how car insurance quotes work and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Nevertheless, vehicle owners must learn how big insurance companies determine prices and use this information to your advantage.

Components of your Audi A4 insurance prices

Many things are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are not as apparent like where you live or your vehicle rating.Smart consumers have a good feel for a few of the rating criteria that help calculate auto insurance rates. If you have some idea of what influences your rates, this enables informed choices that may reward you with better auto insurance rates.

The itemized list below are some of the most common factors used by your company to calculate your rate level.

  • Protect yourself with liability coverage – Liability coverage will protect you if ever you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so buy as much as you can afford.
  • Extra coverages you don’t need – There are a lot of additional extra coverages that you can buy but may not be useful. Add-on coverages like rental car coverage, towing coverage, and membership fees may be wasting your money. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
  • More than one policy can earn a discount – Most larger insurers apply better rates to insureds who buy several policies from them in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Cut auto insurance rates and deter theft – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft and help lower rates.
  • Improve your credit history and save – Credit history will be a significant factor in determining premium rates. So if your credit rating could use some work, you could pay less to insure your 1999 Audi A4 if you clean up your credit. People with high credit ratings tend to be less risk to insure than those with lower ratings.
  • Insurance costs and driver gender – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes get in at-fault accidents in similar numbers, but the male of the species tend to have higher claims. They also receive more costly citations like DWI (DUI) or reckless driving. Young males generally have the highest accident percentage and therefore pay the highest rates.
  • Where you call home is a factor – Living in a rural area has it’s advantages when trying to find low car insurance rates. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer people means less chance of accidents as well as less vandalism and auto theft.
  • High stress occupation may mean higher premiums – Did you know your job can affect your rates? Jobs like lawyersairline pilots and medical professionals usually pay higher average rates in part from high stress and lengthy work days. On the flip side, jobs such as scientists, athletes and performers receive lower rates on A4 coverage.

Ways to get car insurance quotes

There are a variety of methods to compare car insurance quotes, but there is one way that is easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you can utilize online quotes to get prices fast.

Many popular insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and every company returns a rated price based on that data. This eliminates the need for quotation requests for each company you want a rate for.

To compare rates now click here to start a free quote.

The only downside to pricing coverage this way is that you can’t choose the providers to get quotes from. So if you want to choose individual companies to compare rates, we have a listing of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but do your best to use nearly identical coverages and limits for every company. If each company quotes different data you will not be able to decipher which rate is best. Slightly different limits could mean much higher rates. And when comparing car insurance rates, know that quoting more helps you find better pricing. Some regional insurers cannot provide rate quotes online, so it’s important to also get prices from those companies as well.

Discounts to earn affordable insurance coverage rates

Companies don’t always list every discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Own a Home and Save – Owning a house can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.
  • No Claims – Drivers who stay claim-free can earn big discounts as compared to drivers who are more careless.
  • Defensive Driver Discount – Successfully completing a driver safety course could save 5% or more and easily pay for the cost of the class.
  • Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper rates.

One thing to note about discounts is that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

A list of insurance coverage companies and some of their more popular discounts are shown below.

  • Farm Bureau may have discounts that include 55 and retired, safe driver, multi-policy, renewal discount, good student, and youthful driver.
  • Liberty Mutual has savings for newly retired, preferred payment discount, teen driver discount, new move discount, multi-car, and multi-policy.
  • State Farm may offer discounts for good driver, multiple autos, multiple policy, student away at school, passive restraint, and safe vehicle.
  • Auto-Owners Insurance offers premium reductions for multi-policy, teen driver, multiple vehicles, paperless, paid in full, and company car.
  • GEICO offers discounts for anti-theft, defensive driver, five-year accident-free, federal employee, and seat belt use.
  • SAFECO has discounts for accident prevention training, drive less, teen safe driver, homeowner, teen safety rewards, and safe driver.

Before purchasing a policy, check with every insurance company how you can save money. Some discounts listed above may not apply to policies in your area. For a list of insurers that offer discounts, click here to view.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my 1999 Audi A4 is totaled, can I afford another vehicle?
  • How do I insure my teen driver?
  • Do I have newly-aquired coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why do I only qualify for high-risk insurance?
  • Do I need more liability coverage?
  • Can I rent a car in Mexico?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Collision coverage

This covers damage to your A4 from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Audi A4.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, structural damage, attorney fees and court costs. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, X-ray expenses, doctor visits, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

A penny saved is a penny earned

Consumers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, high rates after DUI convictions or even questionable increases in premium. Whatever your reason, finding a great new company can be easy and end up saving you some money.

In this article, we covered quite a bit of information on how to reduce 1999 Audi A4 insurance premium rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may be surprised to find that the biggest savings come from the smaller companies.

Some companies may not offer rates over the internet small, regional companies only sell coverage through independent agents. Lower-priced 1999 Audi A4 insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis.

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