Cheap 2000 Audi A4 Insurance Quotes

Did you come to the realization that you have overpriced auto insurance? Believe me when I say there are many drivers thinking the same thing.

Many insurers compete for your business, so it’s not easy to compare every provider to discover the definitive best rates possible.

Smart consumers take time to take a look at other company’s rates periodically due to the fact that insurance rates trend upward over time. Just because you found the lowest rate on A4 coverage a few years ago you can probably find a better price now. There are a lot of ways to save on auto insurance out there, but we’re going to give you some of the best ways to quit paying high auto insurance rates.

The best way we recommend to compare rate quotes takes advantage of the fact most larger insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details such as level of coverage desired, if the vehicle is leased, how your vehicles are used, and driver ages. That rating data is then submitted to many highly-rated insurers and you should receive rate quotes with very little delay.

To check rates for your 2000 Audi A4 now, click here and enter your coverage details.

Cheap insurance coverage rates with discounts

Companies that sell car insurance don’t always list their entire list of discounts in an easy-to-find place, so the following list contains some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
  • Good Drivers – Drivers without accidents could pay up to 40% less on A4 coverage than drivers with accidents.
  • More Vehicles More Savings – Purchasing coverage when you have all your vehicles with the same company can reduce rates for all insured vehicles.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Waiver for an Accident – Not necessarily a discount, but certain companies will let one accident slide before your rates go up if your claims history is clear prior to the accident.
  • Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because new model year vehicles have to meet stringent safety requirements.
  • Air Bags and Passive Restraints – Factory air bags can receive discounts of 25 to 30%.
  • Distant Student Discount – Youth drivers living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.

Discounts save money, but please remember that most credits do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and a partial list of their discounts include:

  • State Farm policyholders can earn discounts including multiple policy, safe vehicle, student away at school, accident-free, and driver’s education.
  • GEICO may include discounts for membership and employees, anti-theft, multi-policy, emergency military deployment, defensive driver, and good student.
  • Liberty Mutual offers discounts including hybrid vehicle, newly married, teen driver discount, good student, new vehicle discount, and new graduate.
  • The Hartford has discounts for driver training, good student, defensive driver, bundle, air bag, and vehicle fuel type.
  • MetLife may offer discounts for good student, defensive driver, multi-policy, accident-free, good driver, claim-free
  • Progressive may have discounts that include online signing, multi-policy, good student, homeowner, continuous coverage, and multi-vehicle.

Before buying, ask each company or agent to apply every possible discount. Some discounts might not be offered on policies in your area. To locate insurance coverage companies with the best insurance coverage discounts, follow this link.

Tailor your car insurance coverage to you

When choosing coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving a rental car?
  • Are rental cars covered under my policy?
  • Do I need higher collision deductibles?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • Am I better off with higher deductibles on my 2000 Audi A4?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

How you can control Audi A4 insurance rates

Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but some are more obscure such as your credit history and annual miles driven.The best way to find cheaper insurance coverage is to take a look at some of the factors that help calculate your policy premiums. When you understand what determines base rates, this enables you to make decisions that can earn you lower premium levels.

The list below includes some of the things used by insurance companies to determine your premiums.

  • Cars with good safety ratings means cheaper prices – Vehicles with good safety scores tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and lower rates for you.
  • Higher rates for coverage lapses – Having a gap between insurance policy dates is a quick way to pay more for insurance coverage. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Better drivers pay lower rates – Just one moving violation may increase your cost by as much as thirty percent. Attentive drivers pay less for auto insurance compared to bad drivers. Drivers who have gotten dangerous citations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Lower rates with alarm systems – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
  • More traffic means higher claims – Living in a rural area has definite advantages when insuring your vehicles. Lower population means reduced accidents. Drivers in populated areas have congested traffic and longer commute times. Longer commute distances means a statistically higher chance of an accident.

Be skeptical of insurance ads

Allstate, GEICO and Progressive consistently run television, radio, and online ads. They all tend to make the same promise that you can save if you get a free car insurance quote and switch your coverage to them. But how can every company offer you a better deal? Here is the trick they use.

Companies look for specific characteristics for the type of customer that will not have excessive claims. An example of a profitable insured should be between 30 and 50, has no tickets, and has excellent credit. A propective insured who matches those parameters will qualify for the lowest premium rates and will save quite a bit of money when switching.

Potential customers who fall short of this ideal profile may receive higher rates which leads to the customer buying from someone else. The trick companies use is to say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can lure you into getting a quote. Because of this risk profiling, you need to get price quotes at each policy renewal. Because you cannot predict which insurance company will have the best car insurance rates at this point in time.

Insurance coverage breakdown

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as chiropractic care, doctor visits, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like pain and suffering, court costs, bail bonds, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your A4 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, hitting a deer, fire damage, damage from a tornado or hurricane and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Final thoughts

We just covered a lot of tips how to shop for 2000 Audi A4 insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting low cost car insurance. You may even find the most savings is with a lesser-known regional company. Regional companies may only write in your state and offer lower prices than their larger competitors like Allstate, GEICO and Progressive.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage only to regret that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price.

Additional information can be read on the following sites: