Searching for low-cost insurance for a new or used Audi A4 can be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for a Audi and locate the best price possible.
Performing a rate comparison can take hours if you don’t know the easiest way. You could waste time talking to insurance companies in your area, or you could save time and use the web to maximize your effort.
Many of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price for coverage. This saves time by eliminating quote requests for every auto insurance company. To fill out one form to compare multiple rates now click here (opens in new window).
The single downside to comparing rates this way is buyers cannot specifically choose which providers you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here to view list.
Whichever way you choose to compare rates, double check that you are using identical deductibles and coverage limits on every quote. If you use mixed coverages it’s impossible to determine the best price for your Audi A4.
Car insurance can cost a lot, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied when you get a quote, but some need to be requested specifically prior to getting the savings. If you do not check that you are getting every discount available, you could be getting lower rates.
You can save money using discounts, but most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.
Some of the larger companies that may offer some of the above discounts are:
When quoting, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not be offered in your state. If you would like to choose from a list of insurance companies with discount insurance rates, click here to view.
When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.
For example, these questions can help discover whether or not you might need professional guidance.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Liability insurance
Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage 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 injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers things like pain and suffering, structural damage, emergency aid and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hitting a deer, fire damage, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for short-term medical expenses for dental work, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Collision protection
Collision coverage pays for damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.
Insureds who switch companies do it for any number of reasons including being labeled a high risk driver, unfair underwriting practices, policy non-renewal or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.
We’ve covered many tips how you can reduce 2003 Audi A4 insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from the least-expected company.
Additional detailed information can be found in the articles below: