2006 Audi A4 Car Insurance Rates – 9 Ideas for Cheapest Quotes

Trying to find the cheapest auto insurance rates for your Audi A4? Do you get exhausted from sacrificing other expenses to pay auto insurance each month? You have the same problem as millions of other people.

Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best rates possible.

It is always a good idea to do price comparisons occasionally because auto insurance prices are variable and change quite frequently. Just because you found the lowest quotes on A4 insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the best way to find better coverage at a better price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not rocket science. Although vehicle owners do need to understand the methods companies use to market on the web and apply this information to your search.

Lower rate quotes with these nine discounts

Auto insurance companies do not list every disount available very well, so the next list breaks down both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on A4 insurance with some insurance companies.
  • Online Discount – A few insurance companies give back up to $50 simply for signing on their website.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Multi-policy Discount – If you can bundle your auto and home insurance with the same company they may give you a discount of as much as 10 to 15 percent.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
  • More Vehicles More Savings – Having multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • Discount for Home Ownership – Being a homeowner can earn you a little savings because maintaining a house shows financial diligence.

It’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

Popular insurance companies and some of the discounts are detailed below.

  • Progressive may offer discounts for online quote discount, good student, continuous coverage, multi-vehicle, and homeowner.
  • SAFECO has discounts for safe driver, teen safe driver, bundle discounts, drive less, accident prevention training, multi-car, and homeowner.
  • American Family may include discounts for good student, mySafetyValet, early bird, bundled insurance, Steer into Savings, and defensive driver.
  • MetLife discounts include good student, accident-free, defensive driver, multi-policy, claim-free, and good driver.
  • GEICO offers premium reductions for driver training, seat belt use, air bags, anti-lock brakes, and military active duty.
  • The Hartford may have discounts that include driver training, good student, air bag, anti-theft, and bundle.

Before buying, ask every prospective company to give you their best rates. Some discounts might not be offered in your area.

Insurance coverage companies are expert advertisers

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to try to convey promises that drivers will save a bundle if you switch to them. How does each company charge you a lower premium? This is how they do it.

All companies have specific criteria for the driver that is profitable for them. For example, this type of risk profile might be over the age of 45, is a homeowner, and the vehicle is rated for pleasure use. Any customer who meets those qualifications is entitled to the best price and have a good chance to save a lot if they switch.

Consumers who do not match the requirements will be charged a higher rate and this results in the customer buying from a different company. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” save that much. This is how insurance companies can make those claims.

Each company has different criteria, so drivers should quote coverage with many companies. It’s not possible to predict which company will have the best prices at this point in time.

What is the best car insurance coverage?

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover a custom paint job?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my camper covered by my car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need higher collision deductibles?
  • What is the difference between comprehensive and collision coverage?
  • Is my trailer covered?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance 101

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, doctor visits, hospital visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, falling objects, hail damage and fire damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

This covers damage to your A4 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, medical expenses, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Power to the consumer

When shopping online for insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

We just covered a lot of ways to reduce 2006 Audi A4 insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Budget-conscious 2006 Audi A4 insurance can be found on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not have rates over the internet and most of the time these regional carriers sell through independent agents.

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