2007 Audi A4 Insurance Quotes – 8 Ideas for Cheaper Rates

Nobody loves paying for car insurance, particularly when it costs too dang much. Since vehicle owners have many companies and agents to choose from, it can be diffult for drivers to locate the right company.

How to buy insurance online

Comparing insurance rates is a ton of work if you aren’t aware of the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to get pricing more quickly.

Many of the larger companies belong to an insurance system that enables customers to only type in their quote data once, and each company provides a quote based on that information. This eliminates the need for quote requests for each company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to doing it this way is you don’t know exactly which providers you want to price. So if you want to select individual companies to request quotes from, we put together a list of companies who write insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to use nearly identical coverage limits for each quote you get. If the quotes have different liability limits then you won’t be able to get a fair rate comparison.

Advertising myths

Consumers can’t ignore all the ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. They all seem to make an identical promise that drivers can save some big amount if you just switch your coverage.

But how can every company lower your rates? Here is the trick they use.

All companies provide the lowest rates for the type of customer that will generate a profit. One example of a profitable risk profile could possibly be between the ages of 30 and 50, has had continuous coverage, and drives newer vehicles. Any person that meets those criteria receives the best prices and have a good chance to save a lot of money.

Consumers who fall short of these stringent criteria will be charged higher rates and ends up with business going elsewhere. The trick companies use is to say “people that switch” not “everybody who quotes” save that much. That’s why insurance companies can claim big savings.

Because of the profiling, it’s extremely important to compare as many free car insurance quotes as you can. It’s just too difficult to predict which car insurance company will give you the biggest savings.

Discounts can really help save money

Some providers don’t list every discount very well, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

  • E-sign Discounts – Some insurance companies will give you a small discount for completing your application online.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for A4 insurance with a few insurance companies.
  • Low Miles Discount – Low annual miles can earn discounted premium rates on garaged vehicles.
  • Discounts for Multiple Vehicles – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
  • One Accident Forgiven – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without raising rates so long as you are claim-free prior to being involved in the accident.

Keep in mind that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To locate insurers that provide some of the discounts listed above, click here to view.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 2007 Audi A4?
  • What can I do if my company denied a claim?
  • Is my state a no-fault state?
  • Is business property covered if stolen from my car?
  • Exactly who is provided coverage by my policy?
  • If my 2007 Audi A4 is totaled, can I afford another vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • What is medical payments coverage?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2007 Audi A4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, pain medications, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive car insurance

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, fire damage and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims like court costs, loss of income, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Have the Midas touch

Cheap 2007 Audi A4 insurance can be bought on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies may not offer online quoting and usually these smaller providers work with independent agencies.

In this article, we covered a lot of techniques to reduce 2007 Audi A4 insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the lowest car insurance rates are with the smaller companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

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