2011 Audi A4 Car Insurance Rates

Feeling guilty for buying overpriced auto insurance? Believe me, you’re not the only one.

Companies like State Farm, GEICO and Farmers Insurance continually bombard you with TV and radio ads and it is difficult to separate fact from fiction and find the best price available.

How do insurers determine Audi A4 insurance premiums?

Smart consumers have a good feel for some of the factors that are used to determine the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that can earn you lower premium levels. Many factors are considered when you get a price on insurance. Most are fairly basic like your driving record, although some other factors are more obscure like where you live or your vehicle rating.

The following are most of the major factors used by companies to determine your premiums.

  • Careless drivers pay higher rates – Attentive drivers receive lower rates than bad drivers. Just one speeding ticket can bump up the cost forty percent or more. Drivers unfortunate enough to have careless violations like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state in order to legally drive.
  • Deductibles are a factor – Coverage for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. A few examples of covered claims would be colliding with a building, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are required to pay before a claim is paid by your company. The more of the claim you are required to pay out-of-pocket, the less money you will pay for auto insurance for A4 insurance.
  • Know your credit rating – An insured’s credit score can be a huge factor in determining premium rates. Consumers who have excellent credit tend to be more responsible than drivers who have poor credit. If your credit score is not that good, you could pay less to insure your 2011 Audi A4 by improving your rating.
  • Male premiums may be higher – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Both sexes are in fender benders at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage and thus pay the highest rates.
  • Marriage brings a discount – Your spouse actually saves money when shopping for auto insurance. It usually means you are more mature and statistics prove being married results in fewer claims.
  • Multiple policies with one company – Most larger companies give a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to confirm you are receiving the best rates possible.
  • Keep the miles off and save – The more you drive your Audi every year the higher your rate. Many insurance companies apply a rate partially by how you use the vehicle. Cars that have low annual miles get more affordable rates than those that get driven frequently. Incorrect rating for your A4 is throwing money out the window. It’s a good idea to make sure your auto insurance declarations sheet properly reflects how each vehicle is driven.
  • Cars with good safety ratings that lower rates – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Lower rate quotes with discounts

Some insurance providers don’t necessarily list all available discounts very well, so we break down some of the best known as well as some of the hidden ways to save on car insurance. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Save over 55 – Seniors can get a small decrease in premiums for A4 insurance.
  • Student Discounts – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Distant Student – Kids living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
  • Professional Organizations – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
  • Defensive Driving Course – Participating in a defensive driving course may get you a small discount if you qualify.
  • Paperless Signup – Some larger companies give back up to $50 for buying a policy and signing up over the internet.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Seat Belt Discounts – Requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts are shown below.

  • State Farm offers discounts including good driver, multiple policy, safe vehicle, multiple autos, and driver’s education.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, preferred payment discount, good student, newly married, multi-car, and new move discount.
  • American Family includes discounts for mySafetyValet, accident-free, defensive driver, bundled insurance, TimeAway discount, and good student.
  • Progressive may have discounts that include online signing, continuous coverage, online quote discount, homeowner, good student, and multi-vehicle.
  • Farmers Insurance discounts include electronic funds transfer, mature driver, switch companies, alternative fuel, youthful driver, business and professional, and bundle discounts.
  • Auto-Owners Insurance has savings for safe vehicle, paperless, multiple vehicles, student away at school, paid in full, multi-policy, and group or association.
  • SAFECO has discounts for bundle discounts, safe driver, teen safe driver, accident prevention training, anti-lock brakes, and anti-theft.

It’s a good idea to ask each company or agent which discounts can lower your rates. All car insurance discounts might not be offered in your area. To locate insurers with discount rates, click this link.

What is the best insurance coverage coverage?

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can help discover if your situation could use an agent’s help.

  • When do I need to add a new car to my policy?
  • When does my teenage driver need to be added to my policy?
  • Can I make deliveries for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • How can I find cheaper teen driver insurance?
  • What is the ISO rating for a 2011 Audi A4?
  • When would I need additional glass coverage?
  • Does my personal policy cover me when driving out-of-state?
  • How do I insure my teen driver?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Learn about car insurance coverages for an Audi A4

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Collision insurance

This coverage will pay to fix damage to your A4 from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair costs for stationary objects, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, falling objects and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, pain medications, rehabilitation expenses, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Audi A4.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Smart shoppers get results

We covered some good ideas how you can save on 2011 Audi A4 insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

Budget-conscious 2011 Audi A4 insurance can be purchased on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and usually these regional carriers only sell coverage through local independent agents.

As you quote car insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

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