2012 Audi A4 Insurance Quotes – 6 Tips for Cheapest Rates

Are you drained from robbing Peter to pay Paul to keep your car insured? You’re in the same situation as many other drivers.

Since consumers have many insurance companies to choose from, it can be impossible to find the most cost effective auto insurance company.

You should make it a habit to compare rates before your policy renews because rates change regularly. Just because you had the best premium rates for A4 insurance two years ago the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because we’re going to show you the proper way to find lower rates on auto insurance.

Lower rates by qualifying for these six discounts

Companies do not advertise every disount available very clearly, so we researched a few of the more well known in addition to some of the lesser obvious ways to save on insurance.

  • Driver Safety – Completing a class that teaches defensive driver techniques could possibly earn you a 5% discount if you qualify.
  • Home Ownership Discount – Owning a home can save you money because owning a home is proof of financial responsibility.
  • Multi-line Discount – Insurance companies who offer life insurance give a break if you buy a life policy as well.
  • Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Claim-Free Discount – Drivers who don’t have accidents pay less as opposed to drivers who are more careless.
  • Low Mileage Discounts – Low mileage vehicles can earn lower insurancerates due to less chance of an accident.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think you could get a free insurance policy, company stockholders wouldn’t be very happy.

A list of insurance companies and their possible discounts can be found below.

  • GEICO discounts include membership and employees, daytime running lights, defensive driver, air bags, multi-policy, and federal employee.
  • MetLife has savings for claim-free, accident-free, multi-policy, defensive driver, good driver, and good student.
  • State Farm includes discounts for multiple autos, good student, multiple policy, safe vehicle, and student away at school.
  • Progressive may offer discounts for online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
  • Mercury Insurance policyholders can earn discounts including low natural disaster claims, annual mileage, good student, age of vehicle, location of vehicle, anti-theft, and multi-policy.
  • 21st Century has discounts for automatic seat belts, air bags, good student, homeowners, defensive driver, and 55 and older.
  • Allstate may have discounts that include FullPay discount, early signing, economy car, senior citizen, eSmart discount, anti-lock brakes, and multi-policy.

Before you buy a policy, ask every prospective company what discounts are available to you. Depending on the company, some discounts might not apply in your area. For a list of insurance companies with the best insurance discounts, click here.

First Step: Get free auto insurance quotes

All major auto insurance companies such as State Farm and Allstate make it easy to get prices directly from their websites. This process is possible for anyone as all you need to do is type in your personal and coverage information into the form. After the form is submitted, their system will order your driving and credit reports and quotes a price. Quoting online streamlines rate comparisons, but having to visit many different websites and type in the same information is monotonous and tiresome. But it’s very important to do this if you want to get the best price on auto insurance.

A quicker way to find better auto insurance pricing makes use of a single form that obtains quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes comparison shopping a little more enjoyable. After sending your information, it is quoted and you can select any of the returned quotes.

If you find a better price it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you enter your coverages exactly as shown on your declarations page. This guarantees you will have rate quotes for exact coverage.

Insurance coverage is unique, just like you

When it comes to choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining whether you may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage if my license is suspended?
  • Should I buy full coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I have a DUI can I still get coverage?
  • Should I bundle my homeowners policy with my auto?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Don’t be fooled by advertising claims

Respected companies like State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to convey the message that you’ll save big just by moving your insurance coverage to their company. How can each company charge lower premium rates? This is the trick they use.

Most companies quote their cheapest rates for a prospective insured that earns them the most money. For example, a driver they prefer may need to be over the age of 35, carries high limits, and drives less than 5,000 miles a year. Anybody who matches that profile will get low rates and will also save if they switch.

Drivers who may not quite match this stringent profile will get more expensive rates and this results in the customer buying from someone else. The trick is to say “customers that switch” not “everyone who quotes” save that much. This is how companies can claim big savings.

This illustrates why it is so important to compare quotes as often as possible. Because without a comparison, you cannot know which company will have the best rates at this point in time.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for dental work, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability insurance

This will cover damage that occurs to a person or their property by causing an accident. It 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 per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. 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 coverage pays for claims like court costs, repair costs for stationary objects, attorney fees, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants 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. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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 coverage pays for claims like rock chips in glass, fire damage, vandalism, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Better coverage you can count on

Throughout this article, we presented some good ideas how you can reduce 2012 Audi A4 insurance rates online. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive insurance coverage. Drivers may discover the lowest priced insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, someone dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Discount 2012 Audi A4 insurance is available from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some insurance companies may not provide online rate quotes and usually these small insurance companies prefer to sell through independent agents.

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