View 2014 Audi A4 Insurance Quotes

Trying to find cheaper insurance rates? Buyers have many options when searching for affordable Audi A4 insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to get rate quotes.

There is a better way to find insurance online so we’re going to tell you the best way to quote coverages for a Audi and obtain the lowest price from local insurance agents and online providers.

Use discounts to get cheaper insurance rates

Some insurers do not list every discount they offer very well, so we took the time to find a few of the more common and the harder-to-find insurance savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

  • Discount for Home Ownership – Just being a homeowner can earn you a little savings because owning a home is proof that your finances are in order.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared to drivers who are more careless.
  • First Accident Forgiveness – but companies like Allstate, State Farm and GEICO will let one accident slide before raising your premiums so long as you are claim-free before the accident.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings up to 30%.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • Defensive Driving Course – Taking part in a defensive driving course could earn you a small percentage discount depending on where you live.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer quotes with many of the previously listed discounts include:

Check with all the companies how you can save money. Some discounts listed above might not be offered on policies in your state. If you would like to view insurers that offer multiple discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if hit by an uninsured driver?
  • When should I buy a commercial auto policy?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I crash into my own garage door?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Can you really save if you switch?

Consumers can’t get away from all the ads that promise big savings for switching by companies like Allstate and Progressive. All the companies make the same claim that you’ll save big just by moving to them.

How does every company make the same claim?

Companies quote the lowest rates for the driver that earns them a profit. An example of a profitable insured should be a mature driver, has had continuous coverage, and the vehicle is rated for pleasure use. A customer who matches that profile will get the preferred premium rates and will most likely save some money.

Potential customers who fall outside these criteria will have to pay a higher rate which translates to the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can lure you into getting a quote.

Because every company is different, it’s extremely important to get a wide range of price quotes. Because you cannot predict which insurance coverage company will provide you with the cheapest prices.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover 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 commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 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 can pay for claims like attorney fees, medical services, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your A4 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like funeral costs, dental work, hospital visits and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Save for a rainy day

When searching for cheap car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest cost.

We covered many tips how you can get a better price on 2014 Audi A4 insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best rates are with some of the smallest insurance companies.

Lower-priced 2014 Audi A4 insurance can be found from both online companies and from local agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some auto insurance companies may not provide the ability to get a quote online and many times these small, regional companies sell through independent agents.

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