Save on 2016 Audi A4 Car Insurance Quotes

Searching for the cheapest auto insurance rates? Consumers have options when looking for the lowest priced Audi A4 insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for your Audi and get the lowest price either online or from local insurance agents.

Consumers should take time to get comparison quotes as often as possible because insurance prices change regularly. Even if you got the best deal for A4 coverage a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best methods to save on auto insurance.

If you have a current car insurance policy or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. The purpose of this article is to introduce you to how to effectively get price quotes and some tricks to saving. Vehicle owners just need to understand the most efficient way to compare company rates on the web.

How do insurers determine Audi A4 insurance premiums?

Smart consumers have a good feel for some of the elements that go into determining your auto insurance rates. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower auto insurance prices. Many different elements are taken into consideration when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but some are more obscure such as whether you are married or your commute time.

  • Drive lots and pay more – The more you drive in a year’s time the more it will cost to insure it. Most companies calculate rates based on their usage. Cars and trucks that sit idle most of the time qualify for better rates compared to those used for work or business. Double check that your declarations sheet states the correct usage. Having the wrong rating on your A4 may be costing you higher rates.
  • City dwellers may pay more – Having an address in less populated areas can be a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have more road rage incidents and longer commute times. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Policy add-ons add up – There are a lot of optional add-on coverages that can add up when buying auto insurance. Insurance for replacement cost coverage, towing, and membership fees are probably not needed. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Bundle and save – Many companies afford discounts to customers that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even with this discount applied, consumers should still compare other company rates to confirm you are receiving the best rates possible.There is a good possibility that you can save money even if you insure with multiple companies
  • Vehicle theft costs us all – Owning a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.

Save with these discounts

Not too many consumers would say insurance coverage is affordable, but discounts can save money and there are some available to cut the cost considerably. Some discounts will apply at the time you complete a quote, but occassionally some discounts must be asked about prior to receiving the credit.

  • Distant Student – Older children who are attending college and don’t have a car may qualify for this discount.
  • Telematics Devices – Drivers who agree to allow driving data submission to track vehicle usage by using a telematics device such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as compared to drivers who are more careless.
  • Homeowners Savings – Being a homeowner can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Active Military Service – Being deployed with a military unit could be rewarded with lower insurance coverage rates.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may get savings of more than 20%.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way.

Popular insurance coverage companies and some of their more popular discounts can be found below.

  • 21st Century may include discounts for driver training, early bird, 55 and older, homeowners, and student driver.
  • Progressive includes discounts for homeowner, online signing, continuous coverage, multi-vehicle, good student, and online quote discount.
  • State Farm may have discounts that include student away at school, passive restraint, Steer Clear safe driver discount, accident-free, and good student.
  • Nationwide offers premium reductions for family plan, accident-free, multi-policy, anti-theft, and Farm Bureau membership.
  • Esurance offers discounts for online quote, emergency road assistance, multi-car, paid-in-full, and multi-policy.
  • The Hartford has discounts for good student, driver training, vehicle fuel type, anti-theft, defensive driver, and bundle.

If you need the cheapest insurance quotes, ask each company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in your area. To view companies who offer insurance coverage discounts, click here.

Do drivers who switch really save?

Consumers can’t get away from ads for auto insurance savings by companies like 21st Century, Allstate and State Farm. All the companies tend to make the same promise about saving some big amount if you switch your auto insurance coverage to their company.

But how can every company charge less that you’re paying now? Just pay attention to how they say it.

Different companies have an ideal profile for the right customer that earns them the highest profit. An example of a profitable customer could be between 30 and 50, has never had a claim, and has great credit. Someone that hits that “sweet spot” will get a cheap rate quote and most likely will save when switching.

Potential insureds who don’t qualify for these criteria will get higher rates which translates to the prospect going elsewhere. Company advertisements say “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way companies can truthfully advertise the way they do.

This really illustrates why it is so important to do a rate comparison at every renewal. You cannot predict which insurance companies will have the best rates for your profile.

Special considerations

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • When should my teen driver be added to my policy?
  • Why do I need rental car insurance?
  • Can my teen drive my company car?
  • What are the best liability limits?
  • Why am I required to get a high-risk car insurance policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as medical expenses, funeral expenses, court costs and attorney fees. 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.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, vandalism, a tree branch falling on your vehicle, theft and hitting a deer. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your A4 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, colliding with a tree, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Don’t throw your cash in the trash

Insureds leave their current company for a number of reasons such as denial of a claim, not issuing a premium refund, questionable increases in premium or even delays in responding to claim requests. Whatever your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Affordable 2016 Audi A4 insurance can be sourced from both online companies in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and these regional carriers sell through independent agents.

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to regret that it was a big mistake. The ultimate goal is to find the BEST coverage for the lowest price.

More resources