1999 Audi A4 Car Insurance Quotes – 7 Tips to Save

Locating better insurance prices for a new or used Audi A4 can be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the absolute fastest way to get price quotes for your Audi and locate the lowest possible price.

It is always a good idea to quote other rates at least once a year since prices are usually higher with each renewal. Even if you got the best price on A4 coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best methods to save on auto insurance.

If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Buying the cheapest insurance coverage is not that difficult. Drivers just need to learn the proper methods to compare company rates on the web.

Reduce your insurance coverage rates with these seven discounts

Insuring your vehicles can cost a lot, but there are discounts available that could drop your premiums quite a bit. Some discounts will apply at the time of purchase, but a few need to be requested specifically before you will receive the discount.

  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Discount for Passive Restraints – Vehicles equipped with air bags can get savings as much as 30%.
  • Discounts for Safe Drivers – Drivers without accidents may save up to 50% more on A4 coverage than drivers with accidents.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • New Vehicle Savings – Buying insurance on a new vehicle can save up to 30% since newer vehicles have better safety ratings.
  • Professional Organizations – Being in qualifying employment or professional organizations is a simple method to lower premiums on your policy.

Please keep in mind that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

A list of companies and a summarized list of policyholder discounts can be found below.

  • State Farm offers premium reductions for passive restraint, good student, defensive driving training, accident-free, anti-theft, and Drive Safe & Save.
  • Farmers Insurance may include discounts for electronic funds transfer, business and professional, mature driver, multi-car, and distant student.
  • Geico may offer discounts for military active duty, driver training, anti-lock brakes, multi-policy, defensive driver, seat belt use, and five-year accident-free.
  • American Family may have discounts that include early bird, mySafetyValet, bundled insurance, good student, air bags, and accident-free.
  • Nationwide policyholders can earn discounts including business or organization, good student, family plan, easy pay, and anti-theft.
  • Progressive discounts include online quote discount, homeowner, multi-policy, good student, and multi-vehicle.

If you want cheaper auto insurance quotes, ask each insurance company which discounts you may be entitled to. A few discounts might not be available to policyholders in your area. To choose insurance coverage companies who offer insurance coverage discounts, click here to view.

How to find low cost car insurance

Comparing car insurance rates can take hours if you don’t utilize the easiest way. You could waste time talking to local insurance agents in your area, or you could save time and use the web to quickly compare rates.

Most car insurance companies belong to a marketplace that allows shoppers to submit one quote, and every company returns a rated price. This system prevents you from having to do quote requests for each company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose which carriers to get pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but double check that you are using the same information for each comparison quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

You are unique and your insurance should be too

When choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • When would I need additional glass coverage?
  • What happens if I owe more than my 1999 Audi A4 is worth?
  • Are rock chip repairs covered?
  • Is my cargo covered for damage or theft?
  • Am I covered if hit by an uninsured driver?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my trailer covered?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, damage from flooding, hail damage, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, emergency aid, legal defense fees, bail bonds and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This pays for damage to your A4 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 such as backing into a parked car, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like prosthetic devices, X-ray expenses, EMT expenses, surgery and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1999 Audi A4.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

In Summary

Drivers leave their current company for any number of reasons including denial of a claim, unfair underwriting practices, poor customer service and lack of trust in their agent. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

In this article, we covered many tips how you can get a better price on 1999 Audi A4 insurance. It’s most important to understand that the more times you quote, the higher your chance of finding low cost auto insurance. Consumers may even find the most savings is with an unexpected company.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

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