2001 Audi A4 Car Insurance Rates – 7 Tricks for Cheaper Quotes

When looking for cheaper insurance, are you overwhelmed by the sheer number of insurance providers available to you? Consumers have such a large number of options that it can really be a difficult situation to find a more affordable company.

Consumers need to check insurance prices before your policy renews because insurance rates are constantly changing. Even if you think you had the best premium rates on A4 insurance last year the chances are good that you can find a lower price today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best way to find better coverage at a better price.

Verify you’re applying every discount

Auto insurance companies don’t list every discount they offer in an easy-to-find place, so the following is a list of a few of the more common and the harder-to-find discounts that may be available.

  • Policy Bundle Discount – When you have multiple policies with the same company you could save up to 20% off your total premium.
  • Professional Memberships – Being a member of qualifying clubs or civic groups is a good way to get lower rates on insurance coverage.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay much less in comparison with drivers who are more careless.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
  • Driver Safety – Participating in a driver safety course could save 5% or more and easily pay for the cost of the class.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Sign Early and Save – Select companies give a discount for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.

As a sidenote, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Some of the larger companies that possibly offer these money-saving discounts possibly include:

Check with all companies you are considering to give you their best rates. All car insurance discounts might not apply in your area. If you would like to choose from a list of insurance coverage companies that provide some of the discounts listed above, click here.

When should I discuss my situation with an agent?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Am I covered if I break a side mirror?
  • Is extra glass coverage worth it?
  • What vehicles should carry emergency assistance coverage?
  • How much liability insurance is required?
  • What happens if I owe more than my 2001 Audi A4 is worth?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much underlying liability do I need for an umbrella policy?
  • Will my insurance pay for OEM parts?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Detailed coverages of your auto insurance policy

Knowing the specifics of auto insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability

This coverage will cover damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds, loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Audi A4.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, hospital visits, funeral costs, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This covers damage to your A4 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding, theft and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

At the end of the day…

Throughout this article, we presented a lot of tips how to save on 2001 Audi A4 insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance is with a small mutual company.

Some companies may not provide online quoting and most of the time these regional insurance providers only sell through local independent agents. Cheaper insurance is available both online in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

More detailed insurance information can be found in the articles below: