2003 Audi A4 Insurance Rates

Want better auto insurance rates for your Audi A4? Being forced to pay for overpriced auto insurance premiums can sap your personal savings and force you to make sacrifices. Popular companies such as Progressive, Geico and Farmers Insurance constantly blast consumers with catchy ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you have a policy now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the best way to shop online.

Get cheaper insurance with discounts

Some insurers don’t necessarily list every discount they offer very well, so below is a list a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on A4 coverage with certain companies.
  • ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles on one policy qualifies for this discount.
  • Good Student – Maintaining excellent grades can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on A4 coverage.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Home Ownership Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Renewal Discounts – A few insurance companies offer discounts for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • No Claims – Drivers with accident-free driving histories have much lower rates as opposed to policyholders that have many claims.

As a footnote on discounts, most discounts do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts should definitely cut your policy cost.

Larger insurance companies and a summarized list of policyholder discounts are:

  • Travelers policyholders can earn discounts including payment discounts, hybrid/electric vehicle, new car, driver training, and home ownership.
  • 21st Century offers premium reductions for driver training, student driver, anti-lock brakes, air bags, theft prevention, 55 and older, and automatic seat belts.
  • State Farm may include discounts for multiple policy, safe vehicle, driver’s education, multiple autos, and defensive driving training.
  • Geico may offer discounts for emergency military deployment, seat belt use, multi-vehicle, good student, driver training, anti-lock brakes, and defensive driver.
  • SAFECO includes discounts for safe driver, bundle discounts, multi-car, teen safe driver, and homeowner.
  • AAA may have discounts that include education and occupation, AAA membership discount, multi-car, good driver, multi-policy, good student, and pay-in-full.

Check with each insurance company which discounts you qualify for. Some credits may not be offered in your area. If you would like to view providers offering insurance discounts, click this link.

Which car insurance is cheapest?

Cutting your car insurance rates is surprisingly easy. You just have to take time getting comparison quotes provided by online insurance companies. This is very easy and can be done by following the guidelines below.

  1. The simplest way to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do separate forms for every prospective company. In just a few minutes this one form gets coverage cost estimates direct from many companies.
  2. A more difficult way to get quotes online consists of visiting each company’s website and go through the quote process again. For examples sake, we’ll assume you want to compare rates from Geico, 21st Century and American Family. In order to compare rates, you need to go to each individual site and enter your policy data, which can take a lot of time.

    For a list of companies in your area, click here.

The approach you take is up to you, just make sure you use nearly identical coverages on every quote you get. If you use different liability limits you will not be able to make a fair comparison for your Audi A4.

Choices you make can impact your insurance prices

Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic such as your driving record, but other factors are less obvious like your continuous coverage or your commute time.The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that will entitle you to big savings.

  • Lower premiums with uninterrupted coverage – Driving any period of time without insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Raise coverage deductibles and save – Deductibles for physical damage define how much you are required to spend if the claim is covered. Physical damage insurance, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are rearending another vehicle, hail damage, and damage from wind. The more of the claim the insured has to pay upfront, the better rate you will receive on A4 coverage.
  • What are good liability limits? – Liability coverage will afford coverage if you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
  • Deter vehicle theft – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Do I have coverage when using my vehicle for my home business?
  • What exactly is covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my camper covered by my car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will my rates increase for filing one claim?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Having a good grasp of auto insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

Coverage for liability – This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, loss of income, bail bonds, structural damage and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, hospital visits, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, a tree branch falling on your vehicle and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2003 Audi A4.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverages – Collision insurance covers damage to your A4 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

More quotes. Lower rates.

We just covered a lot of techniques to get a better price on 2003 Audi A4 insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest prices come from an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Lower-priced 2003 Audi A4 insurance is definitely available from both online companies and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies may not provide online quoting and most of the time these small insurance companies work with independent agents.

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