Cheaper 2004 Audi A4 Insurance Rates

Finding the cheapest insurance for a new or used Audi A4 can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to price shop coverage for a Audi and locate the cheapest rates.

How to get free auto insurance quotes online

Effectively comparing auto insurance prices can be challenging if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to insurance agencies in your area, or you could use the web for quick rates.

Many companies belong to an insurance system that allows shoppers to send in one quote, and every company can provide price quotes for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To compare pricing click to open in new window.

The only downside to getting quotes like this is you can’t choose which companies you want pricing from. So if you want to choose from a list of companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make darn sure you compare the same quote information with each company. If you are comparing different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Take advantage of with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but some discounts are required to be manually applied in order for you to get them. If you are not receiving all the discounts possible, you are just wasting money.

  • Military Deployment Discount – Having a family member in the military could be rewarded with lower rates.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Telematics Data – Drivers who elect to allow their company to analyze driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they are good drivers.
  • Safe Drivers – Accident-free drivers may save up to 50% more for A4 insurance compared to rates paid by drivers with frequent claims.
  • Memberships – Having an affiliation with a professional or civic organization can get you a small discount on car insurance.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for newer models.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for A4 insurance.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic. But any discount will help lower the premium cost.

Insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

Before buying, ask every insurance company to give you their best rates. A few discounts may not be available in your state.

Your situation helps dictate your coverage

When choosing coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if you might need professional guidance.

  • Can my babysitter drive my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover tools stolen from my truck?
  • Does having multiple vehicles earn me a discount?
  • Is extra glass coverage worth it?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Lower insurance rates with these tips

It’s important that you understand the factors that play a part in calculating car insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

  • Consolidate policies to earn discounts – Most larger companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to compare rates to ensure the best deal.There is a chance you can save money by buying insurance from more than one company.
  • Deter theft and pay less – Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
  • Your job and car insurance rates – Jobs such as fire fighters, business owners and dentists tend to pay the highest rates attributed to high stress and extremely grueling work hours. On the other hand, careers like professors, athletes and retirees pay the least for A4 insurance.
  • More traffic means higher claims – Having an address in areas with lower population may provide you with better prices when shopping for auto insurance. Residents of big cities have much more traffic and higher rates of accident claims. Fewer people means reduced accidents.
  • Never let your car insurance lapse – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay higher rates, failure to provide proof of insurance could earn you a revoked license or a big fine.

Car insurance coverages for a 2004 Audi A4

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, pain and suffering, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverage protection

This pays for damage to your A4 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for things like surgery, X-ray expenses, prosthetic devices and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Keep this in mind

You just read quite a bit of information on how to save on 2004 Audi A4 insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from a lesser-known regional company.

Drivers switch companies for any number of reasons including high prices, policy non-renewal, being labeled a high risk driver or even poor customer service. Regardless of your reason for switching companies, switching insurance companies is not as difficult as it may seem.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage only to find out that they should have had better coverage. Your strategy should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

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