2007 Audi A4 Insurance Rates – 9 Policy Discounts

Trying to find better insurance rates for your Audi A4? Having to pay for high-priced insurance can overdraw your funds and put the squeeze on your family’s finances.

People have many auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

It’s smart to do rate comparisons periodically because prices tend to go up over time. Even if you think you had the best deal on A4 coverage a year ago other companies may now be cheaper. There is too much inaccurate information about insurance online, but in just a couple of minutes you can learn a lot of great tips on how to stop overpaying for insurance.

Low cost insurance coverage prices

When shopping for insurance coverage there are multiple ways to compare quotes from insurance coverage companies in your area. The easiest way to do a complete rate comparison is to use the internet to compare rates. This is quite simple and can be completed in a couple of different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing separate quotes to each individual insurance coverage company. Just one form compares rates from multiple low-cost companies.
  2. A less efficient way to find more affordable insurance requires you to visit the website of each company and fill out a new quote form. For example, let’s say you want to compare prices for Farmers, Esurance and Allstate. To get each rate you have to go to each individual site and repeatedly type in your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have differing limits it will be impossible to determine which rate is truly the best. Just a small difference in coverages can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes increases the change that you will find a lower rate than you’re paying now.

How do I know if I need professional advice?

When choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions could help you determine whether or not you might need professional guidance.

  • Does my insurance cover my expensive audio equipment?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage if my license is suspended?
  • When should I buy a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I not file a claim?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance policy specifics

Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, ambulance fees, pain medications, EMT expenses and surgery. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance will pay to fix damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from getting keyed, rock chips in glass and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability insurance – This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, court costs and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.