2009 Audi A4 Insurance Cost – 5 Tips for Cheaper Prices

Drivers have options when trying to find affordable Audi A4 insurance. They can either spend hours driving around trying to get quotes or leverage the internet to get rate quotes. There is a better way to find insurance online and you need to know the absolute fastest way to compare rates for a Audi and get the lowest price from local insurance agents and online providers.

First Step: Get free insurance coverage quotes

Lowering your 2009 Audi A4 insurance coverage rates doesn’t have to be difficult. Just take a couple of minutes comparing free insurance coverage quotes online with multiple companies. Shoppers can get rates using one of these methods.

The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This quick form keeps you from doing separate forms for each company. One form compares rates from all major companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes is spending the time to visit each company’s website and repeat the quote process again and again. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, Farmers and Progressive. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, which is not fast way to get rate quotes.
For a list of links to insurance companies in your area, click here.
The least recommended method to find lower rates is making phone calls or going to all the different insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the professional assistance only provided by licensed agents. Although you can compare online quotes but buy from a local insurance agent.

How you compare quotes is your choice, just try to use nearly identical quote information for every quote you compare. If you have mixed coverages it’s not possible to determine which rate is truly the best.

Use discounts to get cheaper insurance coverage rates

Insurance coverage is expensive, but you might be missing out on some discounts to help offset the cost. Many of these discounts will be applied automatically at the time of quoting, but a few must be asked about before you get the savings.

E-sign – Some insurance coverage companies will discount your bill up to fifty bucks for signing up on the web.
Senior Citizen Rates – Drivers that qualify as senior citizens may receive lower premium rates for A4 insurance.
Discount for Life Insurance – Select insurance carriers reward you with a small discount if you purchase auto and life insurance together.
Bundle and Save – If you insure your home and vehicles with the same company you could earn a discount of 10% to 20% off each policy.
Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and some of their more popular discounts are included below.

Geico has discounts for anti-lock brakes, federal employee, driver training, military active duty, and five-year accident-free.
USAA includes discounts for loyalty savings, defensive driver, good student, annual mileage, and multi-policy.
Progressive discounts include good student, homeowner, multi-vehicle, online signing, multi-policy, continuous coverage, and online quote discount.
American Family may have discounts that include TimeAway discount, good student, air bags, multi-vehicle, and defensive driver.
Esurance offers discounts for online quote, emergency road assistance, homeowner, multi-policy, anti-theft, and renters.
Farmers Insurance policyholders can earn discounts including business and professional, youthful driver, bundle discounts, switch companies, multi-car, and mature driver.
State Farm has savings for good driver, accident-free, driver’s education, multiple autos, defensive driving training, passive restraint, and anti-theft.

If you need lower rates, check with each insurance company which discounts can lower your rates. Discounts might not be offered in your area.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions may help highlight if your situation will benefit from professional help.

Am I covered when driving someone else’s vehicle?
Where can I get insurance after a DUI in my state?
How much liability coverage do I need in my state?
Am I covered when pulling a rental trailer?
What can I do if my company won’t pay a claim?
Are rental cars covered under my policy?
Should I rate my 2009 Audi A4 as pleasure use or commute?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage options for a 2009 Audi A4

Having a good grasp of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as bail bonds, attorney fees, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage

This coverage pays for damage to your A4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as rolling your car, damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for things like hospital visits, dental work, rehabilitation expenses, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.