View 2011 Audi A4 Car Insurance Quotes

Looking for cheaper insurance rates for your Audi A4? If you are a novice to online insurance shopping, you can easily be overwhelmed by the vast number of companies that all say they have the best rates.

It’s a good idea to compare premium rates as often as possible due to the fact that insurance prices fluctuate regularly. Just because you found the lowest price for A4 coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

Car insurance discounts are available to slash your rates

Companies that sell car insurance do not list all possible discounts very clearly, so the following is a list of a few of the more well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Paper-free Discount – Some of the larger companies give back up to $50 for buying a policy and signing up on the web.
  • Military Rewards – Being on active deployment in the military may qualify for rate reductions.
  • Discounts for Multiple Vehicles – Having multiple cars or trucks with one company could earn a price break for each car.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Progressive and Allstate may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Own a Home and Save – Simply owning a home can save you money since home ownership is proof that your finances are in order.
  • Discount for New Cars – Buying a new car instead of a used car is cheaper because new vehicles are generally safer.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way.

If you would like to see a list of car insurance companies who offer cheap car insurance quotes, follow this link.

How to buy car insurance online

Shopping for lower car insurance rates can take time and effort if you don’t understand the best way to get rate quotes. You could waste time driving to agents in your area, or you can utilize the internet to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company provides a quote for coverage. This saves time by eliminating form submissions for every car insurance company.

To participate in this free quote system, click to open in new window.

One minor caviat to doing it this way is you cannot specify the companies you want pricing from. So if you want to choose from a list of companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

Whichever method you choose, double check that you are using nearly identical coverage information on every quote you get. If the quotes have mixed coverages it will be nearly impossible to make an equal comparison. Just a small difference in coverage limits can make a big difference in price. Keep in mind that comparing a wide range of rates provides better odds of finding the best price. Some regional insurers cannot provide price estimates online, so you should also compare price estimates from the smaller companies as well.

Learn how to lower your insurance premiums

It’s important that you understand some of the elements that aid in calculating auto insurance rates. If you know what influences your rates, this helps enable you to make changes that will entitle you to lower rates. Many different elements are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are less apparent like where you live and annual miles driven.

  • Consider raising physical damage deductibles – Comp and collision deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims would be collision with another vehicle, hail damage, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for auto insurance for A4 coverage.
  • File a insurance claims and pay more – Insurance companies provide the lowest premiums to drivers who do not file claims often. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Rates increase with driving citations – How you drive has a huge affect on how much you pay. Even one chargable violation can boost insurance rates to the point where it’s not affordable. Careful drivers have lower premiums as compared to careless drivers. Drivers who get dangerous citations like hit and run, DWI or reckless driving convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
  • Your occupation is a factor – Occupations like doctors, business owners and stock brokers generally pay higher rates than average in part from high stress and lots of time spent at work. Conversely, jobs such as actors, historians and homemakers have the lowest average rates for A4 coverage.
  • Fewer miles means better premiums – Driving more miles in a year’s time the more you will pay for auto insurance. Many insurance companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate than those that get driven frequently. Verify your policy reflects the right rating data. Incorrect rating for your A4 can cost quite a bit.
  • Which gender costs less? – Statistics show women tend to be less risk to insure than men. However, this does not mean females are better drivers. Females and males get in auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI). Young males have the highest risk to insure and therefore have the most expensive auto insurance rates.
  • What’s your car’s NHTSA crash test rating? – Safer cars cost less to insure. Safe vehicles reduce occupant injuries and fewer injuries means lower claim amounts which can result in lower premiums. If your Audi scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Everyone needs different insurance coverage coverages

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How do I insure my teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Is motorclub coverage worth it?
  • Is my cargo covered for damage or theft?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Big brands don’t always mean big savings

Popular car insurance providers such as Progressive, Allstate and Geico seem to constantly run television and radio advertisements. They all seem to convey the message that drivers can save some big amount if you just switch to them. That’s great but how can every company have lower policy pricing? This is the way they can do it.

Car insurance companies are able to cherry pick for the type of driver that is profitable for them. An example of a preferred risk might be described as married and over the age of 30, has no tickets, and drives a lower-performance vehicle. Any new insured that meets those criteria will get very good prices and therefore will save if they switch.

Consumers who are not a match for the ideal profile may be forced to pay a higher rate and ends up with the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make it sound like they have such great premium rates.

Because of the profiling, it is so important to compare quotes as often as possible. It is impossible to predict which insurance companies will have the best auto insurance rates.

Specific coverage details

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses like funeral costs, nursing services, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Liability

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $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. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, court costs, funeral expenses, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your A4 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, crashing into a building, colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Don’t break the bank

We covered a lot of tips how to save on 2011 Audi A4 insurance. The key concept to understand is the more you quote car insurance, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from some of the smallest insurance companies.

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and delays in paying claims. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

As you quote car insurance, do not skimp on coverage in order to save money. There have been many cases where an insured dropped full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Much more information about insurance coverage can be found at the links below