View 2012 Audi A4 Insurance Quotes

Searching for cheaper car insurance rates? Consumers have a choice when looking for the lowest priced Audi A4 insurance. They can either spend hours calling around to compare prices or use the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to quote coverages for your Audi and find the lowest price.

Smart consumers take time to take a look at other company’s rates on a regular basis because prices change frequently. Just because you had the best deal for A4 coverage a year ago you may be paying too much now. Ignore everything you know about car insurance because you’re going to learn the quickest way to lower your annual insurance bill.

Drivers save money with these discounts

Insurance coverage is easily one of your largest bills, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but some need to be manually applied prior to receiving the credit. If you don’t get every credit possible, you are paying more than you should be.

  • 55 and Retired – Older drivers can possibly qualify for better insurance coverage rates for A4 coverage.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out life insurance.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • Defensive Driving Course – Participating in a course that instructs on driving safety may get you a small discount if you qualify.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • More Vehicles More Savings – Buying coverage for primary and secondary vehicles with the same company could earn a price break for each car.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Federal Employees – Simply working for the federal government could provide a small rate reduction for A4 coverage with select insurance companies.

Please keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

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

  • Farmers Insurance may have discounts that include homeowner, switch companies, pay in full, good student, and mature driver.
  • State Farm discounts include defensive driving training, safe vehicle, good student, anti-theft, multiple policy, and multiple autos.
  • Liberty Mutual has discounts for multi-policy, newly retired, exclusive group savings, safety features, new move discount, and preferred payment discount.
  • MetLife offers premium reductions for claim-free, multi-policy, accident-free, good student, good driver, and defensive driver.
  • Progressive policyholders can earn discounts including multi-vehicle, multi-policy, continuous coverage, online signing, online quote discount, and homeowner.

If you are trying to find cheap car insurance quotes, ask each company which discounts they offer. A few discounts may not apply in every state. To locate insurers who offer free insurance coverage quotes, click here.

Special considerations

When buying coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Who is covered by my policy?
  • What vehicles should carry emergency assistance coverage?
  • Is business property covered if stolen from my car?
  • How does medical payments coverage work?
  • Should I buy additional glass protection?
  • What can I do if my company won’t pay a claim?
  • At what point should I drop full coverage?
  • What is an SR-22 filing?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Can you really save that much by switching?

Drivers can’t escape the ads that claim the best auto insurance rates by State Farm, Allstate and Geico. All the ads advertise the message about savings just by moving your policy.

How does every company have lower policy pricing? It’s all in the words they use.

Insurance providers are able to cherry pick for the right customer that will add to their bottom line. A good example of a profitable risk profile might be described as between the ages of 30 and 50, has no claims, and drives a safe vehicle. Any driver who meets those qualifications gets the lowest rates and will probably save some money.

Drivers who may not quite match those criteria will see a higher rate and this can result in the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that much when switching. That’s the way companies can claim big savings.

Because of these techniques, it’s extremely important to get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will be your best fit.

Insurance coverage breakdown

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, doctor visits, EMT expenses, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision protection

This coverage pays for damage to your A4 resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A4.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have the Midas touch

Throughout this article, we presented a lot of techniques to reduce 2012 Audi A4 insurance car insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from the smaller companies.

People who switch companies do it for any number of reasons including not issuing a premium refund, high prices, policy cancellation and lack of trust in their agent. It doesn’t matter why you want to switch switching insurance companies is actually quite simple.

There are still a few companies who may not have the ability to get quotes online and most of the time these smaller providers only sell coverage through independent agencies. The cheapest 2012 Audi A4 insurance can be purchased both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.

Much more information about insurance is available on the following sites: