2013 Audi A4 Insurance Quotes – 6 Tips for Cheaper Rates

I doubt anyone looks forward to paying for insurance coverage, especially when they know the cost is too high. People have many car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more options can take longer to find the best rates.

Consumers should take time to take a look at other company’s rates at least once a year since prices change quite often. Despite the fact that you may have had the best quotes for A4 coverage two years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because it’s time to teach you one of the best ways to find lower rates on insurance coverage.

These six discounts can lower your insurance coverage quotes

Not too many consumers would say insurance coverage is affordable, but there’s a good chance there are discounts that you may not even be aware of. Most are applied when you quote, but some must be inquired about before you will receive the discount.

  • Military Rewards – Being on active duty in the military could be rewarded with lower rates.
  • Low Mileage – Low mileage vehicles may enable drivers to earn cheaper premium rates.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
  • Professional Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on your policy.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Safe Driver Discounts – Accident-free drivers can save up to 40% or more on their car insurance quote for A4 coverage than drivers with accidents.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Companies and some of the discounts are detailed below.

  • Geico offers discounts including multi-policy, air bags, membership and employees, defensive driver, seat belt use, anti-lock brakes, and military active duty.
  • Mercury Insurance may include discounts for good student, type of vehicle, location of vehicle, multi-policy, and multi-car.
  • Farmers Insurance discounts include electronic funds transfer, alternative fuel, homeowner, early shopping, and distant student.
  • Auto-Owners Insurance includes discounts for safe driver, mature driver, air bags, safe vehicle, good student, and group or association.
  • Liberty Mutual offers discounts for safety features, exclusive group savings, newly retired, multi-car, teen driver discount, and new vehicle discount.
  • SAFECO may offer discounts for teen safety rewards, bundle discounts, teen safe driver, homeowner, drive less, safe driver, and multi-car.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, good student, continuous coverage, and online signing.
  • USAA offers premium reductions for vehicle storage, annual mileage, driver training, loyalty savings, and multi-policy.

If you need lower rates, check with each company how many discounts you can get. Some discounts listed above might not be available to policyholders everywhere. To locate insurers with discount insurance coverage rates, click here.

Compare car insurance rate quotes online

Getting a cheap price on 2013 Audi A4 insurance isn’t really that difficult. The only thing you need to do is spend a few minutes getting comparison quotes provided by online insurance companies. Rate comparisons can be done in a couple of different ways.

  • The most efficient way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quote forms for each company. Filling out one form gets prices estimates from multiple companies.
  • A more difficult way to get comparison quotes consists of going to each company’s website and repeat the quote process. For instance, we’ll assume you want to compare USAA, State Farm and Allstate. To get each rate you have to go to each individual site to enter your coverage information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

  • The hardest way to get price estimates is driving to local insurance agencies. Doing it all online eliminates the middleman unless you require the trained advice of a local agent. Although, it is possible find lower rates online and get advice from an agent in your area.

Whichever way you use, compare exactly the same coverages and limits for every company. If your comparisons have different deductibles then you won’t be able to make a fair rate comparison.

Different people need different insurance coverages

When choosing coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover damages from a DUI accident?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my babysitter covered when using my vehicle?
  • Is a fancy paint job covered?
  • Which companies will insure high-risk drivers?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Car insurance coverage considerations

Knowing the specifics of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Collision coverage

Collision coverage pays for damage to your A4 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, a broken windshield, hail damage, damage from getting keyed and hitting a bird. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like funeral costs, hospital visits, surgery and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, attorney fees, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Audi A4.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Save your cold hard cash

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Lower-priced car insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not offer online price quotes and usually these small insurance companies prefer to sell through independent agencies.

More resources