2014 Audi A4 Car Insurance Rates – 5 Tips for Cheaper Quotes

Want cheaper car insurance rates for your Audi A4? There isn’t anyone who gets a kick out of paying for car insurance, especially knowing the price is too high. Drivers have so many insurers to pick from, and although it’s nice to have a choice, it can be more difficult to compare rates and find the lowest cost car insurance.

It is always a good idea to get comparison quotes before your policy renews because prices are constantly changing. Even if you think you had the best price for A4 coverage six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because it’s time to teach you how to quote online to remove unneeded coverages and save money.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. Drivers just need to learn the proper way to buy auto insurance over the internet.

How to get low cost auto insurance

Comparing auto insurance rates can take time and effort if you aren’t aware of the easiest way. You can waste a lot of time driving to local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Most major companies belong to an insurance system that enables customers to only type in their quote data once, and each company then returns a price quote. This eliminates the need for quote requests to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to using this type of form is that consumers can’t choose the companies to get pricing from. If you wish to select specific insurance companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but try to keep nearly identical coverages and limits for each quote you get. If the quotes have different limits and deductibles on each one then you won’t be able to make an equal comparison.

Take advantage of every car insurance discount

Insuring your fleet can be pricey, but there may be some discounts to help offset the cost. Certain reductions will be credited when you complete an application, but once in a while a discount must be requested specifically before you get the savings.

Early Renewal Discounts – Some larger companies provide a discount for switching policies early. This discount can save up to 10%.
Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
Seat Belts Save – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
Federal Government Employee – Federal government employees could cut as much as 10% off for A4 coverage but check with your company.

You can save money using discounts, but some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Car insurance companies that may offer quotes with most of the discounts above include:

Before buying, ask each insurance company which discounts they offer. Savings may not be available in your area. To view insurers that offer many of these discounts, click this link.

How to know if you need help

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine whether you might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Is rental equipment covered for theft or damage?
I have good health insurance, so how much medical payments coverage do I need?
Can I drive in Mexico and have coverage?
Am I covered if I crash into my own garage door?
Should I buy additional glass protection?
Should I waive the damage coverage when renting a car?
When can my company non-renew my policy?
Is my Audi A4 covered if I use it for business?
Can my teen drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance coverages explained

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Collision coverage

This pays for damage to your A4 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, surgery and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer, a tree branch falling on your vehicle, falling objects and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

This provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, loss of income, pain and suffering and emergency aid. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.