2016 Audi A4 Car Insurance Rates

Searching for cheaper car insurance rates for your Audi A4? I can’t think of a single person who likes paying for car insurance, especially when they know the prices are way too high. With so many insurance companies to choose from, it can be impossible to find the best car insurance provider.

Find discounts on insurance coverage

Companies that sell car insurance do not advertise all possible discounts very well, so the following is a list of both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Membership in Organizations – Being in a civic or occupational organization could qualify you for a break on your next renewal.
  • Telematics Data Discounts – People who choose to allow their company to track where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they show good driving skills.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education in school.
  • No Claims – Drivers who don’t have accidents have much lower rates as compared to frequent claim filers.
  • Multiple Cars – Buying a policy with multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on A4 coverage with certain companies.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper because newer vehicles are generally safer.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help lower your insurance coverage premiums.

Large insurance coverage companies and the discounts they provide are detailed below.

  • Progressive discounts include online signing, continuous coverage, multi-policy, online quote discount, multi-vehicle, and homeowner.
  • The Hartford has savings for good student, bundle, anti-theft, driver training, defensive driver, vehicle fuel type, and air bag.
  • Mercury Insurance may have discounts that include age of vehicle, low natural disaster claims, anti-theft, annual mileage, accident-free, ease of repair, and type of vehicle.
  • Geico offers discounts for multi-vehicle, multi-policy, federal employee, daytime running lights, emergency military deployment, and air bags.
  • AAA has discounts for multi-policy, education and occupation, good driver, multi-car, AAA membership discount, anti-theft, and pay-in-full.
  • State Farm may offer discounts for driver’s education, good student, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Discounts may not be offered everywhere. If you would like to view insurance companies who offer online insurance coverage quotes, click here to view.

The most recommended method to compare car insurance rates takes advantage of the fact most larger insurance companies participate in a system to give you rate quotes. All you need to do is give them some information like whether you are married, if you require a SR-22, whether the vehicles are used for commuting, and your education level. Your rating data gets transmitted to many of the top insurers and they provide comparison quotes immediately.

Five factors that determine insurance prices

Many factors are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, but some are not quite as obvious such as your marital status or your vehicle rating.

  • Save by driving less – The higher the mileage driven each year the higher the price you pay to insure it. Most insurance companies calculate rates determined by how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your A4 is throwing money out the window. Make sure your car insurance policy properly reflects the correct usage.
  • Pay less with a high safety rating – Cars with five star safety ratings cost less to insure. Safe vehicles protect occupants better and better occupant protection means lower claim amounts which can result in lower premiums. If your Audi has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Liability coverage – Your car insurance policy’s liability coverage kicks in if ever you are responsible for an accident. Liability insurance provides for a legal defense which can cost a lot. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • You might pay higher premiums if you are single – Your spouse may earn you lower rates on your car insurance bill. Having a significant other demonstrates that you tend to be more mature and insurance companies like that married drivers get in fewer accidents.
  • Do you need those extra coverages? – Policies have additional coverages that may not really be needed if you don’t pay attention. Insurance for things like roadside assistance, accident forgiveness, and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • I don’t drive much so do I pay less?
  • What is an SR-22 filing?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Should I have a commercial auto policy?
  • How do I buy GAP insurance?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, emergency aid, funeral expenses, structural damage and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive coverage

This covers 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 protects against claims such as falling objects, hitting a deer, a tree branch falling on your vehicle, theft and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for collisions

Collision coverage will pay to fix damage to your A4 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Discount 2016 Audi A4 insurance can be purchased on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer price quotes online and these smaller providers prefer to sell through independent insurance agencies.

When getting car insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped full coverage only to discover later that it was a big mistake. The ultimate goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

Additional information