2018 Audi A4 Insurance Quotes

Trying to find cheaper car insurance rates for your Audi A4? Nobody that owns a car fancies paying their premiums for car insurance, particularly when they could find better rates elsewhere.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate constantly bombard you with ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

You should take the time to shop coverage around quite often because prices change frequently. Just because you found the best deal on A4 coverage a couple years back you can probably find a better rate quote now. Block out anything you think you know about car insurance because you’re going to learn the things you must know in order to remove unneeded coverages and save money.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Finding affordable coverage is quite easy. Nevertheless, car owners do need to know how companies sell online because it can help you find the best coverage.

Audi A4 insurance rates can be cheaper

Lots of factors are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as whether you are married or how financially stable you are.

Shown below are some of the things car insurance companies consider when setting your prices.

  • Cheaper prices for prior coverage – Letting your insurance expire is a fast way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance might get you fines or a revoked license.
  • Gender as a rate factor – Over the last 50 years, statistics have shown that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. Males and females tend to get into accidents at about the same rate, but men tend to have higher claims. Not only that, but men also get ticketed for serious violations like DUI and reckless driving.
  • Premiums can change based on your address – Being located in small towns and rural areas can save you money when insuring your vehicles. Fewer people means a lower chance of having an accident. People who live in big cities have to deal with congested traffic and longer commute times. The longer drive time means more chance of being in an accident.
  • Premiums increase with policy add-ons – Insurance companies have many add-on coverages that you can buy if you aren’t careful. Things like rental car coverage, accident forgiveness, and term life insurance could be just wasting money. These coverages may sound good initially, but now you might not need them so remove them from your policy.

Pay discount rates these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be asked about before being credited.

  • Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Progressive will let one accident slide without getting socked with a rate hike so long as you are claim-free for a set time period.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
  • Driver Training Discounts – Taking time to complete a defensive driving course could possibly earn you a 5% discount and make you a better driver.
  • E-sign – A few larger online companies provide a small discount for completing your application online.
  • Savings for New Vehicles – Buying a new car instead of a used car can get you a discount because new model year vehicles have to meet stringent safety requirements.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts should help lower the amount you have to pay.

Large car insurance companies and their offered discounts are detailed below.

  • Geico may have discounts that include driver training, multi-policy, membership and employees, anti-theft, and multi-vehicle.
  • MetLife offers premium reductions for good student, accident-free, good driver, defensive driver, claim-free, and multi-policy.
  • State Farm has savings for multiple autos, Drive Safe & Save, good student, Steer Clear safe driver discount, and multiple policy.
  • Progressive offers discounts for multi-policy, online signing, good student, homeowner, and multi-vehicle.
  • Mercury Insurance includes discounts for good driver, location of vehicle, multi-policy, accident-free, and age of vehicle.
  • 21st Century offers discounts including automatic seat belts, 55 and older, air bags, student driver, driver training, good student, and anti-lock brakes.
  • Allstate policyholders can earn discounts including 55 and retired, eSmart discount, FullPay discount, teenSMART discount, and defensive driver.

Check with each company how many discounts you can get. Some credits might not be available to policyholders in your area. For a list of providers who offer car insurance discounts, click this link.

Special considerations

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Are rental cars covered under my policy?
  • Do I need motorclub coverage?
  • Do I have coverage if my license is suspended?
  • What if I don’t agree with a claim settlement offer?
  • How much liability coverage do I need in my state?
  • Am I covered if my car is in a flood?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, court costs, legal defense fees, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as dental work, doctor visits, pain medications, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage covers damage to your A4 caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed, theft, damage from flooding and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In the end, you save

When searching for cheap insurance quotes, do not buy less coverage just to save a little money. In many cases, someone sacrificed full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford.

In this article, we presented some good ideas how to get a better price on 2018 Audi A4 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost insurance. You may even discover the best car insurance rates are with the smaller companies. These companies often have lower premium rates on specific markets compared to the large companies like Allstate and Progressive.

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