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Audi A4 Insurance Rates

Buying auto insurance through online providers can be fast and easy, plus you might just save a little. The most important part is getting as many rate quotes as possible in order to have the lowest prices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Cutting your Audi A4 insurance cost is surprisingly easy. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these factors

Auto insurance rates for a Audi A4 can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your A4
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that helps determine Audi A4 insurance rates is the model year. Newer models cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, newer models may have a trim level with safety features like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability auto insurance - This coverage protects you from damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision insurance pays for damage to your Audi caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Audi A4 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper Audi A4 insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Audi A4 comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Audi A4 Insurance Rates?