1997 Audi A4 Car Insurance Quotes – 10 Tips to Save

Searching for the cheapest insurance rates for your Audi A4? Do you get exhausted from wondering where the money will come from to make your insurance payment? Your situation is no different than most other consumers. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

If you are insured now or need new coverage, you can use this information to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the tricks to find the lowest price online.

Insurance quotes comparison

Getting a cheaper price on 1997 Audi A4 insurance doesn’t have to be difficult. The only requirement is to take time comparing rate quotes to find. Price comparisons can be done using one of these methods.

  1. The simplest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for multiple quote forms for every prospective company. Taking the time to complete one form will return price quotes from many national carriers.
  2. A less efficient way to shop for insurance online is going to each company’s website and go through the quote process again. For examples sake, let’s assume you want to compare prices for USAA, Farmers and American Family. To do that, you would have to go to each individual site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The most difficult method to quote and compare insurance rates is calling or driving to each insurance agency near you. Quoting online eliminates the need for an insurance agent unless you’re the type of person who wants the professional guidance only provided by licensed agents. Although you can price shop online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you use exactly the same coverage data for each price quote. If your comparisons have different liability limits it will be nearly impossible to make a fair rate comparison.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements for insurance coverage savings from the likes of Allstate, Geico and Progressive. All the companies convey the message that drivers can save some big amount just by moving your policy.

How is it plausible that every one can offer drivers better rates? This is the way they can do it.

All the different companies quote the lowest rates for the type of driver that earns them the most money. An example of a profitable customer could possibly be between the ages of 30 and 45, owns a home, and drives less than 5,000 miles a year. Any customer that meets those criteria receive the lowest rate quotes as well as save if they switch.

People who do not match this ideal profile will get higher rates and this results in the prospect going elsewhere. The trick is to say “people that switch” not “everyone who quotes” save money. That’s why insurance companies can confidently make those statements.

Because of the profiling, you really should get as many free car insurance quotes as possible. It’s impossible to know which insurance coverage company will fit your personal profile best.

Insurance discounts are available to reduce your rates

Some insurance providers do not list every disount available in a way that’s easy to find, so the following list contains a few of the more common as well as the least known ways to save on insurance.

  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get better insurance rates on A4 insurance.
  • Government Employees – Simply working for the federal government could provide a small rate reduction on A4 insurance with select insurance companies.
  • Early Renewal Discounts – Select larger companies give a discount for signing up before your current coverage expires. You can save around 10% with this discount.
  • Good Driver Discount – Drivers without accidents may save up to 50% more on A4 insurance than drivers with accident claims.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and that can save you a little bit as well.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Multiple Policy Discount – If you can combine your home and auto policy with one insurance company they may give you a discount of as much as 10 to 15 percent.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
  • Accident-Free Discounts – Drivers who stay claim-free pay less as opposed to bad drivers.
  • ABS Braking Discount – Cars with ABS braking systems or traction control are safer to drive and will save you 10% or more.

One last thing about discounts, some credits don’t apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and their offered discounts are detailed below.

  • State Farm may have discounts that include good student, multiple policy, accident-free, student away at school, Steer Clear safe driver discount, multiple autos, and driver’s education.
  • Esurance offers premium reductions for online shopper, Pac-12 alumni, anti-lock brakes, safety device, renters, emergency road assistance, and online quote.
  • Progressive may include discounts for homeowner, continuous coverage, good student, multi-policy, and online quote discount.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, new move discount, newly retired, hybrid vehicle, newly married, good student, and teen driver discount.
  • Auto-Owners Insurance offers discounts including air bags, company car, safe driver, mature driver, and paid in full.
  • Geico offers discounts for daytime running lights, military active duty, multi-policy, multi-vehicle, five-year accident-free, air bags, and membership and employees.

When comparing rates, check with each company to apply every possible discount. Discounts may not apply in every state.

Everyone needs different insurance coverage coverages

When it comes to buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • How high should my medical payments coverage be?
  • Can I drive in Mexico and have coverage?
  • When should I not file a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Is my dog or cat covered if injured in an accident?
  • Will my insurance pay for OEM parts?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Learn about auto insurance coverages for an Audi A4

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, surgery, hospital visits, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, damage from getting keyed, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your A4 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.


Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

A fool and his money are soon parted

Some insurance companies may not offer online rate quotes and these smaller providers provide coverage only through independent agencies. Cheaper 1997 Audi A4 insurance can be bought online in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

We just showed you many ways to reduce 1997 Audi A4 insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable car insurance. You may even find the lowest rates are with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower auto insurance rates than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

More information is available at the links below

Comments About 1997 Audi A4 Insurance

  1. Tamekia Alford

    I live in Columbus, Ohio. Compared quite a few companies. Saved darn near $30 a month. 21st Century was the cheapest option for me.

  2. Tanner Valentine

    If you have a good history and live around Missoula, MT, check out Progressive. I saved quite a bit. Good multi-policy discounts. Did it all online.

  3. Elizabeth Davenport

    This is too expensive. I live just outside Bismarck, North Dakota. Received quotes with Western Auto Insurance, AIG Insurance, Hartford, and MetLife for my Audi and saved $97 a year. Thankfully I’m not a high risk driver.

  4. Loretta Greer

    Nice info. From a town just southwest of South Burlington, Vermont. Compared quite a few companies. Saved darn near $30 a month. Progressive was the most affordable for me. Left Hartford to switch. They were helpful in switching over.

  5. Ludivina Spence

    I’m just south of Sioux Falls, SD. I don’t recall every quote but I ended up saving about $30 each month.

  6. Scot Holden

    Just a quick comment on my experience. I live in Minneapolis, Minnesota. Quoted prices from Amica, MetLife, and a few others for my A4 and saved $87 a year. Left Hartford to switch. It’s still not cheap enough. Not worth enough to pay for comprehensive and collision.

  7. Reinaldo Dawson

    I can’t pay high rates. I live in a small town just outside of Bridgeport, CT. Received quotes from Mercury, Eastwood, Progressive, and American Family for my A4 and saved just over $70 a year. Was with Western Auto Insurance.

  8. Alyse Lindsay

    Will Progressive raise rates after an accident?

  9. Elinor Weeks

    Hope my rates come down. Proud to be from Boston, MA. Not sure of all the companies but I ended up saving about $30 each month. I’m a pretty good driver though. Next renewal I’ll just do liability.

  10. Jillian Dickerson

    I got quite a few price quotes for a 1997 Audi A4 in Lexington, Kentucky. Ended up at darn near $80 every six months with American Family. Was with The General.

  11. Claud Sanford

    I’m in the west part of Juneau, Alaska. I got free quotes from Allstate, AIG Insurance, Farmers, and The General for my A4 and I think I cut my rates about $30 each month.

  12. Irish Ramsey

    Went with American Family for my 1997 Audi A4 and am saving around $60 a year. LOL Book value doesn’t justify full coverage anymore.

  13. Dolly Hobbs

    From Worcester, MA. Quoted with Allstate, Amica, Farmers, and Hanover for my A4 and saved just over $80 a year. Hopefully won’t need it. Might find lower rates online.