Save on 2000 Audi A4 Car Insurance Rates

Trying to find the cheapest car insurance rates for your Audi A4? Have you finally had enough of being strong-armed to keep your car insured? Your situation is no different than the majority of other people.

Since you have so many insurance companies to choose from, it’s nearly impossible to pick the lowest cost car insurance provider.

The purpose of this post is to instruct you on the best way to quote coverages. If you currently have a car insurance policy, you will be able to save some money using this strategy. But consumers need to learn how big insurance companies sell insurance online and use this information to your advantage.

The best way to compare car insurance company rates is to know the fact car insurance companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details such as how much coverage you want, distance driven, whether you are single or married, and if a SR-22 is needed. The rating information is instantly sent to many different companies and you get price estimates almost instantly.

To check car insurance prices now, click here and find out if you can get cheaper insurance.

These discounts can reduce car insurance rates

Buying car insurance is not cheap, but you may qualify for discounts that you may not even know about. Most are applied when you complete an application, but some need to be specially asked for before you will receive the discount.

• Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.
• Federal Government Employee – Active or retired federal employment may reduce rates when you quote insurance coverage on A4 coverage depending on your company.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
• Paper-free Discount – A handful of larger companies provide a small discount just for signing your application digitally online.
• Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less on A4 coverage compared to rates paid by drivers with frequent claims.
• Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts up to 30%.
• Save over 55 – Mature drivers may receive a small decrease in premiums on A4 coverage.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Car insurance companies that may include many of the previously listed discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When quoting, ask all the companies which discounts you may be entitled to. Savings might not be offered in your area. If you would like to see a list of car insurance companies that offer multiple discounts, click this link.

What determines Audi A4 insurance costs?

The best way to find cheaper insurance is to take a look at some of the factors that are used to determine insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that could result in cheaper rates. Many factors are used when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are less obvious like where you live or your commute time.

• Drive lots and pay more – The more you drive annually the higher your rate. The majority of insurers charge rates based upon how the vehicle is primarily used. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. It’s always a good idea to double check that your vehicle rating is showing the right rating data. Having an incorrect usage rating on your A4 may be costing you higher rates.
• Mature drivers save more – Youthful drivers are statistically shown to be less responsible when driving with friends and because of this, their insurance rates are much higher. More experienced drivers are viewed as being more responsible, tend to file fewer claims , and usually have better credit.
• Tickets can increase premiums – Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Having a single speeding ticket or other violation can increase rates substantially. Drivers with dangerous violations such as reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.
• You may save more by bundling policies – The majority of insurers apply lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal. It’s possible to still find better rates by buying insurance from a different company.
• Only buy coverage you need – Policies have extra add-on coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like vanishing deductibles, towing coverage, and motor club memberships could be just wasting money. You may think they are a good idea at first, but if you don’t need them think about removing them and cutting costs.
• Save by driving safer cars – Cars with five star safety ratings get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your Audi A4 is rated at least four stars on Safercar.gov you are probably receiving a discount.
• Does auto insurance cost less for women? – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men tend to get into fender benders in similar percentages, but the males get into accidents with more damage. Men also get more serious tickets like DWI (DUI) or reckless driving.
• Small frequent claims are not good – Car insurance companies generally give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can definitely plan on higher rates. Your insurance policy is designed for larger claims.

When do I need an agent’s advice?

When buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you will benefit from professional help.

• Is my nanny covered when driving my vehicle?
• What happens if I owe more than my 2000 Audi A4 is worth?
• Should I rate my 2000 Audi A4 as pleasure use or commute?
• Is business property covered if stolen from my car?
• I have a DUI can I still get coverage?
• Is my camper covered by my car insurance policy?
• Am I covered if I hit a deer?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverage advertisements

Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the companies state the claim of big savings just by switching your insurance coverage policy to them. How does each company claim to save you money? It’s all in how they say it.

Insurance coverage companies have underwriting criteria for the right customer that earns them a profit. A good example of a profitable insured might be described as between the ages of 30 and 50, has few claims, and drives a vehicle with a low ISO rating. Any customer that meets those criteria will get the preferred prices as well as save when switching.

Insureds who cannot meet this ideal profile may receive more expensive rates with the end result being the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save money. That is how insurance companies can make the claims of big savings.

This really illustrates why it’s extremely important to compare free insurance coverage quotes often. It’s not possible to predict with any certainty which company will have the best car insurance rates for your profile.

Auto insurance 101

Understanding the coverages of auto insurance can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from auto insurance companies.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for dental work, nursing services and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include 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 doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This pays for damage to your A4 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Saving money makes a lot of cents

The cheapest 2000 Audi A4 insurance is available on the web as well as from independent agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. A few companies do not offer the ability to get quotes online and these regional carriers only sell coverage through independent insurance agents.

When buying insurance coverage, do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

To read more, link through to the following helpful articles:

• Choosing an Insurance Company (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Electronic Stability Control FAQ (iihs.org)