Compare 2002 Audi A4 Insurance Cost

Searching for lower car insurance rates for your Audi A4? Locating low-cost insurance for an Audi A4 could be a lot of work, but you can use these tips to find lower rates.

There is a better way to buy car insurance so you’re going to learn the best way to compare rates for a Audi and obtain the cheapest rates from local insurance agents and online providers.

Finding affordable coverage is simple if you know the tricks. If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Drivers only need to know the tricks to compare prices on the web.

Which insurance coverage is cheapest?

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could waste time talking to insurance companies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company returns a rated price. This prevents consumers from doing quote forms to each individual insurance coverage company. To access this free quoting program, click to open in new window.

The single downside to comparing rates this way is you don’t know exactly which companies you want to price. So if you prefer to pick from a list of companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just be sure you’re using identical coverage limits and deductibles for each comparison quote. If you are comparing different liability limits you will not be able to determine the best price for your Audi A4.

Earn discounts to get lower-cost auto insurance quotes

Car insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so the following list contains a few of the more common and the more hidden credits that you can use to lower your rates.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on A4 coverage with a few auto insurance companies.
• Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you may reduce your total bill.

We need to note that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

The best auto insurance companies and some of the premium reductions they offer can be found below.

• The Hartford may offer discounts for air bag, anti-theft, defensive driver, vehicle fuel type, driver training, and good student.
• American Family discounts include multi-vehicle, defensive driver, good student, bundled insurance, and air bags.
• Progressive offers discounts including multi-policy, online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, and good student.
• Travelers includes discounts for driver training, student away at school, multi-policy, continuous insurance, home ownership, and payment discounts.
• Farmers Insurance offers premium reductions for teen driver, distant student, electronic funds transfer, bundle discounts, youthful driver, multi-car, and alternative fuel.
• USAA may have discounts that include multi-policy, safe driver, loyalty savings, vehicle storage, and driver training.
• Liberty Mutual offers discounts for new move discount, exclusive group savings, newly retired, preferred payment discount, good student, and teen driver discount.

Before you buy a policy, ask each company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your area. To find insurers that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

• Does my policy cover my teen driver if they drive my company car?
• Am I missing any policy discounts?
• Do I need roadside assistance coverage?
• Exactly who is provided coverage by my policy?
• Do I need rental car coverage?
• When can my company non-renew my policy?
• I have health insurance so do I need medical payments coverage?
• Does having multiple vehicles earn me a discount?
• Why am I required to get a high-risk car insurance policy?

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 want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Audi A4 insurance rate factors

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in big savings.

• Rental and towing coverage may not be needed – There are many extra coverages that can add up when buying auto insurance. Insurance for replacement cost coverage, towing, and term life insurance are examples of these. They may sound like good ideas when talking to your agent, but if you don’t need them consider taking them off your policy.
• Liability protection limits are a factor – A critical coverage on your policy, liability insurance will protect you if a jury decides you are liable for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Multi-policy discounts can save money – Many companies afford lower prices to buyers who have multiple policies with them, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you already get this discount, consumers should still compare other company rates to confirm you are receiving the best rates possible. It’s possible to still save more without the discount by buying from different companies
• Do you have a stressful occupation? – Did you know your career choice can influence rates? Occupational choices like military personnel, social workers and financial analysts tend to have higher average rates because of stressful work requirements and lots of time spent away from family. Conversely, jobs such as farmers, athletes and homemakers generally pay rates lower than average on A4 coverage.

Don’t listen to company ads

Consumers constantly see and hear ads for cheaper insurance coverage by Allstate, Geico and Progressive. All the ads advertise claims about how much you will save if you get a free car insurance quote and switch to their company.

How can each company make the same claim? This is how they do it.

Insurance providers have an ideal profile for the type of customer that will most likely be profitable. A good example of a profitable insured might have to be over the age of 50, has never had a policy lapse, and has excellent credit. Anyone that meets those criteria will get low rates and is almost guaranteed to save when switching.

People who do not fit the requirements will have to pay higher premiums which results in the customer not buying. The wording the ads use say “drivers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently make those claims.

This emphasizes why it’s extremely important to get car insurance quotes from several different companies. You cannot predict which insurance coverage company will have the lowest premium rates for your situation.

Auto insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays to fix your vehicle from damage 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 insurance covers things like driving through your garage door, scraping a guard rail, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, nursing services, surgery, funeral costs and chiropractic care. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage, medical services, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop Smart and Save

Budget-friendly insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer the ability to get quotes online and these small, regional companies only sell through independent agents.

Drivers change insurance companies for any number of reasons including policy non-renewal, high prices, unfair underwriting practices or even lack of trust in their agent. Whatever your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

When you buy car insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

For more information, take a look at the following helpful articles:

• Choosing a Car for Your Teen (State Farm)
• Rental Reimbursement Coverage (Allstate)
• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)