Save on 2003 Audi A4 Insurance Quotes

Having to pay for pricey insurance coverage can eat up your funds and force you to cut corners elsewhere. Comparing cost estimates is recommended to slash your bill and have more diposable income.

Popular companies such as Geico, Farmers Insurance and State Farm promote their brand names with catchy ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know the best way to shop for insurance over the internet.

Informed consumers save money

Consumers need to have an understanding of a few of the rating criteria that help determine the price you pay for auto insurance. When you understand what determines base rates, this allows you to make educated decisions that can help you get better auto insurance rates. Lots of factors are part of the calculation when you get your auto insurance bill. Some are obvious like an MVR report, although some other factors are more obscure such as your marital status or your vehicle rating.

The items below are just a few of the factors used by companies to determine your rates.

• Vehicles with better crash test results means better prices – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles reduce the chance of injuries and fewer injuries means less claims paid which can mean better rates for you.
• Prevent theft and save – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
• Decrease premiums by maintaining coverage – Having a gap between insurance policy dates is a sure-fire way to increase your rates. In addition to paying higher premiums, getting caught without coverage may earn you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Marriage can lower prices – Having a significant other actually saves money on your auto insurance bill. Having a spouse is viewed as being more mature and statistics prove married drivers get in fewer accidents.
• Car plus home equals more savings – Some companies provide lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other insurance prices to make sure you are getting the best deal.

Where can I get affordable car insurance?

Cutting your car insurance rates is a fairly straight forward process. Consumers just need to invest a little time comparing rates online with multiple companies. This can be accomplished using a couple different methods.

1. The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating separate quotation requests for every car insurance company. In just a few minutes this one form gets you coverage quotes from multiple companies.
2. A slightly less efficient method to compare prices consists of going to each company website and repeat the quote process again and again. For examples sake, we’ll pretend you want to compare rates from Allstate, Esurance and Farmers. To find out each rate you need to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time. For a list of companies in your area, click here.
3. The least recommended method to get rate quotes is to waste gas driving to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you have a need for the professional abilities of a licensed agent. Drivers can compare the best prices online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but try to use nearly identical coverage limits and deductibles on every quote. If the quotes have higher or lower deductibles you can’t possibly get a fair rate comparison.

Verify you’re applying every discount

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts that you may not even be aware of. Certain reductions will be credited when you get a quote, but less common discounts must be asked about in order for you to get them.

• Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper because new vehicles have to meet stringent safety requirements.
• Paperless Signup – A few auto insurance companies give back up to $50 simply for signing over the internet.
• Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% for A4 insurance with some auto insurance companies.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Libery Mutual, Geico and Allstate will forgive one accident before your rates go up if you have no claims before the accident.

Just know that many deductions do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are:

• State Farm includes discounts for driver’s education, defensive driving training, accident-free, anti-theft, multiple policy, passive restraint, and Steer Clear safe driver discount.
• Geico may have discounts that include good student, anti-theft, driver training, anti-lock brakes, daytime running lights, and multi-policy.
• Liberty Mutual has discounts for teen driver discount, multi-car, new vehicle discount, good student, and new move discount.
• The Hartford offers discounts for anti-theft, air bag, bundle, defensive driver, good student, vehicle fuel type, and driver training.
• MetLife may include discounts for good driver, accident-free, multi-policy, claim-free, and defensive driver.
• Progressive has savings for online signing, continuous coverage, online quote discount, multi-vehicle, and multi-policy.

If you want the cheapest insurance quotes, ask every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in every state. If you would like to choose from a list of insurers who offer online auto insurance quotes, follow this link.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether you might need an agent’s assistance.

• Is a fancy paint job covered?
• Is there coverage for injuries to my pets?
• Am I getting all the discounts available?
• How can I get high-risk coverage after a DUI?
• What exactly is covered by my policy?
• Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, you might consider 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 It’s fast, free and can help protect your family.

Auto insurance coverages explained

Knowing the specifics of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Auto liability – Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident 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 a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as medical services, court costs, repair bills for other people’s vehicles, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Audi A4.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, nursing services and dental work. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

You can do this!

We just showed you some good ideas how you can get a better price on 2003 Audi A4 insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Some insurance providers may not offer online rate quotes and these smaller providers work with local independent agencies. Budget-conscious 2003 Audi A4 insurance can be sourced from both online companies and with local insurance agents, so compare prices from both to have the best rate selection.

Much more information about auto insurance is available on the following sites:

• All About Airbag Safety (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Insurance Losses by Make and Model (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)