Compare 2003 Audi allroad quattro Insurance Rates

Trying to find cheaper insurance rates for your Audi allroad quattro? I doubt anyone likes paying for insurance, in particular when they are paying too much.

Because you have many insurance providers from which to choose, it can be impossible to choose the most affordable insurance provider.

You should take the time to quote other rates occasionally because rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on allroad quattro coverage a few years ago you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to find great coverage at a great price.

Insurance companies offer many types of discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before you get the savings. If you’re not getting every credit possible, you are just wasting money.

  • Discount for Home Ownership – Owning a house may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
  • Telematics Discount – Drivers who agree to allow their insurance company to spy on when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could save a few bucks as long as the data is positive.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up on the internet.
  • Discount for Swiching Early – Some insurance companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Professional Memberships – Being in a professional or civic organization may earn a discount when getting a insurance quote.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off on allroad quattro coverage with select insurance companies.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Large insurance companies and a partial list of their discounts are detailed below.

  • State Farm has savings for good student, driver’s education, Steer Clear safe driver discount, safe vehicle, and defensive driving training.
  • American Family may offer discounts for mySafetyValet, TimeAway discount, early bird, Steer into Savings, and air bags.
  • GEICO offers discounts including air bags, good student, five-year accident-free, multi-vehicle, military active duty, anti-theft, and driver training.
  • 21st Century offers premium reductions for early bird, driver training, homeowners, student driver, and 55 and older.
  • Progressive discounts include multi-policy, online quote discount, homeowner, online signing, multi-vehicle, continuous coverage, and good student.

It’s a good idea to ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in every state.

Why your insurance premiums might be higher

Consumers need to have an understanding of a few of the rating criteria that help calculate your insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that may reward you with lower rates. Many different elements are used when quoting car insurance. Some are obvious such as your driving record, but other criteria are less apparent such as your marital status and annual miles driven.

  • Insurance rates and employer – Did you know that where you work can have an impact on rates? Careers such as real estate brokers, social workers and accountants usually pay higher premium rates in part from high stress and long work days. On the other hand, occupations such as actors, students and performers get better rates on allroad quattro coverage.
  • Better premiums for uninterrupted coverage – Having a lapse in insurance coverage is a fast way to drive up your policy premiums. Not only will you pay more, not being able to provide proof of insurance will get you a license revocation or jail time. You will then be forced to file a SR-22 with your state motor vehicle department.
  • Traffic violations can be expensive – Your driving citation history has a huge affect on how much you pay. Even a single chargable violation can bump up the cost twenty percent or more. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have dangerous violations such as DUI or willful reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
  • Urban residents pay more – Living in less populated areas is a positive aspect if you are looking for the lowest rates. Drivers in populated areas regularly have much more traffic and more time behind the wheel. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • How old are your drivers? – More mature drivers are more cautious drivers, are lower risk to insure and receive fewer citations.Teen drivers tend to be less responsible with other occupants in the car so insurance rates are higher.
  • Policy add-ons may not be needed – Policies have additional coverages you can purchase when buying insurance. Insurance for things like rental car coverage, accidental death, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you don’t need them think about removing them and cutting costs.

Do I just need basic coverages?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight if you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I benefit by insuring my home with the same company?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Advertising myths

Companies like Allstate and Progressive regularly use ads on television and other media. They all make the same claim that drivers can save some big amount just by switching your car insurance policy to them. But how can every company offer drivers better rates?

Insurance companies look for specific characteristics for the type of driver that earns them a profit. An example of this type of driver might be described as over the age of 45, carries high limits, and has great credit. A propective insured who fits those characteristics will get low premium rates and therefore will save money with a new company.

Potential customers who fall short of these standards will probably have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “people who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently make it sound like they have such great premium rates. This really emphasizes why you absolutely need to compare free insurance quotes often. You cannot predict which company will give you the biggest savings.

Auto insurance 101

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on most car insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as doctor visits, surgery, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your allroad quattro caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a parking meter, rolling your car, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Shop. Compare. Save.

You just read a lot of ways to lower your 2003 Audi allroad quattro insurance car insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies can often provide lower premium rates in certain areas compared to the large companies like Allstate and Progressive.

When you buy insurance online, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage to discover at claim time that it was a big mistake. Your objective should be to buy enough coverage at the best price, but do not skimp to save money.

Additional detailed information can be found at these sites:

Comments About 2003 Audi allroad quattro Insurance

  1. Elisa Walton

    Cheaper car insurance is a myth. I’m in the east part of Spokane, WA. I got free prices from AIG Insurance, Sentry, and USAA for my Audi and saved about $70 a year. Left Allstate to switch. Even increased coverage a bit. Still almost need a second mortgage. Next renewal I’ll just do liability.

  2. Kati Fuller

    I live just outside Boston, Massachusetts. Got car insurance quotes from Amica, Sentry, and USAA for my 2003 Audi allroad quattro and I think I cut my rates about $20 each month. My new agent seems to be really good. :)

  3. Stacee Gamble

    I’ve bought from Allstate forever. Cheapest rates in Paterson, NJ.

  4. Tricia Calderon

    Does GEICO have good claim service?

  5. Esta Tyler

    Cheaper car insurance is a myth. Went with Liberty Mutual for my allroad quattro and am saving around $90 a year. I have a couple other vehicles on the policy. :) I don’t insure for physical damage though.

  6. Kimbery Watts

    Here’s what I found out. From east side of Fargo, North Dakota. Don’t remember every company but I ended up saving about $30 each month. I quoted rates online then called them. Next renewal I’ll just do liability.

  7. Eilene Chen

    Lots of good stuff here. Located in Saint Paul, Minnesota. Received quotes from American Family, Nationwide, and a few others for my Audi and I’m now saving $22 a month. I used their website to get prices. I only have liability coverage on it.

  8. Christin Huff

    Will GEICO cancel me if I have an accident?

  9. Dong Romero

    All companies are crooks. Quoted with Mercury for my Audi and saved around $100 a year. Teenage drivers are expensive! Highly recommended. I don’t put full coverage on it.

  10. Sol Mendez

    Enjoyed the article. Got a quote with 21st Century for my 2003 Audi allroad quattro and saved about $80 a year. Book value doesn’t justify full coverage anymore.

  11. Haywood Raymond

    Located in Newark, DE. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the best choice for me. Left Hanover to switch. They were helpful in switching over. Full coverage costs too much.

  12. Alysa Robinson

    From Grand Rapids, MI. Went online for free insurance quotes for a 2003 Audi allroad quattro. Ended up at about $70 savings annually. Went with Progressive. I don’t have comp or collision coverage.