2004 Audi A4 Car Insurance Cost

Trying to find the cheapest insurance rates for your Audi A4? Are you drained from trying to scrape together enough money to pay insurance each month? You’re in the same situation as the majority of other consumers. Companies like State Farm, Progressive and Geico continually hit you with ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Consumers need to do price comparisons yearly due to the fact that insurance rates trend upward over time. If you had the best premium rates on A4 insurance a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn how to use the internet to remove unneeded coverages and save money.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to learn the most effective way to get comparison rates online.

Use discounts to get cheaper insurance coverage rates

Some companies do not advertise the entire discount list very well, so the list below details some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Home Ownership Discount – Simply owning a home can help you save on insurance coverage because maintaining a house is proof of financial responsibility.
  • Save with a New Car – Putting insurance coverage coverage on a new car can cost up to 25% less because newer vehicles keep occupants safer.
  • Memberships – Belonging to qualifying employment or professional organizations can get you a small discount when getting a auto insurance quote.
  • Drive Less and Save – Driving fewer miles could be rewarded with substantially lower rates.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies and their possible discounts are included below.

  • Geico discounts include anti-theft, federal employee, driver training, defensive driver, military active duty, and membership and employees.
  • Mercury Insurance may have discounts that include good driver, multi-car, type of vehicle, accident-free, annual mileage, and low natural disaster claims.
  • Farmers Insurance has discounts for bundle discounts, business and professional, mature driver, youthful driver, pay in full, and teen driver.
  • Auto-Owners Insurance offers discounts including air bags, multiple vehicles, multi-policy, safe vehicle, student away at school, safe driver, and teen driver.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, new move discount, newly married, teen driver discount, safety features, good student, and hybrid vehicle.
  • SAFECO may include discounts for accident prevention training, teen safety rewards, drive less, multi-car, and safe driver.
  • Progressive has savings for continuous coverage, online quote discount, multi-policy, good student, online signing, multi-vehicle, and homeowner.
  • USAA offers premium reductions for vehicle storage, loyalty savings, defensive driver, multi-policy, driver training, and military installation.

If you need lower rates, check with every company the best way to save money. Some discounts might not be available to policyholders in every state. If you would like to choose from a list of companies that offer multiple discounts, click this link.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions might point out whether your personal situation might need professional guidance.

  • What if I owe more than I can insure my car for?
  • I have a DUI can I still get coverage?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need added coverage for expensive stereo equipment?
  • How high should my medical payments coverage be?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverages for an Audi A4

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Liability coverages

Liability coverage protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for things like nursing services, chiropractic care, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Affordable insurance is out there

Cheaper 2004 Audi A4 insurance can be purchased both online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have the ability to get quotes online and these smaller companies work with independent insurance agencies.

We’ve covered many ideas to get a better price on 2004 Audi A4 insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest auto insurance. Consumers may even find the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

More information is located at the links below

Comments About 2004 Audi A4 Insurance

  1. Natalya Justice

    Does 21st Century have good customer service?

  2. Willia Elliott

    Thought I’d throw in my experience. I live in Evansville, IN. Quoted prices from MetLife, Esurance, State Farm, and American Family for my Audi and I think I saved around $20 each month. Left Erie to switch.

  3. Fredric Cash

    Does Progressive insure after a DUI?

  4. Alfredo Frost

    I live in a small town just outside of Cedar Rapids, IA. Got free quotes online for a 2004 Audi A4. Ended up at about $110 savings annually. Went with State Farm. They offer free online rate quotes.

  5. Janyce Avery

    Checking in from Salt Lake City, Utah. Received quotes with AAA, Nationwide, and some smaller one I can’t remember the name of for my Audi and saved just over $100 a year. Can still barely afford it. Anyone else drop full coverage?

  6. Ashli Ratliff

    Live in the eastern part of Raleigh, NC. Quoted rates from Amica, Safeco, and Western Auto Insurance for my Audi and I think I am saving around $20 each month.

  7. Taisha Becker

    Why are claims settled so low?

  8. Jayna Whitfield

    I got decent rates for a 2004 Audi A4 in Las Cruces, New Mexico. Ended up at right around $90 every six months with American Family. I think they have home insurance too. LOL

  9. Ching Chaney

    I’m looking for cheaper coverage. I live in Bismarck, North Dakota. Not sure of all the companies but I ended up saving about $10 each month. Insured with Nationwide before. Have a couple speeding tickets too.

  10. Austin Gomez

    Cheap is relative. Quoted with Sentry for my A4 and saved about $70 a year. I have kids on my policy, too.

  11. Van Burt

    I live south of Columbus, Ohio. I compared lots of rates. Saved roughly $30 a month. Allstate was the cheapest option for me. Hardly afford to drive anymore. Anyone else drop full coverage?

  12. Laurence Greene

    I live just to the west of Fargo, North Dakota. I quoted with GEICO, AAA, and some I forget for my 2004 Audi A4 and I think I cut my rates about $20 each month.

  13. Katrice Love

    I got a good deal I think. I live west of Warwick, Rhode Island. Received quotes from Amica, Mercury, and some smaller one I can’t remember the name of for my A4 and saved just over $110 a year. I’m a pretty low risk driver. They were helpful in switching over. Just liability coverage since it’s getting old.