2005 Audi A4 Insurance Rates – 5 Tips to Save

Shoppers have options when shopping for low-cost Audi A4 insurance. They can either waste time contacting agents getting price quotes or leverage the internet to find the lowest rates. There are more efficient ways to find car insurance online and we’ll show you the quickest way to price shop coverage for your Audi and get the best price possible from both online companies and local agents.

You need to get comparison quotes every six months because rates change quite often. Just because you found the lowest premium rates for A4 insurance a year ago you will most likely find a better price today. Forget all the misinformation about car insurance because you’re about to learn how to use the internet to reduce your cost while improving coverage.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Drivers only need to know the tricks to compare rates online.

More discounts mean lower-cost premiums

Auto insurance companies do not list every discount in an easy-to-find place, so the list below gives a summary of a few of the more common and also the lesser-known credits available to you. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• Defensive Driver Discount – Successfully completing a course in safe driver could cut 5% off your bill and easily recoup the cost of the course.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
• Drive Safe and Save – Drivers without accidents can save up to 40% or more on their car insurance quote for A4 insurance as compared to drivers with claims.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.

We need to note that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic. Any qualifying discounts will help lower your policy cost.

For a list of companies that can offer you the previously mentioned discounts, click this link.

It’s not one size fits all

When choosing the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine whether you may require specific advice.

• Can my teen drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is covered by UM/UIM coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need motorclub coverage?
• What is medical payments coverage?
• Is my 2005 Audi A4 covered for flood damage?
• Are rental cars covered under my policy?
• Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi A4.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as attorney fees, court costs and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, funeral costs, surgery, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage pays for damage to your A4 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

A penny earned…

A few companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents. Cheaper auto insurance can be found online and also from your neighborhood agents, and you should be comparing both to have the best selection.

You just read a lot of techniques to shop for 2005 Audi A4 insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.

Drivers change insurance companies for a number of reasons such as policy non-renewal, extreme rates for teen drivers, lack of trust in their agent or even high prices. Whatever your reason, finding a new company is not as difficult as it may seem.

Even more information can be found in the articles below:

• Credit and Insurance Scores (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)