2007 Audi A4 Insurance Rates

Having to pay for expensive Audi A4 insurance can bleed your bank account and require stricter spending habits. Doing a price comparison can lower your rates and help to lower your monthly bill.

Since you have so many insurance companies to choose from, it is very difficult to choose the most affordable company.

It’s a good habit to compare rates occasionally because insurance coverage prices are rarely the same from one policy term to another. Even if you got the lowest quotes for A4 insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the easiest way to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. In a nutshell, anyone who is shopping for auto insurance most likely will be able to reduce their rates. But car owners must comprehend how big insurance companies price online insurance and use this information to your advantage.

Discounts for affordable auto insurance rates

Not many people think insurance is cheap, but there could be significant discounts that can help lower your rates. Many discounts should be triggered at the time of purchase, but a few must be specifically requested in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Lower Rates for Military – Being on active duty in the military can result in better premium rates.
• Safe Driver Discount – Drivers without accidents can save up to 40% or more on their auto insurance quote for A4 insurance than their less cautious counterparts.
• Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
• Early Switch Discount – A few insurance companies give discounts for signing up prior to your current policy expiring. You can save around 10% with this discount.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking a driver safety course could cut 5% off your bill if you qualify.
• New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for newer models.

You can save money using discounts, but most credits do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. But any discount should help reduce your policy premiums.

To choose insurers that offer many of these discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine if you could use an agent’s help.

• What can I do if my company won’t pay a claim?
• How high should my medical payments coverage be?
• Should I sign the liability waiver when renting a car?
• Do I need replacement cost coverage?
• Why do I only qualify for high-risk insurance?
• Will filing a claim cost me more?
• Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

The largest companies are not always cheapest

Respected companies like State Farm, Geico and Progressive constantly bombard you with ads on television and other media. They all say the same thing about savings if you switch your policy. How can each company give you a lower rate? This is the way they can do it.

All companies can use profiling for the type of customer that will most likely be profitable. For example, a desirable risk should be over the age of 40, has few claims, and does not commute to work. Anybody that matches those criteria will get a cheap rate quote and is almost guaranteed to save when they switch companies.

People who fall short of these stringent criteria may receive a more expensive rate and ends up with the customer not purchasing. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can lure you into getting a quote. Because of the profiling, it’s extremely important to get auto insurance quotes as often as possible. Because you cannot predict with any certainty which company will give you lower premium rates than your current company.

Insurance coverage breakdown

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for EMT expenses, dental work and nursing services. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, attorney fees, repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, hail damage and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi A4.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

In Summary

When getting auto insurance quotes online, do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price and still be able to protect your assets.

We covered many tips how you can compare 2007 Audi A4 insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper auto insurance. Drivers may discover the lowest car insurance rates are with an unexpected company. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or Geico.

Helpful resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)