Want cheaper car insurance rates for your Audi A4? Trying to find cheaper insurance for an Audi A4 could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for car insurance and you need to know the best way to quote coverages on a Audi and get the lowest price.
If you have a policy now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Locating cheaper auto insurance is simple if you know the tricks. Vehicle owners just need to understand the proper methods to compare prices online.
Companies that sell car insurance don’t list the entire discount list in a way that’s easy to find, so the below list has both well-publicized and the harder-to-find discounts you could be receiving when you buy car insurance online.
Don’t be surprised that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.
Some of the insurance companies that may offer policyholders these discounts include:
When quoting, ask every insurance company which discounts they offer. Some of the earlier mentioned discounts may not be available in your area.
Reducing your 2008 Audi A4 insurance rates is surprisingly easy. All that’s required is to spend a little time comparing rates to find the company with low cost car insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.
For a list of companies in your area, click here.
How you compare quotes is your choice, just do your best to enter identical information with each company. If you use unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Audi A4.
Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but others are less obvious like your vehicle usage or how safe your car is.
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help highlight whether you may require specific advice.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hail damage, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, doctor visits and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like damaging your car on a curb, driving through your garage door and rolling your car. 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 to get cheaper collision coverage.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Auto liability – This provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as repair costs for stationary objects, loss of income, repair bills for other people’s vehicles, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
We just showed you many ideas to lower your 2008 Audi A4 insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company.
Insureds switch companies for a variety of reasons including denial of a claim, delays in paying claims, an unsatisfactory settlement offer or even policy non-renewal. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.
Affordable 2008 Audi A4 insurance is available from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide price quotes online and usually these regional carriers sell through independent insurance agencies.
Thanks for putting this site together. Quoted with Allstate for my Audi and saved about $300 a year. Can still barely afford it.
I’m in Augusta, GA. I quoted with State Farm, Amica, Farmers, and The General for my 2008 Audi A4 and saved just over $250 a year. Left GEICO to switch. LOL
If you don’t have tickets and live near Albuquerque, NM, check out State Farm. You might save some money. Good savings if you bundle. Did it all online.
From a town just southwest of Wichita, Kansas and for me GEICO had the lowest quote.
I’m in the south part of Warren, Michigan. Checked online prices for a 2008 Audi A4. Ended up at about $180 savings annually. Went with 21st Century. Thankfully I’m not a high risk driver. They have free quotes online.
I live just to the south of Salt Lake City, UT. Quoted quotes with American Family, Encompass, and Sentry for my Audi and saved just over $280 a year. I increased coverages a little too. It never hurts to quote around.
Well-written and thought out article. From north side of Baltimore, MD. Quoted quotes from GMAC, American Family, Safeco, and a couple others for my A4 and I think I am saving around $70 each month. Insured with USAA before. Switched homeowners coverage too.
Found cheapest coverage with Farmers for my Audi and saved around $510 a year. Ask about discounts.
Are custom wheels covered by insurance?
Hope my rates come down. I live just to the south of Montgomery, AL. Got car insurance rates from 21st Century, Farmers, and Liberty Mutual for my 2008 Audi A4 and saved just over $450 a year. A clean driving record helps. Still almost need a second mortgage.
Lots of good stuff here. Live in Mobile, Alabama. Quoted with Allstate, AIG Insurance, and Esurance for my 2008 Audi A4 and I think I am saving around $60 each month. Insured with MetLife before. I get multi-vehicle and multi-policy discounts.
Great info, thanks for posting. I live on the south side of South Burlington, VT. Quoted rates from Progressive, Amica, and Esurance for my Audi and I’m now saving $62 a month. Left Erie to switch. Just waiting to see how claims go.