2008 Audi A4 Insurance Quotes

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.

Get lower-cost rates with these insurance discounts

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.

• Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally up to age 25.
• Include Life Insurance and Save – Larger insurance carriers have lower prices if you buy some life insurance too.
• Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
• Low Mileage Discounts – Driving less can qualify you for substantially lower premium rates.
• Professional Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
• Multi-car Discount – Purchasing coverage when you have several vehicles with the same insurance company can reduce the rates for all insured vehicles.
• One Accident Forgiven – Not really a discount, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

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:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When quoting, ask every insurance company which discounts they offer. Some of the earlier mentioned discounts may not be available in your area.

Free auto insurance price quotes

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.

1. Probably the best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do repetitive form entry for each company. One form submission gets insurance cost estimates from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
2. Another way to shop for auto insurance online requires visiting the website of each company and repeat the quote process again and again. For example, we’ll assume you want to view quotes from Farmers, 21st Century and Allstate. To find out each rate you need to go to every website to enter the same coverage data repeatedly, and that’s why the first method is more popular.

   For a list of companies in your area, click here.

3. The least efficient and most time consuming way to price shop rates is to spend time driving to insurance agents’ offices. Quoting and buying insurance online reduces the need to sit down with an agent unless you want the peace of mind of a licensed agent. Drivers can get the lowest quotes online and get advice from an agent in your area.

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.

You can change your insurance prices

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.

• Liability risk factors in – Your policy’s liability coverage will protect you if ever you are determined to be liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not cut corners here.
• Insure your auto and home with one company – The majority of insurance companies afford better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even with this discount applied, it’s still a good idea to check prices from other companies to confirm you are receiving the best rates possible.
• Battle of the sexes – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women are in fender benders at a similar rate, but the men have accidents that have higher claims. Men also statistically receive more costly citations such as DWI and reckless driving.
• Optional features impact prices – Buying a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
• Annual mileage impacts prices – The more you drive your Audi in a year the higher the price you pay to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles left parked in the garage qualify for better rates than those used for commuting. Having the wrong rating on your A4 may be costing you. It’s a good idea to make sure your declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money.
• Your address can modify costs – Residing in less populated areas has definite advantages if you are looking for the lowest rates. Lower population means less chance of accidents. Drivers who live in large cities regularly have more road rage incidents and longer commutes to work. More time on the road means higher likelihood of an accident.

Insurance can get complicated

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.

• Do I need replacement cost coverage?
• Is my nanny covered when driving my vehicle?
• Is my state a no-fault state?
• What exactly is covered by my policy?
• Does coverage extend to my business vehicle?
• I don’t drive much so do I pay less?
• Do I need added coverage for expensive stereo equipment?

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.

Auto insurance coverage basics

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.

Shop around and save

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.

Helpful resources

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)