2011 Audi A4 Insurance Rates

Searching for the cheapest auto insurance rates for your Audi A4? Have you finally had enough of not being able to afford to keep your car insured? You are in the same boat as the majority of other people.

You have so many auto insurance companies to pick from, and though it is a good thing to have a selection, too many choices makes it more difficult to get the best deal.

The fastest way that we advise to compare rate quotes is to realize all the major auto insurance companies actually pay money for the chance to quote your coverage. The one thing you need to do is take a few minutes to give details like how much school you completed, if you have an active license, how many miles driven, and whether you are single or married. Your insurance information is automatically sent to all major companies and you get price estimates within a short period of time.

Do you qualify for discount auto insurance?

Some insurance providers don’t always advertise all disounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts that you may qualify for.

• Active Military Service – Having an actively deployed family member could trigger a small discount.
• Early Switch Discount – Some companies reward drivers for signing up before your current expiration date. It can save you around 10%.
• Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
• Claim-Free Discount – Claim-free drivers can earn big discounts when compared with policyholders that have many claims.
• Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn up to 20% off your total premium.
• Memberships – Joining qualifying employment or professional organizations could qualify you for a break on auto insurance.
• E-sign – A few companies will give you a small discount simply for signing on the web.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower premium rates on the low mileage vehicles.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if offered at their school.

As a sidenote, most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will help reduce your auto insurance premiums.

A few companies that may have some of the discounts shown above may include but are not limited to:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Check with each insurance company to give you their best rates. A few discounts might not be available to policyholders in your area. For a list of companies with significant discounts, click this link.

Informed consumers save every year

Multiple criteria are used when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are more transparent such as your credit history or how financially stable you are.Smart consumers have a good feel for the rating factors that come into play when calculating your premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with lower premium levels.

• Certain occupations raise rates – Occupational choices like fire fighters, executives and emergency personnel are shown to have higher premium rates in part from intense work situations and incredibly demanding work hours. Other professions such as professors, engineers and the unemployed generally pay rates lower than average on A4 coverage.
• Always keep your auto insurance in place – Not maintaining insurance is illegal and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance could result in fines or a revoked license.
• Deter theft and pay less – Selecting a car model with an alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft.
• Vehicles with better crash test results cost less to insure – Safer cars are cheaper to insure. Highly rated vehicles protect occupants better and fewer serious injuries means less claims paid and thus lower rates.
• Younger vs. experienced drivers – More experienced drivers have been proven to be more responsible, are lower risk to insure and are safer drivers.Inexperience drivers are proven to be less responsible when driving with friends so auto insurance rates are higher.
• Raising coverage deductibles lowers rates – Physical damage protection, aka comp and collision, covers damage that occurs to your Audi. A few examples of covered claims are a windshield shattered by a rock, hail damage, and rolling your vehicle. The deductibles you choose are the amount of money you are required to spend before a claim is paid by your company. The more money you have to pay, the bigger discount you will receive on A4 coverage.
• Avoid unnecessary extra policy coverages – There are many optional add-on coverages that can add up when buying auto insurance. Things like coverage for rental cars, towing, and motor club memberships are probably not needed. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
• How much liability do you need? – The liability coverage on your policy will provide protection if you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.

What insurance coverages do I need?

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• What is no-fault insurance?
• Is a fancy paint job covered?
• Do I get a pro-rated refund if I cancel my policy early?
• Does insurance cover tools stolen from my truck?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered when driving on a suspended license?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered if my car is in a flood?
• If my 2011 Audi A4 is totaled, can I afford another vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Advertising myths

Insurance companies such as Progressive, Geico, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to seem to make the promise that drivers will save a bundle if you get a free auto insurance quote and switch to their company. How do they all make almost identical claims? Just pay attention to how they say it.

All the different companies are able to cherry pick for the right customer that makes them money. A good example of a driver they prefer may be a mature driver, has other policies, and drives a lower-performance vehicle. Any customer that hits that “sweet spot” receives the best premium rates and will save quite a bit of money when switching.

People who cannot meet the requirements will get a higher rate with the end result being the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” save the amount stated. That is how companies can make claims that they all have the best premium rates. This really drives home the point why it is so important to get auto insurance quotes from several different companies. It’s just too difficult to predict which insurance company will fit your personal profile best.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision protection

This will pay to fix damage to your A4 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, rolling your car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, a tree branch falling on your vehicle, vandalism, falling objects and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, legal defense fees, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like doctor visits, ambulance fees, hospital visits, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Have the Midas touch

As you quote auto insurance, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best possible price.

In this article, we covered many ways to get a better price on 2011 Audi A4 insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower auto insurance rates in certain areas compared to the large companies like Progressive and Geico.

There are still a few companies who do not provide rates over the internet and these regional carriers work with local independent agencies. Lower-priced 2011 Audi A4 insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

More information is available below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Teen Driver Licensing Information (iihs.org)
• Side Impact Crash Tests (iihs.org)