How Much Does 2012 Audi A4 Car Insurance Cost?

I doubt anyone looks forward to buying car insurance, especially when they know their premiums are through the roof. Popular companies such as State Farm and Geico all promote huge savings with ads and it is difficult to ignore the propoganda and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Finding affordable coverage is quite easy. Consumers only need an understanding of the most efficient way to shop their coverage around online.

Discounts for lower-cost insurance rates

Companies that sell car insurance don’t necessarily list every disount available very well, so we break down both the well known in addition to some of the lesser obvious discounts that may be available.

• Good Grades Discount – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Accident Waiver – Not a discount per se, but a few companies such as Allstate and Geico allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
• Good Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for A4 coverage than less cautious drivers.
• Own a Home and Save – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Senior Citizen Discount – Drivers over the age of 55 may qualify for a discount up to 10% for A4 coverage.
• Online Discount – Many companies will provide an incentive for signing up on your computer.

Remember that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears all the discounts add up to a free policy, you’re out of luck.

Some of the insurance companies who might offer most of these discounts possibly include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When quoting, ask every prospective company to apply every possible discount. Discounts might not be offered on policies in your area. To see insurance companies with the best insurance discounts, click here.

The method we recommend to compare insurance rates in your area is to understand most larger insurance companies provide online access to provide you with free rate quotes. The one thing you need to do is provide information such as driver ages, if it has an alarm system, whether you are single or married, and if your license is active. The rating information is then submitted to many of the top insurers and you will get price comparisons almost instantly.

To get price quotes for your 2012 Audi A4 now, click here and complete the quick form.

Components of your Audi A4 insurance rates

Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but some are less obvious like your continuous coverage or how safe your car is.Smart consumers have a good feel for some of the elements that help calculate the level of your policy premiums. If you have a feel for what determines base rates, this enables informed choices that can help you get better insurance coverage rates.

The list below includes a few of the “ingredients” that factor into rates.

• Raise your deductibles for better prices – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Audi. Some instances where coverage would apply are colliding with a building, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount the insured is willing to pay, the lower your rates will be for A4 coverage.
• Keep policy claims to a minimum – Auto insurance companies provide most affordable rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for the large, substantial claims.
• Poor credit rating equals high prices – An insured’s credit score will be a significant factor in determining your rates. People that have excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit. So if your credit is not that good, you could save money insuring your 2012 Audi A4 by improving your rating.
• Do females or males drive better? – Statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Men and women tend to get into at-fault accidents in similar percentages, but men cause more damage. Men also get more serious tickets like reckless driving and DUI.
• Don’t skimp on liability coverage – Your policy’s liability coverage will protect you in the event that a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
• Single drivers may pay more – Being married can actually save you money on your insurance coverage bill. Marriage translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
• Save money by eliminating add-on coverages – There are many extra add-on coverages that may not really be needed but may not be useful. Coverages like personal injury protection, accidental death, and membership fees may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but if you don’t need them eliminate them to save money.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

• Does my policy pay for OEM or aftermarket parts?
• Are split liability limits better than a combined single limit?
• Can I afford to buy a different vehicle if my 2012 Audi A4 is totaled?
• When do I need to add a new car to my policy?
• Can my teen driver be rated on a liability-only vehicle?
• At what point should I drop full coverage?
• Why do I need rental car insurance?
• What discounts do I qualify for?
• Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Brand name doesn’t guarantee savings

Consumers can’t avoid all the ads that claim the cheapest premium rates by Geico, State Farm and Progressive. They all make the point about how much you will save just by switching your coverage.

How can each company charge you a lower premium? You have to listen carefully.

Auto insurance companies quote their best rates for the driver that will add to their bottom line. An example of a profitable risk profile could possibly be between 30 and 50, owns their home, and chooses high deductibles. A customer getting a price quote that meets those criteria receives the best premium rates and will also pay quite a bit less when switching companies.

Consumers who fall outside those standards will have to pay more expensive rates and this results in business not being written. The trick companies use is to say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make those claims.

This illustrates why it is so important to do a price quote comparison at every renewal. It is just not possible to predict the company that will have the lowest car insurance rates for your situation.

Auto insurance 101

Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Collision coverage protection

This coverage will pay to fix damage to your A4 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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 a good idea. Usually these coverages are similar to your liability insurance amounts.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, structural damage and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, funeral costs, nursing services, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more, save more

Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agents. Cost effective 2012 Audi A4 insurance can be sourced from both online companies and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

We covered quite a bit of information on how to compare 2012 Audi A4 insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding low cost car insurance. Drivers may discover the best prices are with an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Helpful learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Think You’re a Safe Driver? (State Farm)