Having to pay for pricey insurance can diminish your budget and put a big crunch on your finances. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate continually hit you with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.
Comparing insurance rates can be a lot of work if you don’t know the easiest way. You could spend your day talking to local insurance agents in your area, or you can utilize online quoting for quick rates.
Many of the larger companies belong to a marketplace that enables customers to complete one form, and each participating company can give them a price determined by their information. This prevents consumers from doing form submissions for each company you want a rate for. To find out what other companies charge click here to open in new window.
The single downside to doing it this way is you can’t choose which insurance companies you want pricing from. So if you want to select from a list of companies for rate comparison, we have a page of companies who write insurance in your area. Click here to view list.
It’s up to you which method you use, but ensure you are comparing the same coverage limits on every quote. If you have different liability limits it will be next to impossible to decipher which rate is best.
Some companies don’t always list the entire discount list in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.
To choose companies who offer free insurance coverage quotes, click here to view.
When it comes to choosing the best insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs will benefit from professional help.
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.
Lots of factors are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, but other criteria are not as apparent like your continuous coverage or how safe your car is.
Listed below are some of the major factors used by your company to calculate premiums.
Consumers can’t get away from ads for insurance savings by companies like Allstate and Progressive. All the companies make an identical promise that people will save if you just switch to them.
How can each company have lower policy pricing? It’s all in the numbers.
Many companies give the cheapest rates for the type of driver that will be a good risk. A good example of a profitable insured might be described as between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer that hits that “sweet spot” gets the lowest premium rates and will most likely save when they switch companies.
Insureds who don’t measure up to these standards may be forced to pay a higher rate and ends up with the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make the claims of big savings.
Because of these techniques, you absolutely need to get car insurance quotes as often as possible. It is just not possible to predict the company that will be your best fit.
Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.
Liability coverage – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like medical services, medical expenses, bail bonds, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as rock chips in glass, damage from getting keyed and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, chiropractic care, rehabilitation expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A4.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
When searching for cheaper car insurance quotes, you should never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability coverage limits only to regret they didn’t purchase enough coverage. Your goal should be to buy enough coverage at the best price, but do not skimp to save money.
We’ve covered a lot of information how to save on 2013 Audi A4 insurance. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the best car insurance rates are with the least-expected company. They may only write in your state and offer lower premium rates compared to the large companies like State Farm, Geico and Nationwide.
Some insurance providers do not offer online price quotes and many times these smaller companies provide coverage only through independent insurance agents. Discount 2013 Audi A4 insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture.
Additional information can be found below:
Got a quote with GEICO for my 2013 Audi A4 and saved around $420 a year. I got prices on the web.
I’ve bought from 21st Century forever. Cheapest rates in Las Vegas, NV.
How are claims handled by State Farm around Rockford, IL?
Not sure if this is cheap. Got a quote with Safeco for my Audi and saved around $500 a year. Was with Sentry.
Great site. I live just outside Dover, DE. I quoted with Progressive, Esurance, and GMAC for my A4 and saved $577 a year. Left AAA to switch. Still almost need a second mortgage.
I live just outside Springfield, MA. Checked online prices for a 2013 Audi A4. Ended up at about $330 savings annually. Went with 21st Century. Not sure if rates are cheaper online or not.
Liked the article. I live in Nampa, ID. Got car insurance quotes with The General, AAA, Safeco, and a couple others for my 2013 Audi A4 and I’m now saving $59 a month. Insured with Liberty Mutual before. I have a couple other vehicles on the policy.
I’ve had State Farm for years. I’m in Lexington, KY.
I got decent rates for a 2013 Audi A4 in Columbus, Ohio. Ended up at about $240 every six months with AIG Insurance. Insured with Liberty Mutual before.
Does Kentucky have minimum liability laws?