Compare 2014 Audi A4 Insurance Quotes

There isn’t a single person who likes having to buy auto insurance, especially when their premiums are through the roof. Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with fancy advertisements and it can be hard to avoid their marketing magic and take the time to shop coverage around.

You should take the time to check auto insurance prices every six months due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the best rates for A4 insurance a few years ago the chances are good that you can find a lower rate quote today. You can find a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.

Buy car insurance online

Finding cheap car insurance quotes isn’t really that difficult. The only thing you need to do is take time getting comparison quotes from online providers. This can easily be done by following the guidelines below.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison click to view form in new window. This quick form keeps you from doing repetitive form submissions for every prospective company. One quote request will return quotes from multiple low-cost companies.
  2. A more time consuming way to obtain and compare quotes online requires visiting each company’s website and request a quote. For instance, we’ll assume you need rates from Allstate, Esurance and American Family. To do that, you would have to take the time to go to each site and type in your information over and over, which is why first method is reommended.

    For a handy list of car insurance company links in your area, click here.

  3. If you have time to kill, the last method to shop rates is driving around to local insurance agencies. The fact that you can get quotes online eliminates the middleman unless you’re the type of person who wants the extra assistance that you can only get from talking to an agent. However, consumers can compare the best prices online but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent coverage data for every company. If the quotes have higher or lower deductibles you can’t possibly truly determine the lowest rate.

Save $464 a year? Really?

Drivers constantly see and hear ads that promise big savings by companies like State Farm and Allstate. They all have a common claim that drivers can save some big amount just by moving to them.

How can each company make the same claim? It’s all in the numbers.

All companies have specific guidelines for the type of driver that is profitable for them. An example of a profitable customer may be over the age of 40, has a clear driving record, and insures a new vehicle. Any person who matches those parameters will probably get the lowest premium rates and have a good chance to pay quite a bit less when switching companies.

People who do not fit those standards will probably have to pay a more expensive rate which results in the prospect going elsewhere. The ad wording is “customers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make the claims of big savings. Because every company is different, you really need to do a price quote comparison at every renewal. Because you never know with any certainty which company will fit you best based on your risk profile.

Save a ton with discounts

Companies offering auto insurance don’t always advertise their entire list of discounts very well, so the list below details both the well known and the harder-to-find credits that you can use to lower your rates.

  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles on the same car insurance policy can get a discount on all vehicles.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
  • No Claim Discounts – Insureds who avoid accidents and claims pay less as opposed to policyholders that have many claims.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • Anti-theft System – Cars optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
  • Paperwork-free – A handful of larger companies may give you up to $50 just for signing your application on the web.
  • Discount for Multiple Policies – When you have multiple policies and insure them with the same company you will save up to 20% off your total premium.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to choose from a list of providers with the best car insurance discounts, click here to view.

What is the best car insurance coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • How can I force my company to pay a claim?
  • Am I covered if I drive in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • What is an SR-22 filing?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my insurance pay for OEM parts?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Coverages available on your car insurance policy

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, theft, damage from a tornado or hurricane, vandalism and damage from flooding. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability – This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as funeral expenses, court costs, loss of income, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision – Collision insurance pays for damage to your A4 from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Saving money is sweet as honey

Cost effective 2014 Audi A4 insurance is possible on the web and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers do not provide price quotes online and most of the time these smaller companies sell through independent agencies.

We covered quite a bit of information on how to shop for 2014 Audi A4 insurance online. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the biggest savings come from a small mutual company. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm and Allstate.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Much more information about insurance coverage is located on the following sites:

Comments About 2014 Audi A4 Insurance

  1. Elvera Riggs

    This is too expensive. Live in Buffalo, NY. Got prices from Safeco, Farmers, GEICO, and AIG Insurance for my 2014 Audi A4 and saved about $430 a year. Hopefully won’t need it.

  2. Sidney Stafford

    I compared a lot of rate quotes for a 2014 Audi A4 in Newark, Delaware. Ended up at darn near $230 every six months with Amica. Insured with Amica before. I think they have home insurance too. Still almost need a second mortgage.

  3. Coreen Bryant

    Cheaper not always better. Live in the northern part of Charleston, WV. Got car insurance rates from Progressive, Auto-Owners, Eastwood, and Hanover for my 2014 Audi A4 and saved just over $500 a year. Even increased coverage a bit.

  4. Donnette Whitley

    Does State Farm do SR22s in Massachusetts?

  5. Victoria Galloway

    Allstate was cheapest for my 2014 Audi A4 in Grand Forks, North Dakota.

  6. Yong Curtis

    If you don’t have tickets and live near Henderson, NV, check out Allstate. They seem to be cheaper.

  7. Nelia Stone

    Does Allstate have good claim service?

  8. Yuonne Bryant

    Cheaper not always better. I live just to the west of Grand Rapids, MI. Got car insurance prices from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my A4 and I think I cut my rates about $50 each month. Wish I didn’t have to insure at all.

  9. Briana Swanson

    Does Progressive have low rates for teen drivers?