Cheaper 2016 Audi A4 Insurance Quotes

Want better insurance rates for your Audi A4? Paying for pricey Audi A4 insurance can dry up your savings account and maybe even restrict other spending. Comparison shopping is free and is an excellent way to cut your insurance bill.

Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It’s a good idea to check insurance prices on a regular basis because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best price for A4 insurance at your last renewal there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance is easy if you know what you’re doing. Although car owners benefit from understanding how companies market insurance on the web and take advantage of how the system works.

Compare free insurance coverage quotes

There are a variety of methods to compare insurance coverage quotes, but there is one way that is easier and takes less work. You can waste hours talking to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Many insurance companies belong to a marketplace where prospective buyers complete one form, and at least one company can provide price quotes based on that information. This eliminates the need for repetitive form submissions for every insurance coverage company. To compare rates now click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the insurers you want to price. So if you prefer to pick individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just do your best to use nearly identical deductibles and coverage limits for each price quote. If you compare higher or lower deductibles then you won’t be able to determine the lowest rate for your Audi A4. Slightly different insurance coverages or limits can make a big difference in price. And when price shopping your coverage, quoting more helps you find a better price. Not every company does prices over the internet, so you should also compare rates from them, too.

Discounts for lower-cost car insurance quotes

Car insurance is neither fun to buy or cheap, but you may qualify for discounts to cut the cost considerably. Certain reductions will be credited when you get a quote, but a few need to be asked about prior to receiving the credit.

  • Accident Free – Drivers who don’t have accidents pay less in comparison to accident-prone drivers.
  • Mature Driver Discount – If you’re over the age of 55, you may receive reduced rates for A4 insurance.
  • Homeowners Savings – Being a homeowner can get you a discount because it shows financial diligence.
  • Club Memberships – Affiliation with a civic or occupational organization is a simple method to lower premiums when getting a insurance coverage quote.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Discount for Low Mileage – Fewer annual miles on your Audi could earn better prices on cars that stay parked.
  • Paperwork-free – A few larger online companies will give you a small discount just for signing your application online.
  • Student in College – Older children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and a selection of discounts are:

  • Geico offers premium reductions for federal employee, military active duty, seat belt use, membership and employees, and defensive driver.
  • MetLife includes discounts for good driver, good student, defensive driver, claim-free, multi-policy, and accident-free.
  • Progressive offers discounts for multi-vehicle, multi-policy, good student, online quote discount, homeowner, and online signing.
  • Travelers has discounts for good student, home ownership, multi-policy, hybrid/electric vehicle, continuous insurance, driver training, and new car.
  • SAFECO may have discounts that include anti-lock brakes, accident prevention training, drive less, bundle discounts, and multi-car.
  • AAA may include discounts for anti-theft, AAA membership discount, good driver, good student, and multi-policy.

If you need low cost insurance coverage quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts, click this link.

You may need specialized insurance coverage

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Can I afford low physical damage deductibles?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to Mexico or Canada?
  • What is the rate difference between pleasure use and commuting?
  • Can I make deliveries for my home business?
  • Do I need added coverage for expensive stereo equipment?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a 2016 Audi A4

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Comprehensive insurance

This will pay to fix 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 coverage protects against things such as damage from a tornado or hurricane, fire damage, damage from flooding, hitting a deer and theft. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, prosthetic devices, doctor visits, rehabilitation expenses and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Audi A4.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles, attorney fees and structural damage. 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 collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. 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 in order to get cheaper collision rates.

Comments About 2016 Audi A4 Insurance

  1. Shelby Henderson

    Mine is so expensive. I live east of North Charleston, SC. Quoted with Amica, Esurance, and Nationwide for my A4 and I think I saved around $20 each month. Was with State Farm. I have kids on my policy, too.

  2. Genie Duke

    Hope my rates come down. I live in a small town just outside of Jacksonville, Florida. Got car insurance rates from Progressive, Hartford, and Farmers for my A4 and saved $370 a year. Insured with State Farm before. Thankfully I’m not a high risk driver.

  3. Joel Ryan

    If you have a good history and live near Rochester, NY, check out Allstate. You might get cheaper rates. Was with 21st Century. They have a lot of discounts available. I quoted rates online then called them.

  4. Myrl Hanson

    In Columbia, SC try Allstate or Progressive. Both had decent prices.

  5. Deanne Everett

    I’m looking for cheaper coverage. I’m from West Valley City, UT. Can’t remember who all I quoted but I ended up saving about $70 each month. Thankfully I have a good driving record.

  6. Mia Knowles

    Located in Paterson, NJ. I got free prices from The General, Auto-Owners, Sentry, and a couple others for my A4 and saved just over $370 a year.

  7. Jerry Boone

    If you have a good history and are close to Worcester, Massachusetts, check out Allstate. They seem to be cheaper. I’m a pretty good driver though. Still almost need a second mortgage.

  8. Elaine Macias

    I compared a lot of rate quotes for a 2016 Audi A4 in Des Moines, Iowa. Ended up at about $480 every six months with American Family. I have a couple other vehicles on the policy. It’s still not cheap enough.

  9. Neda Nixon

    Found cheapest coverage with Eastwood for my A4 and saved about $330 a year. I even had a DUI years ago. I used their online quote form to compare rates.

  10. Orville Raymond

    Cheap car insurance? What’s that? I live in Albuquerque, NM. Compared rates from a lot of places. Saved right around $60 a month. Progressive was the most affordable for me.

  11. Zachery Castillo

    Nice info. From Davenport, IA. Received rates from AIG Insurance, Safeco, and a few others for my Audi and saved just over $370 a year. Insured with USAA before. I have several vehicles insured with them.