2017 Audi A4 Insurance Rates

Purchasing lower-cost car insurance over the internet can appear to be overwhelming for vehicle owners who are beginners to quoting and buying insurance over the internet. Since there are so many online companies available, how can vehicle owners effectively compare every possible option in order to find the cheapest rates?

It’s a great practice to compare rates on a regular basis since insurance prices change frequently. Even if you got the lowest rate on A4 insurance a couple years back there is a good chance you can find better premium rates now. There is a lot of bad information regarding car insurance on the web, but we’re going to give you some great ideas on how to save money.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. The purpose of this post is to tell you the best way to quote coverages and some tips to save money. But car owners need to learn the way insurance companies price online insurance because it can help you find the best coverage.

How to lower your insurance cost

When comparison shopping, there are several ways to compare rate quotes from lots of insurance companies. The best method to compare rates is to get quotes online. This can be accomplished in several different ways.

  1. The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This form keeps you from doing a different quote for each price estimate. Completing one form compares rates from multiple companies.It’s the quickest way to get rates.
  2. Another way to obtain and compare quotes online is spending the time to visit the website for each individual company and complete a new quote form. For instance, let’s assume you want comparison quotes from Auto-Owners, Farmers and Allstate. To do that, you would have to spend time going to each site individually and repeatedly enter your information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to price shop rates is to spend your day driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless your situation requires the professional abilities that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

It’s up to you which method you use, but double check that you are using exactly the same coverage data for each price quote. If the quotes have different limits and deductibles on each one it will be impossible to truly determine the lowest rate. Quoting even small variations in limits may result in a large different in cost. It’s important to know that comparing a large number of companies helps you find a lower rate. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices on coverage from those companies, too.

Insurance coverage buyers beware

Companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. All the companies try to convey promises about savings if you switch to their company. How does every company charge less that you’re paying now?

Many companies require specific criteria for the right customer that will generate a profit. A good example of a driver they prefer might have to be a mature driver, has other policies, and drives a car with an anti-theft system. Any person that hits that “sweet spot” will qualify for the lowest rates and will also save when they switch companies.

Potential insureds who are not a match for the ideal profile will probably be forced to pay more expensive rates which leads to the customer buying from a different company. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make those statements.

This really emphasizes why it’s extremely important to get insurance quotes from several different companies. It is just not possible to predict which insurance companies will have the best rates at this point in time.

Discount insurance coverage rates

Car insurance companies don’t always publicize every policy discount very clearly, so the list below contains both well-publicized and the harder-to-find insurance coverage savings.

  • Senior Citizens – If you’re over the age of 55, you may be able to get a slight reduction on a insurance quote on A4 insurance.
  • Data Collection Discounts – People who choose to allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Low Mileage Discounts – Low annual miles can earn lower prices on the low mileage vehicles.
  • Homeowners Savings – Owning a home can get you a discount because owning a home requires a higher level of personal finance.
  • Good Student – Being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Federal Government Employee – Active or former government employment can save as much as 8% on A4 insurance with a few insurance coverage companies.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Discount for Swiching Early – Some insurance coverage companies reward drivers for renewing your policy early. It could save around 10% when you buy insurance online.
  • Multiple Cars – Insuring more than one vehicle on the same insurance coverage policy can get a discount for every vehicle.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy a life policy as well.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, that’s just not realistic.

A list of insurance coverage companies and the discounts they provide are detailed below.

  • State Farm may include discounts for anti-theft, Steer Clear safe driver discount, Drive Safe & Save, good driver, safe vehicle, driver’s education, and passive restraint.
  • Farmers Insurance discounts include distant student, good student, electronic funds transfer, business and professional, switch companies, and youthful driver.
  • Geico has discounts for multi-vehicle, defensive driver, anti-lock brakes, membership and employees, daytime running lights, and emergency military deployment.
  • American Family may have discounts that include good driver, good student, early bird, defensive driver, bundled insurance, and mySafetyValet.
  • Nationwide offers discounts including multi-policy, family plan, Farm Bureau membership, business or organization, anti-theft, and defensive driving.
  • Progressive may offer discounts for good student, continuous coverage, online quote discount, multi-policy, and multi-vehicle.

Check with every company which discounts they offer. Depending on the company, some discounts may not apply everywhere. If you would like to choose from a list of providers who offer online insurance coverage quotes, click here to view.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • What is UM/UIM insurance?
  • Is motorclub coverage worth it?
  • What can I do if my company won’t pay a claim?
  • Are rock chip repairs covered?
  • Does my insurance cover a custom paint job?
  • When should I not file a claim?
  • Should I rate my 2017 Audi A4 as pleasure use or commute?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, theft and hitting a bird. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like dental work, chiropractic care and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2017 Audi A4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Affordable insurance is out there

Consumers leave their current company for a variety of reasons including policy cancellation, policy non-renewal, not issuing a premium refund and even high prices. Regardless of your reason, switching insurance coverage companies is not as hard as you think.

You just learned a lot of tips how to lower your 2017 Audi A4 insurance premium rates. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper insurance. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company.

Some insurance providers may not provide rate quotes online and these small, regional companies only sell coverage through independent agents. Cheaper insurance coverage can be bought online as well as from insurance agents, so you need to compare both to have the best rate selection.

Additional information is available on the following sites:

Comments About 2017 Audi A4 Insurance

  1. Judith Mccarthy

    If you don’t have tickets and live in the vicinity of Allentown, PA, check out 21st Century. You might get cheaper rates. Was with Eastwood. Hopefully won’t need it.

  2. Sheree Calderon

    Mine is so expensive. From south side of San Diego, CA. Quoted with American Family, Nationwide, and USAA for my Audi and saved about $440 a year. Insured with State Farm before.

  3. Napoleon Jacobs

    Is Progressive or State Farm cheaper in Biloxi, MS?

  4. Carl Daniel

    If you have a good history and are close to Warwick, RI, check out Progressive. You might get cheaper rates. Insured with Safeco before. Not sure if rates are cheaper online or through an agent.

  5. Pennie Parker

    Will Allstate cancel my policy for a liability claim?

  6. Jerrie Mercado

    Here’s my quote info. I live south of Fayetteville, AR. Compared rates from a lot of places. Saved right around $30 a month. 21st Century was the most affordable for me. Hopefully won’t need it.

  7. Sima Maldonado

    I’m in the suburbs of Cleveland, Ohio. Don’t remember every company but I ended up saving about $40 each month. I get lower rates because of my clean driving record. Not sure about claim service.

  8. Junko Foley

    I’ve bought from Allstate forever. Cheapest rates in Billings, MT.