Strategies for Getting the Cheapest Audi A4 Insurance Prices

No one looks forward to buying auto insurance, in particular when the cost is way too high.

With so many options, it can be impossible to find the best car insurance company.

Complexity of Audi A4 insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get big savings.

  • Rates may be higher depending on your occupation – Careers like real estate brokers, business owners and stock brokers tend to have the highest rates attributed to high stress and long work days. On the other hand, jobs such as pilots, students and the unemployed receive lower rates on A4 coverage.
  • Is your vehicle built for speed? – The type of car you drive makes a huge difference in how high your rates are. Since the Audi A4 falls in the passenger car class, insuring your vehicle will cost similar in price or lower compared to average rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
  • Small claims can cost you – Car insurance companies award discounts to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.
  • Bad driving skills means higher rates – Your driving record has a huge affect on how much you pay. Good drivers get better rates than people who have multiple driving citations. Only having one citation can increase rates by twenty percent. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Don’t overlook these discounts

Companies offering auto insurance do not list all available discounts very clearly, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Club Memberships – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance on A4 coverage.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on A4 coverage.
  • Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on A4 coverage with a few auto insurance companies.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

To choose companies offering auto insurance discounts, follow this link.

Are insurance agents obsolete?

Some consumers prefer to visit with an insurance agent and that is just fine! The best thing about getting online price quotes is you can get the best rates but also keep your business local.

By using this form (opens in new window), the coverage information is emailed to companies who will give you bids for your insurance coverage. There is no reason to leave your house since price quotes are sent to the email address you provide. How cool is that?! It’s the lowest rates and work with a local agent.

Choosing an insurance company should depend on more than just a cheap price. Some important questions to ask are: insurance prices

  • Does the agency provide any after hours assistance?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Did they already check your driving record and credit reports?
  • Which members of your family are coverage by the policy?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If you have an accident, will your rates go up?
  • Are you getting all the discounts the company offers?
  • Will their companies depreciate repairs to your car based on the mileage?

How to choose the best insurance agency

When searching for a good insurance agency, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either independent or captive.

Captive Insurance Agents

Captive insurance agents have only one company to place business with and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives receive extensive training on the products they sell which helps them compete with independent agents.

Independent Insurance Agents

Independent agents are not locked into one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When shopping rates, it’s a good idea to contact multiple independent agents to get the best comparison.

To view a full list of agencies, visit this site.

Upon receiving acceptable answers for all questions you ask and a low price estimate, you may have just found a car insurance agent that is a good match to service your policy.

The fine print in auto insurance ads

Auto insurance companies such as State Farm, Allstate and GEICO regularly use ads in print and on television. They all seem to make the same claim of big savings if you move to them. But how can every company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For instance, a preferred risk might be over the age of 40, a clean driving record, and has a high credit rating. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who fall outside the “perfect” profile will be charged more money which usually ends up with business not being written. The ads state “customers who switch” not “people who quote” save money. That is how companies can make those claims. That is why it’s extremely important to get as many quotes as possible. Because you never know which company will have the lowest rates.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from professional advice.

cheap insurance for Audi A4

  • Do I need added coverage for expensive stereo equipment?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when delivering products for my home-based business?
  • Is business equipment covered while in my vehicle?
  • At what point should I drop full coverage?
  • Is my Audi A4 covered for flood damage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Quote more, save more

Discount Audi A4 insurance can be purchased on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We just showed you a lot of techniques to get a better price on Audi A4 insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the smaller companies. These companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.