1997 Audi A4 Car Insurance Cost

Trying to find lower car insurance rates for your Audi A4? Are you a victim of overpriced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

You have so many insurance companies to choose from, and even though it’s nice to have a choice, so many choices can make it hard to find the lowest cost provider.

You should make it a habit to shop coverage around at least once a year since insurance rates trend upward over time. Even if you think you had the best rates for A4 coverage a few years ago a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

How to Get Auto Insurance Comparison Quotes

Effectively comparing auto insurance prices is a ton of work if you don’t understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company then gives them pricing based on that information. This eliminates the need for quotation requests to each individual auto insurance company.

To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose the providers to get pricing from. If you prefer to choose individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverages and limits with every price quote. If the quotes have different liability limits you will not be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. Just keep in mind that comparing more company’s prices provides better odds of finding the best offered rates.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions could help you determine if you could use an agent’s help.

• Does my personal policy cover me when driving out-of-state?
• Am I covered when driving in Canada or Mexico?
• Does having multiple vehicles earn me a discount?
• Should I buy additional glass protection?
• Do I get a pro-rated refund if I cancel my policy early?
• Can my babysitter drive my car?
• Is business equipment covered while in my vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why does it cost so much to insure a teen driver?
• Can I rent a car in Mexico?

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 an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, vandalism and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, repair costs for stationary objects, funeral expenses, court costs and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverages – Collision coverage pays for damage to your A4 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills for EMT expenses, ambulance fees, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A4.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.