Save on 1999 Audi A4 Car Insurance Quotes

Searching for cheaper insurance rates for your Audi A4? Finding the lowest price for insurance can seem complicated if you’ve never compared online rate quotes. But don’t be discouraged because online price shopping is actually quite simple.

You should make it a habit to take a look at other company’s rates occasionally since rates are variable and change quite frequently. Even if you think you had the lowest price for A4 coverage two years ago a different company probably has better rates today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

The fastest way that we advise to compare insurance rates in your area is to realize all the major auto insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is give them rating details such as the type of vehicles you drive, whether or not you need a SR-22, if you went to college, and if it has an anti-theft system. That rating information is instantly submitted to multiple insurance providers and they provide comparison quotes almost instantly.

To start a quote now, click here and find out if lower rates are available.

Cut prices on 1999 Audi A4 insurance

Companies offering auto insurance don’t always list all available discounts very well, so here is a list both the well known and the more hidden ways to save on insurance.

  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Being a member of a professional or civic organization could trigger savings on your policy for A4 coverage.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for A4 coverage than their less cautious counterparts.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for A4 coverage with a few insurance companies.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

It’s important to note that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Car insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each company what discounts are available to you. Some discounts may not apply everywhere.

Tailor your coverage to you

When buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need an umbrella policy?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is UM/UIM insurance?
  • Why do I only qualify for high-risk insurance?
  • Does my 1999 Audi A4 need full coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Factors influencing Audi A4 insurance rates

It’s important that you understand some of the elements that help determine the price you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • Keep rates low by being claim-free – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance companies give discounts to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of larger claims.
  • Liability coverage is cheap – Liability insurance is the protection in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Consolidate policies to earn discounts – The majority of insurance companies provide better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.
  • Marriage brings a discount – Having a spouse actually saves money on your policy. It is viewed as being more mature and responsible and it’s proven that drivers who are married are more cautious.
  • More miles equals more premium – Driving more miles in a year’s time the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. An improperly rated A4 can cost quite a bit. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Do you need the policy add-ons? – There are a ton of additional coverages that you can get tricked into buying on your 1999 A4 policy. Coverages for personal injury protection, accidental death and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more money you have to pay, the lower your rates will be for A4 coverage.
  • Rates may be higher depending on your occupation – Occupations like doctors, business owners and accountants tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, jobs such as pilots, athletes and retirees have the lowest average rates for A4 coverage.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damage or injury you incur to other’s property or people. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, legal defense fees, structural damage, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, funeral costs and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

In the end, you save

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to discover later that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Consumers leave their current company for many reasons like being labeled a high risk driver, delays in responding to claim requests, high prices and even poor customer service. No matter why you want to switch, switching insurance coverage companies is less work than it seems.

Throughout this article, we presented a lot of information how to shop for 1999 Audi A4 insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Additional detailed information is available in the articles below: