2000 Audi A4 Insurance Rates

Buyers have lots of choices when searching for the lowest priced Audi A4 insurance. You can either spend your time driving around to compare prices or save time using the internet to find the lowest rates.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for your Audi and locate the lowest possible price.

It’s a great practice to take a look at other company’s rates periodically because insurance rates change regularly. Even if you got the best price on A4 insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

The quickest way to get rate comparisons is to take advantage of the fact most of the larger companies provide online access to give free rates quotes. All consumers are required to do is provide a little information like if a SR-22 is required, how your vehicles are used, which vehicles you own, and the ages of drivers. That rating information is sent automatically to multiple companies and they return quotes almost instantly.

Is there deception in advertising?

Consumers constantly see and hear ads for car insurance savings from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise that you’ll save big if you move your policy.

How does each company claim to save you money?

All companies are able to cherry pick for the right customer they prefer to insure. A good example of a desirable insured could be over the age of 50, has no prior claims, and has great credit. A driver who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will have to pay higher rates and this can result in business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can make the claims of big savings.

Because of the profiling, you should quote coverage with many companies. It’s just too difficult to predict which insurance company will have the lowest Audi A4 insurance rates.

Audi A4 rate determination is complex

It’s important that you understand the factors that come into play when calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate rates.

  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If your Audi A4 is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like lawyers, social workers and financial analysts are shown to have higher average rates due to stressful work requirements and lots of time spent at work. Conversely, professions such as farmers, engineers and homemakers pay the least on A4 insurance.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • What are your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Audi. A few examples of covered claims are running into the backend of another car, damage from fire, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more expense you have to pay, the bigger discount you will receive on A4 insurance.
  • Multi-policy discounts can save money – Some auto insurance companies provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Cautious drivers pay less – Just one ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.

How to save on 2000 Audi A4 insurance

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be specifically requested before being credited. If you’re not getting every credit you deserve, you are throwing money away.

  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if you qualify.
  • Drive Less and Save – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on A4 insurance.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on A4 insurance than less cautious drivers.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.

Consumers should know that most discount credits are not given to the entire cost. Most cut individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What is the rate difference between pleasure use and commuting?
  • Do I need roadside assistance coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I drop full coverage on my 2000 Audi A4?
  • Is my 2000 Audi A4 covered for flood damage?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

This can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, emergency aid, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for dental work, pain medications, nursing services and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your A4 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Compare but don’t skimp

In this article, we presented a lot of techniques to compare 2000 Audi A4 insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a small mutual company.

Budget-conscious insurance is possible from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. Some car insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Consumers leave their current company for a variety of reasons including high prices, extreme rates for teen drivers, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

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