2001 Audi A4 Insurance Quotes

Looking for lower auto insurance rates for your Audi A4? Confused by the dozens of auto insurance companies? You have a lot of company. Consumers have so many options that it can easily become a challenge to compare prices.

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance rates go up and down regularly. Just because you had the lowest price on A4 insurance a few years ago there may be better deals available now. So block out anything you think you know about auto insurance because it’s time to teach you the right way to properly buy coverages and cut your premium.

Finding the best rates is quite easy. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Nevertheless, consumers must comprehend the methods companies use to determine prices and take advantage of how the system works.

Complexity of Audi A4 insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating your auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

Shown below are a few of the “ingredients” that factor into rates.

  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Audi A4 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Pleasure use saves money – The higher the mileage driven in a year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Autos that are left in the garage get more affordable rates than those used for commuting. An improperly rated A4 may be costing you. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle.
  • Being married can save on auto insurance – Being married helps lower the price on auto insurance. Having a significant other usually means you are more mature and statistics show married drivers get in fewer accidents.
  • Policy add-ons can waste money – There are many additional coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and term life insurance are some examples. They may seem good when talking to your agent, but if they’re wasting money remove them from your policy.

The fastest way that we advise to compare insurance rates in your area is to know the trick auto insurance companies have advanced systems to give you rate quotes. All you need to do is provide details including daily mileage, whether or not you need a SR-22, your general credit rating, and how your vehicles are used. Those rating factors is instantly submitted to multiple different insurance companies and they return rate quotes with very little delay.

Can you really save that much by switching?

Allstate, Geico and Progressive regularly use ads on TV and radio. All the companies make an identical promise about savings if you move your coverage to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of customer they prefer to insure. A good example of a desirable insured could be between 25 and 40, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t measure up to this ideal profile will have to pay higher premiums and this can result in business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the way they do. Because of the profiling, you need to get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Take advantage of discounts

Companies don’t always list every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance on A4 insurance.
  • Drive Less and Save – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way.

To see a list of insurance companies with the best auto insurance discounts, click here.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether or not you may require specific advice.

  • What exactly is covered by my policy?
  • How do I buy GAP insurance?
  • How much liability insurance is required?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving in Canada or Mexico?
  • What is high-risk coverage and where do I buy it?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance specifics

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, prosthetic devices, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, fire damage, hitting a deer, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage will pay to fix damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, crashing into a building, colliding with another moving vehicle, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2001 Audi A4.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Best coverage at the best price

You just learned a lot of ways to save on 2001 Audi A4 insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with some of the smallest insurance companies.

When shopping online for insurance, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

The cheapest insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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