View 2003 Audi A4 Car Insurance Rates

Drivers have many options when trying to find the best price on Audi A4 insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to compare rates for a Audi and obtain the lowest price.

If you have a current auto insurance policy or are looking for a new policy, you can use these tips to cut your premiums while maximizing coverage. This information will teach you the best way to quote coverages and some tips to save money. Vehicle owners only need an understanding of the best way to compare prices on the web.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Most are applied at the time of quoting, but a few need to be manually applied prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Accident Waiver – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Audi could qualify for better rates on cars that stay parked.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.

Drivers should understand that most discounts do not apply the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that possibly offer some of the above discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not apply in your state.

Where Can I Get Cheap Car Insurance?

Cutting your car insurance rates is actually quite simple. You just have to invest a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to get quotes is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate quote forms for each company you want a rate for. Taking the time to complete one form will return price quotes from several companies.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates requires a visit to each company’s website and request a quote. For example, we’ll assume you want to compare rates from Nationwide, Esurance and Progressive. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, ensure you are comparing apples-to-apples coverages and limits with each company. If you use mixed coverages then you won’t be able to determine the best price for your Audi A4.

How much car insurance do I need?

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • Do I have newly-aquired coverage?
  • Is my Audi A4 covered if I use it for business?
  • I have a DUI can I still get coverage?
  • Exactly who is provided coverage by my policy?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance 101

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, theft, vandalism and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your A4 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, rolling your car, backing into a parked car, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, ambulance fees, surgery and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. 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 only offered in select states and may carry a deductible

Liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as court costs, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2003 Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

In conclusion

You just learned a lot of techniques to compare 2003 Audi A4 insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with some of the lesser-known companies.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, poor customer service, policy non-renewal or high prices. It doesn’t matter why you want to switch finding a new company is actually quite simple.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many cases where an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance can be found at the links below