Cheap 2004 Audi A4 Car Insurance Rates

Trying to find cheaper auto insurance rates for your Audi A4? I can’t think of anyone who enjoys paying for auto insurance, especially knowing their premiums are too high. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest cost out there.

If you are insured now or need new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is not rocket science. Drivers only need to know the proper methods to compare rates online.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but less common discounts must be asked about before you will receive the discount. If you don’t get every credit available, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Own a Home – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing over the internet.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on A4 insurance than drivers with accident claims.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • Claim Free – Claim-free drivers pay much less compared to drivers who are more careless.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will cut your overall premium however.

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

Comprehensive Car Insurance Comparison

All the larger car insurance companies such as Progressive, Allstate and Geico quote prices for coverage on their websites. This process is pretty painless as you simply type in your coverage preferences into the quote form. Upon sending the form, their rating system automatically retrieves information on your driving record and credit history and returns a price quote based on many factors. Quoting online streamlines rate comparisons, but the work required to visit many different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this in order to find the lowest price.

The easy way to compare rates

The smarter way to find cheaper rates uses one form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it is rated and you can select any one of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and can result in significant savings.

To quickly find out what other companies charge, click here and input your coverage information. If you have your current policy handy, we recommend you replicate deductibles and limits exactly as they are listed on your policy. This makes sure you will get a price comparison for exact coverage.

Everyone needs different coverages

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • What happens if I owe more than my 2004 Audi A4 is worth?
  • Is a fancy paint job covered?
  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need higher collision deductibles?
  • Am I covered when pulling a rental trailer?
  • When should I not file a claim?
  • How do I insure my teen driver?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Collision protection

Collision insurance will pay to fix damage to your A4 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car, driving through your garage door, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, rehabilitation expenses, ambulance fees and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 things like hitting a bird, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Audi A4.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Power to the consumer

Cheaper 2004 Audi A4 insurance can be sourced both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We covered a lot of tips how to get a better price on insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the smaller companies. These companies often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Additional information can be read on the following sites: