2007 Audi A4 Insurance Rates

Have you had enough of scraping the payment together to insure your Audi every month? Your situation is no different than many other drivers. Companies like Allstate, Progressive and Geico all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

You need to check insurance prices every six months due to the fact that insurance rates fluctuate regularly. Just because you found the best price on A4 coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because we’re going to demonstrate how to use the internet to get good coverage at a lower rate.

How to Get Insurance Comparison Quotes

There are several ways you can shop for Audi A4 insurance but one way is less labor-intensive and much quicker. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.

Many of the larger companies participate in an industry program that enables customers to enter their policy data once, and each company then gives them pricing for coverage. This prevents consumers from doing quote forms to every company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose the companies to receive prices from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare the exact same coverage information for each comparison quote. If you compare different liability limits it will be impossible to make an equal comparison.

Why your Audi A4 might be costing you more

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better insurance coverage rates.

The list below includes some of the factors companies use to determine rates.

  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Careful drivers get better rates compared to drivers with tickets. Even one citation can boost insurance rates by twenty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Younger drivers pay higher rates – Young drivers are known to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
  • More people means more accidents – Living in a rural area has it’s advantages when buying insurance coverage. Lower population means reduced accidents and a lower car theft rate. Urban drivers tend to have congested traffic and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Do you need the policy add-ons? – There are many additional coverages that you can buy on your insurance coverage policy. Things like personal injury protection, towing coverage and motor club memberships may be costing you every month. They may seem good at first, but if you don’t need them remove them from your policy.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, architects and financial analysts have higher average rates in part from high stress and long work hours. Conversely, occupations such as actors, engineers and performers get better rates on A4 coverage.
  • Rate your vehicle for proper use – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage coverage is showing the proper vehicle usage. Incorrect usage on your A4 can cost quite a bit.
  • Never go without insurance – Not having insurance can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will your rates increase, getting caught without coverage will get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

How much can you save with discounts?

Car insurance companies do not list every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known ways to save on insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Student in College – Children who live away from home without a vehicle on campus can receive lower rates.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on A4 coverage with a few insurance companies.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.

Drivers should understand that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies that may have these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not be available in your area.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Is my teen driver covered when they drive my company car?
  • When can my company non-renew my policy?
  • How much liability insurance is required?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 2007 Audi A4

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Liability insurance

Liability coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like court costs, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield, fire damage, damage from getting keyed and hail damage. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like surgery, rehabilitation expenses, EMT expenses, chiropractic care and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi A4.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage protection

This covers damage to your A4 from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Shop. Compare. Save.

Cheaper 2007 Audi A4 insurance is possible both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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