2008 Audi A4 Car Insurance Quotes – 6 Policy Discounts

Want lower insurance rates for your Audi A4? Are you a victim of high-priced insurance? Trust us, there are many people just like you.

Drivers have so many auto insurance companies to choose from, and even though it’s nice to have a choice, so many choices can make it hard to find a good deal.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to reduce your rates substantially using these tips. Nevertheless, vehicle owners should learn the methods companies use to market on the web because it can help you find the best coverage.

Policy discounts you shouldn’t miss

Auto insurance companies do not list every available discount very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Paperless Signup – Some insurance companies will give a small break just for signing your application over the internet.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% on A4 coverage.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

For a list of providers with the best car insurance discounts, follow this link.

Insurance agents can help

When buying proper insurance coverage, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • How do I buy GAP insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • If my 2008 Audi A4 is totaled, can I afford another vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • When can I cancel my policy?
  • Am I getting all the discounts available?
  • Why do I only qualify for high-risk insurance?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance myths debunked

State Farm, Geico and Progressive regularly use ads on TV and radio. All the companies have a common claim that you’ll save big if you move to their company. How do they all make the same claim? This is how they do it.

All the different companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Drivers who don’t qualify for this ideal profile must pay higher prices which leads to the customer not buying. The ads say “customers who switch” not “people who quote” save that much. That’s the way insurance companies can state the savings. This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Audi A4 insurance rates.

Car insurance 101

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Liability coverages – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Due to the fact that many drivers 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 important protection for you and your family.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses for things like prosthetic devices, hospital visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your A4 resulting from a collision 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 can pay for claims like rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, theft, hitting a bird, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Find Good Coverage for Less

The cheapest 2008 Audi A4 insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, you should never reduce coverage to reduce premium. Too many times, an insured cut full coverage and learned later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price.

Additional information