Cheaper 2009 Audi A4 Insurance Rates

Sick and tired of not being able to afford each month for car insurance? You are in the same boat as most other car owners.

With so many choices of insurance companies, it is very difficult to find the best provider.

Factors that can influence Audi A4 insurance rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into your rates.

  • Pleasure use or commuting – The more miles you rack up on your Audi each year the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated A4 may be costing you. Make sure your car insurance policy properly reflects how each vehicle is driven.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as judges, executives and stock brokers are shown to have the highest rates due to high stress levels and long work days. On the other hand, occupations like actors, students and performers pay the least on A4 insurance.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • Car features impact rates – Driving a car with an alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you reside plays a part – Being located in less populated areas has it’s advantages when insuring your vehicles. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.

Compare Insurance Costs

There are multiple methods to compare 2009 Audi A4 insurance prices but some are less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each company can provide price quotes based on the submitted data. This eliminates the need for form submissions to every company.

To enter your information into the quoting system, click to open in new window.

The only drawback to using this type of system is you cannot specify which companies to receive prices from. So if you prefer to pick specific providers to compare, we have a listing of the cheapest insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you use exactly the same deductibles and coverage limits on every quote you get. If the quotes have different values for each quote it’s not possible to find the best deal for your Audi A4. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Take discounts and save

Car insurance companies don’t always list all available discounts very well, so we researched some of the more common and the more hidden discounts you could be receiving.

  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Drive Less and Save – Keeping the miles down on your Audi could qualify for lower rates on the low mileage vehicles.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts include:

Check with each insurance company how you can save money. Some discounts may not apply everywhere.

Which policy gives me the best coverage?

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. These are some specific questions can help discover if your situation will benefit from professional help.

  • Does my personal policy cover me when driving out-of-state?
  • Why do I only qualify for high-risk insurance?
  • Am I getting all the discounts available?
  • Is my 2009 Audi A4 covered for smoke damage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I really need UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, hail damage, vandalism and damage from a tornado or hurricane. The maximum payout 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.

Coverage for collisions

This coverage pays for damage to your A4 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Shop. Compare. Save.

As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where someone dropped physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to reduce 2009 Audi A4 insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Much more information about insurance is located at these links: