Compare 2013 Audi A4 Car Insurance Rates

Looking for the cheapest insurance rates? Shoppers have many options when shopping for the lowest priced Audi A4 insurance. They can either waste time struggling with agents to compare prices or utilize the internet to find the lowest rates.

There is a better way to buy insurance and we’ll show you the best way to price shop coverage for your Audi and obtain the best price possible from local insurance agents and online providers.

It’s important to price shop coverage before your policy renews since insurance rates change frequently. Despite the fact that you may have had the lowest rates for A4 coverage six months ago there may be better deals available now. There is a lot of bad information regarding insurance online, so with this article, you’re going to get some great ideas on how to slash your insurance rates.

If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. Vehicle owners only need to know the best way to find the lowest price online.

Are you getting all your discounts?

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked about before they will apply. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for A4 coverage than their less cautious counterparts.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount on insurance for A4 coverage.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce your premiums.

Car insurance companies that may offer these benefits may include but are not limited to:

Double check with each company which discounts you may be entitled to. Savings might not be offered everywhere.

Free Quotes for Auto Insurance

Getting a lower price on 2013 Audi A4 insurance doesn’t have to be difficult. You just need to take the time comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing a different quote to each individual auto insurance company. Filling out one form will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to shop for auto insurance online is to take the time to go to each company’s website and request a quote. For instance, let’s assume you want to compare Allstate, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest method to get comparison rates is to drive around to different agent offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. You can, however, price shop your coverage online and get advice from an agent in your area.

However you get your quotes, be sure to compare apples-to-apples quote information with every price quote. If you have higher or lower deductibles then you won’t be able to find the best deal for your Audi A4.

Audi A4 insurance rates are influenced by…

It’s important that you understand some of the elements that play a part in calculating your insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in big savings.

Shown below are some of the factors that factor into premiums.

  • High numbers of claims are not good – If you file claims often, you can expect either policy cancellation or increased premiums. Companies give lower rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Extra coverages can waste money – There are a lot of add-on coverages that you can buy when buying insurance coverage. Things like personal injury protection, towing coverage and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Marriage brings a discount – Getting married helps lower the price on your insurance coverage policy. It translates into being more responsible and statistics show being married results in fewer claims.
  • Your age impacts your rates – Youthful drivers are known to be less responsible behind the wheel so insurance coverage rates are higher. Parents adding a youthful driver onto your insurance coverage can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Rate your vehicle for proper use – The higher the mileage driven every year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based on their usage. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your A4 may be wasting your money. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle.
  • Poor driving leads to higher costs – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates compared to drivers with tickets. Just one speeding ticket can bump up the cost by twenty percent. Drivers who get flagrant violations like DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • No coverage gaps is important – Letting your insurance expire is a sure-fire way to increase your insurance coverage rates. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state department of motor vehicles.

Tailor your coverage to you

When choosing coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage?
  • Should I rate my 2013 Audi A4 as pleasure use or commute?
  • Does medical payments coverage apply to all occupants?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I get collision insurance on every vehicle?
  • Is my 2013 Audi A4 covered for flood damage?
  • What discounts do I qualify for?
  • Which is better, split liability limits or combined limits?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, fire damage, damage from a tornado or hurricane, damage from flooding and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, chiropractic care and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverage – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as structural damage, funeral expenses, medical services, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Money doesn’t grow on trees

We covered a lot of tips how to lower your 2013 Audi A4 insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a variety of reasons including policy cancellation, unfair underwriting practices, questionable increases in premium or even delays in responding to claim requests. Regardless of your reason, finding a great new company can be less work than you think.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

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