2014 Audi A4 Car Insurance Rates – 7 Discounts for Best Quotes

Searching for the cheapest car insurance rates for your Audi A4? Tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other consumers.

Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer and get the definite lowest rate possible.

It’s smart to price shop coverage occasionally because prices change quite often. Just because you found the lowest price for A4 coverage on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the things you must know in order to get good coverage at a lower rate.

Comprehensive Insurance Comparison

To find the best insurance prices, there are several ways of comparing rate quotes from local insurance companies. The fastest way to find the cheapest 2014 Audi A4 insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The most efficient way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. A single, simple form will return price quotes direct from many companies.
  • A different way to get quotes online is going to the website for each individual company to complete their respective quote request forms. For example, we’ll pretend you want to compare USAA, Progressive and Geico. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples deductibles and coverage limits for every quote you compare. If each company quotes higher or lower deductibles it will be next to impossible to determine the best price for your Audi A4. Slightly different limits can make a big difference in price. And when comparing insurance rates, know that more quotes helps locate better pricing.

Save with discounts on Audi A4 insurance

Companies that sell car insurance don’t always list all their discounts very clearly, so the following is a list of both the well known and the more hidden auto insurance savings.

  • Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for A4 coverage with a few auto insurance companies.
  • Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Low Mileage – Fewer annual miles on your Audi can earn lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Homeowners Pay Less – Owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

It’s important to note that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of providers with discount auto insurance rates, click here.

Tailor your coverage to you

When buying coverage, there really is no one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • What happens if I owe more than my 2014 Audi A4 is worth?
  • Do I need roadside assistance coverage?
  • Does my insurance cover a custom paint job?
  • Should I have combined single limit or split liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

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 then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle, rock chips in glass and theft. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, funeral costs, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverages – This pays for damage to your A4 resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, hitting a mailbox, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. 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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as court costs, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

More effort can pay off

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

In this article, we presented a lot of techniques to lower your 2014 Audi A4 insurance rates. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with the smaller companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

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