How Much Does 2017 Audi A4 Insurance Cost?

Trying to find lower car insurance rates for your Audi A4? Are you confused by the dozens of car insurance companies? Many other drivers are as well. People have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

Consumers need to get comparison quotes periodically since insurance rates change quite often. Even if you think you had the best price for A4 coverage a year ago you can probably find a better price now. You can find a lot of misleading information regarding car insurance on the internet, so with this article, you’re going to get some great ideas on how to buy car insurance cheaper.

How to Lower Your Car Insurance Cost

There are several ways to compare rate quotes from different insurance companies. The best way to compare 2017 Audi A4 insurance prices is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for repetitive form entry for every car insurance company. Just one form will get you price quotes from many national carriers. Just one form and you’re done.
  2. A more time consuming way to analyze rates is going to each company website and complete a new quote form. For instance, let’s say you want comparison quotes from USAA, Farmers and Geico. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you’re using apples-to-apples coverage limits and deductibles for every company. If your comparisons have different limits and deductibles on each one it’s not possible to find the best deal for your Audi A4. Having just a slight variation in coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies helps you find lower pricing.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Most are applied when you purchase, but a few must be specially asked for before you will receive the discount.

  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Paperwork-free – Certain companies may give you up to $50 for buying your policy on their website.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for A4 coverage than their less cautious counterparts.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

Companies that possibly offer these benefits may include but are not limited to:

Check with each company how you can save money. Some discounts may not be available in your area.

Everyone needs different coverages

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Should I drop comprehensive coverage on older vehicles?
  • Is there coverage for injuries to my pets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is UM/UIM insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need replacement cost coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Audi A4 rate determination is complex

An important part of buying insurance is that you know the rating factors that go into determining your insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are some of the factors that factor into your rates.

  • Little extras can really add up – There are many extra bells and whistles you can purchase when buying insurance. Coverages like rental car reimbursement, better glass coverage and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
  • More miles equals more premium – Driving more miles each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your A4 may be costing you. Double check that your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Lower rates with optional equipment – Driving a car with an alarm system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Pay less after the wedding – Getting married actually saves money when buying insurance. Having a spouse usually means you are more responsible and it’s proven that married couples file fewer claims.

Car insurance coverages explained

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed, 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 it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, rehabilitation expenses, funeral costs, nursing services and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Collision protection

This will pay to fix damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and 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. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles, medical services, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money makes a lot of cents

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage only to discover later that it was a big error on their part. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Low-cost 2017 Audi A4 insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Insureds who switch companies do it for many reasons like questionable increases in premium, an unsatisfactory settlement offer, delays in responding to claim requests or even extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company can be easier than you think.

Additional auto insurance information is available on the following sites: