Compare 2002 Audi A4 Car Insurance Quotes

Want better auto insurance rates for your Audi A4? Paying for high-priced Audi A4 insurance can overdraw your bank account and make it hard to pay other bills. Comparing price quotes is a smart way to slash your bill and have more diposable income.

Because you have many different company options, it’s nearly impossible to pick the most cost effective provider.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but a few need to be requested specifically before being credited.

  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Club Memberships – Participating in a professional or civic organization could qualify you for a break when buying insurance for A4 coverage.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for A4 coverage with select insurance companies.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for A4 coverage than drivers with accidents.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies who offer insurance discounts, click this link.

Factors that might impact rates for an Audi A4

Smart consumers have a good feel for some of the elements that go into determining your auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the items companies use to determine premiums.

  • Your age impacts your rates – Young drivers are statistically proven to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • An active claims history can cost you – Companies award lower rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in calculating your auto insurance rates. If your credit score is lower than you’d like, you could pay less to insure your 2002 Audi A4 by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Audi A4 earned at least 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.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs may require specific advice.

  • Are split liability limits better than a combined single limit?
  • Do I have coverage when using my vehicle for my home business?
  • What is the difference between comprehensive and collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but a few of them apply 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 or go to this page to view a list of companies.

Coverages available on your insurance policy

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, damage from a tornado or hurricane and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as surgery, rehabilitation expenses, X-ray expenses, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage

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 have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Be a penny pincher

In this article, we presented a lot of techniques to shop for 2002 Audi A4 insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

Affordable insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.

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