2004 Audi A4 Insurance Quotes – 7 Tips for Cheaper Rates

Want better car insurance rates for your Audi A4? Paying for high-priced Audi A4 insurance can dwindle your checking account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to cut your insurance bill.

Many insurers compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best price available.

How to Get Auto Insurance Comparison Quotes

When shopping for auto insurance there are multiple ways of comparing rates from different insurance companies. The best method to compare 2004 Audi A4 insurance prices is to perform an online rate comparison. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click to view form in new window. This form keeps you from doing separate quotes for each company you want a rate for. A single, simple form compares rates from several companies.
  2. A harder way to get quotes online is going to the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from State Farm, Liberty Mutual and Geico. You would have to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way of getting rate comparisons is to spend time driving to insurance agents’ offices. Shopping for auto insurance online makes this process obsolete unless you require the trained guidance of a local agent. Drivers can comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just ensure you’re using the exact same quote information on every quote. If you use different values for each quote you can’t possibly determine the lowest rate for your Audi A4. Just a small difference in limits may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes helps locate lower pricing.

Buyer beware of auto insurance advertising tricks

State Farm and Allstate consistently run television and radio advertisements. All the companies make the same claim that you’ll save big if you change your policy. But how can every company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a preferred risk might be over the age of 50, a clean driving record, and has a high credit rating. A customer getting a price quote who fits that profile receives the best rates and most likely will save when switching.

Consumers who don’t meet the “perfect” profile will have to pay higher premiums and ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how companies can claim big savings.

Because of the profiling, drivers should get as many quotes as possible. It’s impossible to know which company will have the lowest Audi A4 insurance rates.

Discounts can save BIG

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be inquired about prior to getting the savings.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for A4 coverage than their less cautious counterparts.
  • Accident Waiver – A few companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.

It’s important to note that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will bring down the cost of coverage.

Insurance companies who might offer these discounts include:

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

Will just any policy work for me?

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • Does my personal policy cover me when driving out-of-state?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage on my 2004 Audi A4?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance policy coverages for an Audi A4

Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, vandalism, fire damage, hitting a deer and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like funeral costs, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as rolling your car, damaging your car on a curb, sideswiping another vehicle, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Saving money is sweet as honey

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice physical damage coverage and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

Budget-conscious 2004 Audi A4 insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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