Compare 2006 Audi A4 Insurance Cost

Want cheaper car insurance rates for your Audi A4? No one in their right mind likes paying for car insurance, especially knowing the cost is too high.

Companies like Geico, Farmers Insurance and State Farm increase brand awareness with ads and it can be hard to see through the deception and find the best price available.

It’s a good habit to compare rates before your policy renews due to the fact that insurance rates fluctuate regularly. Just because you found the lowest rates for A4 insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to find better coverage at a better price.

Discounts are available to cut your rates

Companies that sell car insurance don’t list every available discount very clearly, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for A4 insurance.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for A4 insurance with a few insurance coverage companies.
  • Resident Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Low Mileage Discounts – Keeping the miles down on your Audi can earn discounted rates on garaged vehicles.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

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

Free Quotes for Car Insurance

The are a couple different ways of comparing rate quotes from local car insurance companies. The recommended way to find the cheapest 2006 Audi A4 insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

The best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. A single form gets rate comparisons instantly.

A more time consuming way to compare rate quotes requires you to visit the website for every company you want to comare and fill out their own quote form. For example, we’ll assume you want to compare Geico, Esurance and Farmers. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits for every company. If each company quotes different deductibles it’s not possible to determine the best price for your Audi A4. Slightly different coverages may result in a large different in cost. Keep in mind that getting more free quotes will improve the odds of getting a lower rate.

Audi A4 rates are in the details

It’s important that you understand the factors that play a part in calculating the price you pay for insurance coverage. Understanding what determines base rates helps enable you to make changes that will entitle you to better insurance coverage rates.

  • Keep rates low by being claim-free – Car insurance companies generally give better rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is designed for larger claims.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more expense you’re willing to pay, the lower your rates will be for A4 insurance.
  • Pleasure use saves money – Driving more miles every year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates than those used for commuting. An improperly rated A4 can result in significantly higher rates. Make sure your insurance coverage coverage is rated on the proper vehicle usage.
  • Don’t skimp on liability – Liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Your job and insurance rates – Jobs such as judges, architects and stock brokers tend to have the highest rates attributed to high stress and lots of time spent at work. On the other hand, jobs such as actors, students and the unemployed receive lower rates for A4 insurance.
  • Older drivers save more – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Sex matters – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both are in accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.

Everyone needs different coverages

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.

  • When should I remove comp and collision on my 2006 Audi A4?
  • Why am I required to get a high-risk car insurance policy?
  • Where can I find high-risk insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I get insurance after a DUI in my state?
  • Should I buy additional glass protection?
  • Are rental cars covered under my policy?
  • Do I benefit by insuring my home with the same company?
  • Am I better off with higher deductibles on my 2006 Audi A4?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Advertising myths

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise that you can save if you switch to them. How do they all make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver that is profitable for them. For example, a profitable customer might be profiled as between the ages of 40 and 55, is a homeowner, and has a short commute. A customer that hits that “sweet spot” will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently make those claims. This emphasizes why drivers should get quotes from several different companies. You cannot predict the company that will have the lowest Audi A4 insurance rates.

Car insurance coverage considerations

Having a good grasp of car insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Audi A4.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This 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 things such as a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for doctor visits, EMT expenses, funeral costs, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your A4 from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

In the end, you save

We covered quite a bit of information on how to reduce 2006 Audi A4 insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Some small companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

Additional detailed information is located in these articles: