How Much Does 2007 Audi A4 Car Insurance Cost?

Shoppers have a choice when shopping for affordable Audi A4 insurance. You can either spend your time driving around getting price quotes or use the internet to get rate quotes.

There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a Audi and find the lowest possible price from local insurance agents and online providers.

Insurance Coverage Prices

Finding lower insurance coverage rates is not rocket science. You just need to take a couple of minutes to get quotes from different insurance companies. This can be accomplished in a couple of different ways.

  1. The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for each company. Filling out one form gets you price quotes instantly. This is by far the quickest method.
  2. A harder way to analyze rates requires you to visit each company’s website to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Auto-Owners, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but double check that you are using identical deductibles and coverage limits on every quote. If you enter mixed coverages you can’t possibly determine the best price for your Audi A4.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be specifically requested before you will receive the discount. If you don’t get every credit possible, you’re just leaving money on the table.

  • Multi-policy Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Paperwork-free – Some insurance companies will give a small break simply for signing on their website.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on A4 coverage than their less cautious counterparts.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Save over 55 – Mature drivers may receive a discount up to 10% on A4 coverage.

It’s important to understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will bring down the cost of coverage.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings may not be available everywhere.

Audi A4 insurance rates have many determining factors

It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes some of the items companies use to determine rates.

  • Younger drivers pay higher rates – More mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be less responsible when driving therefore auto insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Most insurers will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by buying auto insurance from a different company.
  • Your car’s features help determine rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Traffic citations inflate rates – Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Claim-free discounts can add up – Insurance companies award better rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Being married is a good thing – Having a wife or husband can actually save you money on your policy. Having a spouse usually means you are more responsible and statistics show drivers who are married are more cautious.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get high-risk coverage after a DUI?
  • Do I have any recourse if my insurance company denies a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • What discounts do I qualify for?
  • How many claims can I have before being cancelled?
  • Is my teenager covered with friends in the car?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2007 Audi A4.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

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 coverage protects against things like damage from a tornado or hurricane, damage from getting keyed, vandalism, hail damage and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your A4 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, rolling your car, colliding with a tree, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, pain medications, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Shop. Compare. Save.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at an affordable rate.

Cheaper 2007 Audi A4 insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just read quite a bit of information on how to compare insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

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