2008 Audi A4 Car Insurance Quotes – 5 Tips to Save

Looking for cheaper insurance coverage rates for your Audi A4? No one looks forward to buying insurance coverage, especially knowing they are paying too much.

Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the best rates possible.

The best way to compare car insurance rates is to take advantage of the fact car insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information like how old drivers are, if it has an anti-theft system, whether or not you need a SR-22, and your job. Your information is sent automatically to multiple different insurance companies and they respond with quotes instantly.

Save with discounts on 2008 Audi A4 insurance

Companies don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Defensive Driver – Completing a defensive driving course can save you 5% or more depending on where you live.
Service Members Pay Less – Being on active duty in the military could mean lower rates.
Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurers with discount car insurance rates, click here.

Tailor your coverage to you

When choosing coverage, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

Am I covered when driving on a suspended license?
Will my rates increase for filing one claim?
If my 2008 Audi A4 is totaled, can I afford another vehicle?
Which companies will insure high-risk drivers?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Can I afford to pay high deductible claims out of pocket?
Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage basics

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, loss of income and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, falling objects, damage from flooding and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, X-ray expenses, surgery, hospital visits and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage