Cheaper 2018 Audi A4 Insurance Rates

Looking for the cheapest auto insurance rates for your Audi A4? Have you finally had enough of scraping nickels together to keep your car insured? Your situation is no different than many other consumers. Vehicle owners have many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, having more insurers makes it harder to find the best rates for your vehicles.

The cheapest insurance coverage quotes online

Most major insurance companies such as State Farm, Allstate and Geico make it easy to get coverage price quotes on the web. Getting quotes is fairly simple as you simply enter the coverages you want as detailed in the form. Behind the scenes, their system sends out for your driving record and credit report and returns a price. This helps simplify price comparisons, but the work required to visit many different websites and type in your information can get tiresome after awhile. But it’s necessary to compare as many rates as possible if you are searching for a better rate.

The quickest way to find cheaper rates is to use a quote form that gets price quotes from more than one company. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable. After sending the form, it gets priced and you can choose any or none of the resulting price quotes. If you find a better price you can click and sign and buy the policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy your coverages identical to your current policy. This helps ensure you will be getting a fair comparison based on similar coverages.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • What is roadside assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Should I have a commercial auto policy?
  • Will my insurance pay for OEM parts?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Collision coverage protection

Collision insurance will pay to fix damage to your A4 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, rolling your car, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like surgery, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability car insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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

Liability insurance covers things like emergency aid, loss of income, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.