Save on 1999 Audi A4 Car Insurance Cost

Drivers have lots of choices when trying to find the best price on Audi A4 insurance. They can either waste time driving around to compare prices or save time using the internet to make rate comparisons.

There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a new or used Audi and locate the best price possible either online or from local insurance agents.

You need to price shop coverage at least once a year due to the fact that insurance rates change frequently. Even if you think you had the best deal for A4 insurance a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.

If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. Drivers only need an understanding of the most efficient way to find the lowest price online.

Comprehensive Insurance Comparison

Reducing your 1999 Audi A4 insurance rates is a fairly straight forward process. Consumers just need to take a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating multiple quote forms for every insurance company. Completing one form will return quotes from multiple companies. It’s definitely the quickest method.
  2. A more difficult way to compare rate quotes is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Liberty Mutual, Esurance and Geico. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to compare rates is to spend time driving to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you require the trained guidance of a local agent. Drivers can get the lowest quotes online but buy from a local insurance agent and we’ll talk about that later.

Whichever method you choose, ensure you are comparing the exact same coverages with each company. If the quotes have mixed coverages it’s not possible to determine which rate is truly the best.

Ads can be misleading

Drivers can’t get away from ads for cheaper car insurance from the likes of Allstate and Progressive. They all seem to say the same thing that you’ll save big after switching your coverage to them.

But how can every company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the driver that is profitable for them. An example of a driver they prefer could possibly be between 30 and 50, insures multiple vehicles, and has a short commute. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements will have to pay more money and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that much money. This is how insurance companies can advertise the way they do.

Because of the profiling, you absolutely need to get as many comparisons as possible. It is impossible to predict which auto insurance company will fit your personal profile best.

Factors that can influence Audi A4 insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

Shown below are some of the factors used by your company to calculate rates.

  • Multiple policies with one company can save – Some insurance companies provide better rates to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you’re getting this discount it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • The more you drive the more you pay – Driving more miles in a year the higher your rates will be. Most insurance companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than those used for commuting. An improperly rated A4 can result in significantly higher rates. Double check that your insurance coverage coverage is showing the proper vehicle usage.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets like reckless driving and DUI. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Small claims can cost you – Companies give discounts to people who do not file claims often. If you frequently file small claims, you can expect higher rates. Car insurance is intended to be relied upon for the large, substantial claims.

Don’t miss out on these money-saving discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Some trigger automatically when you purchase, but less common discounts must be asked about before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Club Memberships – Being a member of a professional or civic organization may earn a discount when buying insurance for A4 insurance.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for A4 insurance than drivers with accidents.
  • Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% for A4 insurance.
  • College Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Own a Home – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for A4 insurance with a few insurance companies.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut the cost of coverage.

For a list of insurers who offer insurance discounts, click this link.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Should I rate my 1999 Audi A4 as pleasure use or commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my spouse’s policy after a separation?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How does medical payments coverage work?
  • When should I not file a claim?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverage options for an Audi A4

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A4.

Because many people 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 is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Liability – Liability insurance provides protection from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as structural damage, court costs and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, hitting a deer, hail damage and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills such as dental work, rehabilitation expenses, nursing services and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage will pay to fix damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

A tidy conclusion

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, being labeled a high risk driver, high prices or delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance coverage companies is actually quite simple.

Throughout this article, we presented quite a bit of information on how to save on 1999 Audi A4 insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with some of the lesser-known companies.

Additional detailed information is available by following these links: