2003 Audi A4 Insurance Quotes

Overwhelmed by the sheer number of car insurance choices? Many other drivers are as well. You have so many choices that it can turn into a big hassle to find better rates.

You should make it a habit to check car insurance prices once or twice a year because insurance rates trend upward over time. Just because you had the lowest price for A4 insurance a couple years back a different company probably has better rates today. Forget all the misinformation about car insurance because we’re going to demonstrate the things you must know in order to get good coverage at a lower rate.

Insurance Quote Comparison

Most major insurance companies like Geico, State Farm and Progressive quote coverage prices on the web. The process is fairly simple as you just enter the coverages you want into the quote form. After the form is submitted, the company’s rating system orders your driving record and credit report and provides a quote.

Quoting online helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms can get tiresome after awhile. But it is imperative to perform this step if you want to find better insurance pricing.

There is a better way!

A quicker way to locate the lowest prices utilizes a single form that gets price quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you can choose your choice of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and may save quite a bit of money.

To save time and use this form to compare rates, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter the limits and deductibles identical to your current policy. Doing this assures you’re receiving a rate comparison based on similar coverages.

Why your Audi A4 might be costing you more

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
  • An active claims history can cost you – Insurance companies give better rates to people who do not rely on their insurance for small claims. If you file claims often, you can expect higher rates. Car insurance is designed for larger claims.
  • Older drivers pay less – Young drivers tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.
  • Pleasure use or commuting – The more you drive every year the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your A4 may be wasting your money.
  • Do you know you’re credit rating? – Having a bad credit score is a big factor in calculating your auto insurance rates. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower ratings. So if your credit is low, you could pay less to insure your 2003 Audi A4 by spending a little time repairing your credit.
  • Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If the Audi A4 earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Poor driving leads to higher costs – Only having one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

These discounts can lower your rates

Companies don’t always publicize every discount very well, so we researched both the well known and the more hidden insurance savings.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on insurance for A4 insurance.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies offering insurance discounts, click this link.

Different people need different coverages

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation may require specific advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to buy a different vehicle if my 2003 Audi A4 is totaled?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need roadside assistance coverage?
  • Should I buy additional glass protection?
  • Am I covered if my car is in a flood?
  • Are rock chip repairs covered?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Understanding the coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, structural damage, legal defense fees, loss of income and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, fire damage, hail damage and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

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

Collision insurance covers things like rolling your car, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, nursing services, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Summing up your insurance search

Insureds who switch companies do it for a number of reasons such as delays in paying claims, policy cancellation, poor customer service and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company can be pretty painless.

You just read some good ideas how to shop for 2003 Audi A4 insurance online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price.

Much more information about insurance is available below: