2005 Audi A4 Insurance Rates – 6 Savings Tips

Want lower insurance rates? Drivers have many options when trying to find the best price on Audi A4 insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to make rate comparisons. There are both good and bad ways to find insurance online and you need to know the best way to compare rates for a new or used Audi and obtain the lowest price either online or from local insurance agents.

It is always a good idea to price shop coverage occasionally because prices are adjusted regularly by insurance companies. Even if you got the lowest rates for A4 insurance last year you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to find out one of the best ways to reduce your cost while improving coverage.

If you have a policy now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. The purpose of this article is to help educate you on how to effectively get price quotes and some money-saving tips. Vehicle owners only need to know the proper methods to compare price quotes online.

Cut your auto insurance rates with these six discounts

Car insurance companies don’t always list all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Resident Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Accident Forgiveness – Certain companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your policy for A4 insurance.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts, click this link.

You are unique and your insurance coverage should be too

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Is my 2005 Audi A4 covered for smoke damage?
  • Should I have combined single limit or split liability limits?
  • Does car insurance cover theft of personal property?
  • How do I file an SR-22 for a DUI in my state?
  • Why does it cost so much to insure a teen driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?
  • When should I not file a claim?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Specific coverage details

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, structural damage, medical expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed, fire damage, damage from flooding and hitting a bird. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi A4.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

One last thing

We just showed you some good ideas how to lower your 2005 Audi A4 insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the best price on auto insurance is with a lesser-known regional company.

People who switch companies do it for any number of reasons including unfair underwriting practices, being labeled a high risk driver, questionable increases in premium or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

The cheapest insurance is attainable from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

More information can be found on the following sites: