2012 Audi A4 Insurance Rates – 8 Policy Discounts

Searching for cheaper insurance coverage rates for your Audi A4? If you’ve never shopped for insurance coverage online, you may be overwhelmed by the large number of insurance coverage companies competing for business.

It’s smart to get comparison quotes yearly since insurance rates tend to go up over time. Just because you had the lowest rates for A4 coverage on your last policy other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but I’m going to show you some of the best ways to find cheap insurance coverage.

Quick Insurance Coverage Quotes

The are a couple different ways to compare rate quotes from local insurance coverage companies. The recommended way to compare 2012 Audi A4 insurance prices is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

The first (and easiest) way to get quotes would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do boring form submissions to each individual insurance coverage company. In just a few minutes this one form will get you price quotes from all major companies. It’s the fastest way to compare.

A more time consuming way to obtain and compare quotes online is to manually visit each company website and complete a new quote form. For sake of this example, we’ll assume you want to compare Nationwide, Esurance and Geico. You would have to go to every website and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, ensure you’re using exactly the same coverage information on every quote. If each company quotes mixed coverages it’s not possible to find the best deal for your Audi A4. Having just a slight variation in limits could mean much higher rates. And when comparison shopping, getting more free quotes provides better odds of finding a better price.

More discounts equal less premium

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings.

• Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
• 55 and Retired – If you’re over the age of 55, you may receive better car insurance rates for A4 coverage.
• Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
• Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
• Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts up to 30%.
• Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
• Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.

As a disclaimer on discounts, some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

To see a list of insurance companies with discount car insurance rates, click here.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need professional guidance.

• Does coverage extend to a rental car in a foreign country?
• What is medical payments coverage?
• What are the financial responsibility laws in my state?
• Am I covered if I wreck a rental car?
• What is the difference between comprehensive and collision coverage?
• Is there coverage for injuries to my pets?
• When should I buy a commercial auto policy?
• Exactly who is provided coverage by my policy?
• Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance policy coverages for an Audi A4

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – This protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage covers 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 claims like hail damage, hitting a deer, fire damage and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – Collision insurance covers damage to your A4 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, X-ray expenses, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible