2013 Audi A4 Insurance Cost – 7 Discounts for Cheaper Prices

Having to pay for overpriced Audi A4 insurance can empty your bank account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Because you have many choices of insurance companies, it’s difficult to choose the lowest price insurance company.

It’s smart to compare prices quite often since insurance rates go up and down regularly. Despite the fact that you may have had the best rates for A4 coverage on your last policy 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 find out one of the quickest ways to buy cheaper car insurance.

Finding the cheapest protection is simple if you know the tricks. Basically, everyone who is shopping for insurance coverage will more than likely be able to cut their insurance bill. But drivers do need to understand the methods companies use to determine prices and apply this information to your search.

Discounts on Audi A4 insurance

Car insurance is not cheap, but you may find discounts to help bring down the price. Some trigger automatically at quote time, but a few need to be asked about prior to receiving the credit.

  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for A4 coverage than their less cautious counterparts.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for A4 coverage with certain companies.
  • No Claims – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Low Mileage – Fewer annual miles on your Audi could qualify for better rates on cars that stay parked.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down the cost of coverage.

Car insurance companies that possibly offer some of the above discounts include:

Before buying, ask every prospective company which discounts they offer. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions could help you determine if your situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen driver be rated on a liability-only vehicle?
  • When do I need to add a new car to my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Who is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

The auto insurance bait and switch

Auto insurance providers like Geico, State Farm and Progressive continually stream ads on TV and radio. They all have a common claim about savings after switching your policy. But how can every company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a desirable insured might be over the age of 40, a clean driving record, and has great credit. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.

Potential customers who don’t measure up to these standards will be charged higher premiums and this can result in business not being written. The ads say “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings.

That is why drivers should compare as many rates as you can. Because you never know the company that will give you the biggest savings on Audi A4 insurance.

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Liability insurance – Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, emergency aid, funeral expenses and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Collision coverages – This covers damage to your A4 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, scraping a guard rail, sideswiping another vehicle, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from flooding, hail damage, a tree branch falling on your vehicle and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t break the bank

Low-cost 2013 Audi A4 insurance can be found on the web in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented some good ideas how you can lower your insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with the least-expected company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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