Lower Your 2014 Audi A4 Insurance Rates

Are you overwhelmed by the number of auto insurance companies? Lot’s of other consumers are too. Consumers have so many choices that it can quickly become a lot of work to find the best price.

It’s a good habit to take a look at other company’s rates yearly since rates are usually higher with each renewal. Just because you found the lowest price for A4 coverage last year there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but we’re going to give you some great ways to save money.

The quickest way to compare rate quotes is to know car insurance companies provide online access to compare rate quotes. The one thing you need to do is provide information like how much coverage you want, your occupation, the year, make and model of vehicles, and your credit rating estimate. That rating data is instantly submitted to multiple auto insurance providers and you get price estimates instantly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

Pay less by taking advantage of discounts

Car insurance companies don’t always list every available discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using.

  • Government Employees – Simply working for the federal government could cut as much as 10% off for A4 coverage with a few auto insurance companies.
  • No Claims – Good drivers with no accidents pay less as compared to bad drivers.
  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
  • College Student – Any of your kids who live away from home and don’t have a car may qualify for this discount.
  • Memberships – Belonging to certain professional organizations may earn a discount when shopping for auto insurance for A4 coverage.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Forgiveness – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts they offer. Savings may not apply everywhere.

Why your Audi A4 might be costing you more

Smart consumers have a good feel for the factors that play a part in calculating your insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower insurance prices.

Shown below are a partial list of the pieces insurance companies consider when setting rates.

  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your A4 may be costing you. Verify your insurance coverage shows the proper vehicle usage.
  • Lower rates come with age – Youthful drivers are statistically proven to be more careless behind the wheel so insurance rates are higher. If you’ve ever had to add a teen driver to your policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Lower deductibles cost more – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Audi. Some examples of claims that would be covered are running into the backend of another car, damage from fire, or theft. Physical damage deductibles are how much you are required to spend before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance for A4 coverage.
  • Drive a safer car and pay less – Safer cars get lower rates. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If the Audi A4 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Your coverage should be tailored to you

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • I don’t drive much so do I pay less?
  • Should I put collision coverage on all my vehicles?
  • When should I drop full coverage on my 2014 Audi A4?
  • Can I rent a car in Mexico?
  • Am I covered if hit by an uninsured driver?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverages 101

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a bird, fire damage and hail damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like structural damage, funeral expenses and medical services. How much coverage you buy is your choice, but buy as large an amount as possible.

Auto collision coverage

This 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 then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi A4.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, surgery, ambulance fees, dental work and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final thoughts

In this article, we presented many ways to reduce 2014 Audi A4 insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

Cheaper insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

When trying to cut insurance costs, do not skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

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