Compare 2017 Audi A4 Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me, there are lots of people in the same boat. Because there are so many options, it can be challenging to pick the best company.

You should make it a habit to compare rates once or twice a year because rates are rarely the same from one policy term to another. If you had the best rates for A4 insurance last year you can probably find a better price now. Starting right now, forget all the misinformation about insurance coverage because it’s time to teach you the proper way to save on insurance coverage.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Drivers just need to understand the tricks to compare company rates on the web.

Companies offer discounts so take them!

Companies offering auto insurance don’t always list every discount very well, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for A4 insurance than drivers with accident claims.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when buying insurance for A4 insurance.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

Insurance companies who might offer these money-saving discounts include:

Double check with each company how you can save money. Some discounts might not apply everywhere.

Do I just need basic coverages?

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether or not you might need professional guidance.

  • What can I do if my company won’t pay a claim?
  • What vehicles should carry emergency assistance coverage?
  • What exactly is covered by my policy?
  • When would I need additional glass coverage?
  • Should I waive the damage coverage when renting a car?
  • What is PIP insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision – Collision coverage covers damage to your A4 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, nursing services and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Knowledge is power

Lower-priced 2017 Audi A4 insurance is available from both online companies and with local insurance agents, so compare prices from both to have the best chance of lowering rates. A few companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

Much more information about insurance coverage is located at these links: