Cheaper 1998 Audi A4 Insurance Quotes

Trying to find the cheapest auto insurance rates for your Audi A4? Price shopping your auto insurance is always hard for consumers not familiar with shopping for insurance online. Drivers have so many options available that it can easily become more work than you anticipated to find lower rates.

Cheap Auto Insurance Comparisons

Effectively comparing auto insurance prices can take time and effort if you don’t understand the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many of the larger companies take part in a program where prospective buyers submit one quote, and each company provides a quote based on the submitted data. This saves time by eliminating quote forms to every company.

To compare 1998 Audi A4 rates now click here (opens in new window).

The one downside to pricing coverage this way is that consumers can’t choose which companies you want to price. So if you prefer to choose specific insurance companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages for every company. If your comparisons have different deductibles it will be next to impossible to make an equal comparison. Having just a slight variation in limits can result in a big premium difference. Just remember that comparing more company’s prices helps you find lower pricing.

Lower rates by qualifying for discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we break down both well-publicized as well as the least known car insurance savings.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on A4 coverage with certain companies.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy digitally online.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies who offer car insurance discounts, click here to view.

Elements that influence Audi A4 insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in big savings.

  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Audi has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • A clean driving record saves money – Your driving record has a big impact on rates. Even a single ticket may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Equipment add-ons that lower car insurance rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Don’t skimp on liability – The liability section of your policy will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as lawyers, executives and dentists are shown to have the highest average rates due to high stress and long work hours. Other jobs such as pilots, historians and homemakers pay the least on A4 coverage.
  • Drive less and save money – The more you drive in a year the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your A4 may be wasting your money.

Car insurance is unique, just like you

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different.

For example, these questions might help in determining if your situation might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Does having multiple vehicles earn me a discount?
  • When would I need additional glass coverage?
  • Will my insurance pay for OEM parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when making deliveries for my home business?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?

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

Insurance myths debunked

Insurance providers like GEICO, State Farm and Progressive regularly use ads in print and on television. They all say the same thing of big savings if you move to them. But how can every company say the same thing?

Insurance companies have a certain “appetite” for the type of driver that makes them money. A good example of a preferred risk could possibly be over the age of 50, owns a home, and has a short commute. Any driver who fits that profile will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who don’t qualify for this ideal profile must pay more money which usually ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can advertise the savings. This illustrates why it is so important to get as many quotes as possible. Because you never know the company that will fit your personal profile best.

Insurance specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance 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 coverage pays for things such as colliding with a tree, colliding with another moving vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Since 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 should not be overlooked.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like EMT expenses, nursing services, ambulance fees, funeral costs and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, emergency aid, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

One last thing about your coverage

Low-cost 1998 Audi A4 insurance is available both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We just showed you some good ideas how you can reduce insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best prices are with a small local company.

Consumers switch companies for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

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