2000 Audi A4 Insurance Quotes – 8 Tips to Save

Searching for lower car insurance rates for your Audi A4? Locating low-cost insurance for a new or used Audi A4 can be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to compare rates on a Audi and locate the best price possible.

How to reduce 2000 Audi A4 insurance rates

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you get a quote, but some must be manually applied before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Government Employees – Employees or retirees of the government can save as much as 8% on A4 coverage with a few insurance coverage companies.

Consumers should know that most discounts do not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, it just doesn’t work that way. But all discounts will cut your premiums.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Tailor your coverage to you

When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether you may require specific advice.

  • Is a fancy paint job covered?
  • Do I need rental car coverage?
  • Where can I find high-risk insurance?
  • Can my babysitter drive my car?
  • Why am I required to buy high-risk coverage?
  • What is the minimum liability in my state?
  • When would I need additional glass coverage?
  • What happens if I owe more than my 2000 Audi A4 is worth?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Is there deception in advertising?

Consumers can’t get away from ads for car insurance savings by State Farm, Allstate and GEICO. All the companies have a common claim of big savings if you change to their company.

How can each company make the same claim? It’s all in the numbers.

All the different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk could be between the ages of 40 and 55, is a homeowner, and has excellent credit. Any driver that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for the “perfect” profile will be charged higher rates which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently state the savings.

That is why drivers should compare many company’s rates. Because you never know which car insurance company will fit your personal profile best.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This coverage gives you protection 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.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like doctor visits, prosthetic devices, funeral costs and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Save for a rainy day

We just showed you many ideas to lower your 2000 Audi A4 insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the smaller companies.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, high prices, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

Much more information about auto insurance can be read at the links below