How Much Does 2004 Audi A4 Insurance Cost?

Searching for the cheapest car insurance rates for your Audi A4? Are you tired of paying out the nose to pay your car insurance bill each month? You are no different than many other drivers. There is such a variety of car insurance companies to pick from, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest rates.

You need to shop coverage around before your policy renews because rates are rarely the same from one policy term to another. Even if you got the best price for A4 insurance a couple years back a different company probably has better rates today. So just block out anything you think you know about car insurance because I’m going to teach you the best methods to save money, get proper coverage and the best rates.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices and possibly find even better coverage. Drivers just need to understand the proper methods to get comparison quotes on the web.

The quickest method to get policy rate comparisons utilizes the fact auto insurance companies actually pay money for the chance to provide you with free rate quotes. The one thing you need to do is spend a couple of minutes providing details including how much you drive, your credit rating estimate, how much coverage you want, and if you lease or own. Your details is instantly sent to insurance companies and you get price estimates within a short period of time.

Save with discounts on Audi A4 insurance

Car insurance companies do not list every discount very clearly, so here is a list both the well known and the more hidden insurance savings. If you’re not getting every credit available, you’re paying more than you need to.

  • No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Homeowners Discount – Simply owning a home can help you save on insurance because of the fact that having a home shows financial diligence.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Drive Less and Save – Keeping the miles down on your Audi can earn discounted rates on garaged vehicles.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in your state.

Audi A4 rates are in the details

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates 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 is probably cheaper to insure.
  • Higher deductibles cost less – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Audi from damage. Some examples of claims that would be covered would be running into the backend of another car, vandalism, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the less your car insurance will be for A4 insurance.
  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Rates may be higher depending on your occupation – Occupations like real estate brokers, architects and dentists tend to pay the highest average rates in part from stressful work requirements and long work hours. Other occupations such as actors, historians and the unemployed have the lowest average rates for A4 insurance.
  • Lower miles equals lower premium – The more miles you rack up on your Audi in a year’s time the higher your rate. Almost all companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance policy is rated on how each vehicle is driven. If your policy improperly rates your A4 can result in significantly higher rates.
  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Just one ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to continue driving.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if you may require specific advice.

  • Should I get collision insurance on every vehicle?
  • Is business equipment covered while in my vehicle?
  • What discounts do I qualify for?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving someone else’s vehicle?
  • Do I need rental car coverage?
  • What is the rate difference between pleasure use and commuting?
  • What is the ISO rating for a 2004 Audi A4?
  • Do I need to file an SR-22 for a DUI in my state?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. All the companies make an identical promise of big savings if you change to them.

But how can every company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of driver that is profitable for them. An example of a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Consumers who don’t measure up to the requirements will have to pay higher prices which usually ends up with business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can state the savings. Because of the profiling, you absolutely need to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Audi A4 insurance.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Audi A4.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your A4 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, rolling your car, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, chiropractic care, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical expenses, legal defense fees, repair bills for other people’s vehicles, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Money doesn’t grow on trees

Low-cost 2004 Audi A4 insurance is attainable both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some companies may not provide online quoting and these small, regional companies work with independent agents.

We just covered some good ideas how to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.

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