Cheaper 2005 Audi A4 Car Insurance Rates

Looking for lower auto insurance rates for your Audi A4? Confused by the wide range of auto insurance options? Many other consumers are too. People have so many options available that it can quickly become a ton of work to compare prices.

Finding affordable coverage is quite easy. Just about every driver who is shopping for insurance coverage will more than likely be able to cut their insurance bill. Nevertheless, drivers must understand the way insurance companies price online insurance and use this information to your advantage.

You probably qualify for some discounts

Companies offering auto insurance don’t always advertise every discount very clearly, so we researched some of the more common as well as the least known ways to save on car insurance.

  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Senior Discount – Older drivers may be able to get reduced rates on A4 coverage.
  • Homeowners Discount – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on A4 coverage than less cautious drivers.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on A4 coverage with a few car insurance companies.

Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, you’re out of luck.

For a list of companies who offer car insurance discounts, click this link.

Your Audi A4 insurance rate is a complex equation

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Your age impacts your rates – More mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Young drivers are known to get distracted easily when driving and because of this, their insurance rates are much higher.
  • Multiple policies with one company can save – The majority of insurance companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.
  • Allowing your policy to lapse raises rates – Allowing your insurance policy to lapse is a fast way to pay more for insurance. Not only will rates go up, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state motor vehicle department.
  • Rate your vehicle for proper use – The higher the mileage driven each year the higher your rates will be. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. If your policy improperly rates your A4 can cost quite a bit. Double check that your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Occupation reflects on rates – Did you know your job can affect your rates? Careers like judges, architects and stock brokers tend to pay the highest rates due to high stress levels and long work hours. On the other hand, jobs such as actors, students and performers have the lowest average rates on A4 coverage.
  • Sex matters – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Protect your assets with liability insurance – The liability section of your policy will protect you if you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.

There’s no such thing as the perfect policy

When choosing coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I bundle my homeowners policy with my auto?
  • Why am I required to buy liability insurance?
  • Are my friends covered when driving my car?
  • Should I have a commercial auto policy?
  • Is a fancy paint job covered?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

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

Comprehensive insurance covers things like hail damage, hitting a deer, vandalism and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage can cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2005 Audi A4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision coverage will pay to fix damage to your A4 resulting from a 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 coverage protects against claims such as crashing into a building, colliding with a tree, backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for dental work, surgery, hospital visits, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

Budget-conscious 2005 Audi A4 insurance is possible on the web and also from your neighborhood agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, delays in responding to claim requests or policy cancellation. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

More detailed car insurance information is located by following these links: