2006 Audi A4 Car Insurance Quotes

Are you confused by the number of insurance companies? You’re not alone. People have so many options that it can easily become a challenge to find lower rates.

Finding Insurance Deals

There are several ways to compare rate quotes from insurance companies in your area. The simplest method to find the cheapest 2006 Audi A4 insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Probably the best way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do boring form submissions for every insurance company. One simple form will get you rate comparisons from several companies. Just one form and you’re done.
  2. A less efficient way to analyze rates requires a trip to the website of each company and fill out their own quote form. For examples sake, we’ll assume you want rates from Liberty Mutual, Allstate and GMAC. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The least efficient method to compare rates is driving around to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. However, consumers can get the lowest quotes online but buy from a local insurance agent and we’ll cover that in a bit.

However you get your quotes, ensure you are comparing exactly the same coverages and limits for every company. If your comparisons have different deductibles it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes provides better odds of finding a better price.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied before they will apply.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for A4 coverage with certain companies.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for A4 coverage than less cautious drivers.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help reduce your premiums.

To see a list of providers with the best insurance discounts, click here to view.

Do I need special coverages?

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • When should I remove comp and collision on my 2006 Audi A4?
  • Are rock chip repairs covered?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need more liability coverage?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I break a side mirror?
  • What is the ISO rating for a 2006 Audi A4?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Factors influencing Audi A4 insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

  • Never go without insurance – Not having insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • The more you drive the more you pay – The more you drive every year the higher your rates will be. Almost all companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Improper usage on your A4 may be wasting your money. Make sure your auto insurance policy shows the correct driver usage.
  • Don’t buy coverages you don’t need – There are many additional coverages you can purchase if you aren’t careful. Coverages like vanishing deductibles, better glass coverage and term life insurance are examples of these. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • How credit affects auto insurance rates – A driver’s credit rating is a large factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores. If your credit history can use some improvement, you could be paying less to insure your 2006 Audi A4 by spending a little time repairing your credit.
  • Too many auto insurance claims drive up costs – Insurance companies provide discounts to policyholders who are claim-free. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Bad driving skills means higher rates – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Even a single ticket can bump up the cost twenty percent or more. Drivers with serious tickets like DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to continue driving.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Audi A4.

Because many people 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 do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding, theft and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as rehabilitation expenses, dental work and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Coverage for collisions

Collision coverage covers damage to your A4 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, loss of income and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Get your money’s worth

Lower-priced 2006 Audi A4 insurance is available on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Drivers switch companies for any number of reasons including delays in paying claims, poor customer service, questionable increases in premium or even policy cancellation. Regardless of your reason for switching companies, finding a new insurance company is less work than it seems.

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