Compare 2011 Audi A4 Car Insurance Quotes

Trying to find lower insurance coverage rates? Buyers have options when searching for the best price on Audi A4 insurance. You can either spend your time calling around trying to get quotes or leverage the internet to compare rates.

There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to compare rates on a Audi and get the lowest possible price from both online companies and local agents.

Save on Audi A4 insurance

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Certain discounts will be applied at quote time, but a few must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount on insurance on A4 insurance.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on A4 insurance depending on your company.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will bring down your overall premium however.

Insurance companies that possibly offer these benefits include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not apply everywhere.

Free Insurance Quotes

There are multiple methods you can shop for 2011 Audi A4 insurance and some are more efficient than others. You could spend the better part of a day talking to agents in your area, or you could use the web to accomplish the same thing much quicker.

All the larger companies take part in a program where prospective buyers enter their policy data once, and each company provides a quote based on that data. This prevents consumers from doing quotation requests for each company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to getting quotes like this is you can’t choose the insurers to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, compare apples-to-apples coverages with every price quote. If you enter different values for each quote it’s impossible to determine the best price for your Audi A4.

Factors determining your Audi A4 insurance premium

Consumers need to have an understanding of some of the elements that help determine insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Multi-policy discounts can save money – The majority of insurers give discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • Being married is a good thing – Having a spouse can get you a discount when buying insurance coverage. Having a spouse translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If your Audi scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Tailor your coverage to you

When buying the best car insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Does insurance cover tools stolen from my truck?
  • Who is covered when they drive my 2011 Audi A4?
  • How do I buy GAP insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you change your policy.

How can each company make almost identical claims?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who do not match these standards will be charged more money which usually ends up with business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can claim big savings.

That is why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance company will provide you with the cheapest Audi A4 insurance rates.

Specific coverage details

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, damage from getting keyed, falling objects, a tree branch falling on your vehicle and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2011 Audi A4.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Collision insurance

This coverage pays for damage to your A4 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, surgery, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage

Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for 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 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, legal defense fees, court costs, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Best coverage at the best price

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, policy non-renewal, delays in responding to claim requests or policy cancellation. Regardless of your reason, finding a new car insurance company is easier than you think.

We just showed you a lot of ways to shop for 2011 Audi A4 insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest priced car insurance comes from an unexpected company.

The cheapest insurance is attainable online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.

Additional detailed information is available at these sites: