2013 Audi A4 Insurance Quotes – 6 Tricks for Cheaper Rates

Have you fallen victim to an overpriced car insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to get the lowest price

You should make it a habit to shop coverage around occasionally since rates fluctuate regularly. Despite the fact that you may have had the best rates for A4 insurance on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

The quickest way to compare policy rates is to take advantage of the fact most of the larger companies provide online access to give rate comparisons. The one thing you need to do is give them rating details like your general credit rating, how many miles driven, if your license is active, and how you use your vehicles. That rating information gets sent immediately to multiple top-rated companies and you will receive price estimates immediately.

Save $426 a year. For real?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads have a common claim that you can save if you move to them.

But how can every company make almost identical claims?

All companies can use profiling for the driver they prefer to insure. An example of a desirable insured could be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A driver who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who don’t meet this ideal profile will be quoted higher prices and ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. It’s not possible to predict the company that will fit your personal profile best.

Discounts to lower Audi A4 insurance rates

Car insurance companies don’t list every discount in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Multi-policy Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Accident Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies that may have these benefits include:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • What is covered by UM/UIM coverage?
  • Are rock chip repairs covered?
  • Is other people’s property covered if stolen from my vehicle?
  • When should I remove comp and collision on my 2013 Audi A4?
  • How can I get my company to pay me more for my totalled car?
  • Do I need motorclub coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Coverage specifics

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2013 Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Auto collision coverage

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

Collision can pay for claims like driving through your garage door, colliding with a tree, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage kick in for bills for ambulance fees, dental work, funeral costs, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, theft and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have 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.

Liability insurance covers things like repair costs for stationary objects, court costs, structural damage, attorney fees and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Smart consumers save more

When shopping online for insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Budget-conscious 2013 Audi A4 insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Additional detailed information can be read in the articles below: