How Much Does 2014 Audi A4 Insurance Cost?

Looking for cheaper insurance coverage rates for your Audi A4? Comparing car insurance rates is not something consumers like to do, but all states require it when you drive.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Pricing the cheapest coverage is simple if you know the tricks. But drivers can benefit by having an understanding of how the larger insurance companies price online insurance.

Companies offer discounts so take them!

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Most are applied at the time of purchase, but a few need to be manually applied in order for you to get them.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your premiums.

Car insurance companies who might offer these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Some discounts might not apply in your state.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Should I get collision insurance on every vehicle?
  • Is there coverage for injuries to my pets?
  • Do I need an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What is UM/UIM insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Buyer beware of insurance advertising tricks

Insurance providers like Allstate, GEICO and Progressive regularly use ads in print and on television. They all make an identical promise that you can save if you move your policy. How can each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured could possibly be between 30 and 50, has no driving citations, and has great credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t measure up to this ideal profile will have to pay higher prices and ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently claim big savings.

Because of the profiling, you should get a wide range of price quotes. Because you never know which company will give you the biggest savings on Audi A4 insurance.

Learn about insurance coverages for a 2014 Audi A4

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage will pay to fix damage to your A4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, chiropractic care, surgery and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage will cover damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Audi A4.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Money doesn’t grow on trees

Affordable 2014 Audi A4 insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company can be easier than you think.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. Too many times, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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