2017 Audi A4 Insurance Quotes – 6 Ways to Save

Buying the cheapest insurance coverage over the internet can be problematic for consumers not familiar with buying insurance on the web. With so many companies in the marketplace, how can anyone have a chance to compare every company to locate the best available rates?

Compare Insurance Coverage Costs

There are a variety of methods to compare 2017 Audi A4 insurance coverage prices but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many companies enroll in a system where prospective buyers only type in their quote data once, and each participating company provides a quote based on that data. This system prevents you from having to do quote forms to every company.

To access this free quoting program, click here (opens in new window).

The only drawback to doing it this way is you cannot specify which providers to receive prices from. So if you want to select specific providers for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverages and limits for each comparison quote. If you enter different deductibles it will be impossible to make an equal comparison. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing more company’s prices will enable you to find the best rates.

Discounts to lower 2017 Audi A4 insurance rates

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but some must be requested specifically before you will receive the discount.

  • Distant Student – Children who live away from home without a vehicle on campus may qualify for this discount.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on A4 insurance with a few insurance coverage companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce your premiums.

For a list of insurance companies with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your insurance needs may require specific advice.

  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy liability insurance?
  • Is pleasure use cheaper than using my 2017 Audi A4 to commute?
  • Am I covered when driving on a suspended license?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage options for a 2017 Audi A4

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like funeral costs, pain medications and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – This can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as loss of income, attorney fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Save for a rainy day

We covered many ideas to reduce 2017 Audi A4 insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the best prices are with the least-expected company.

When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.

Cost effective insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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