Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 5, 2017

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Trying to find the cheapest insurance coverage rates for your Audi A4? Are you burned out from robbing Peter to pay Paul to make your insurance coverage payment? Your situation is no different than many other consumers. There are many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to compare rates and find the lowest cost insurance coverage.

You should make it a habit to quote other rates before your policy renews because insurance coverage prices change frequently. Despite the fact that you may have had the best quotes for A4 coverage last year other companies may now be cheaper. You can find a lot of misleading information regarding insurance coverage on the web, but in this article, you’re going to get a bunch of ideas how to lower your insurance coverage premiums.

Which insurance is cheapest?

Shopping for lower insurance rates can be a daunting task if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking to agents in your area, or you can stay home and use the web to get prices fast.

Many of the larger companies take part in a program that enables customers to only type in their quote data once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to each individual insurance company. To get comparison pricing now click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose which companies to get quotes from. So if you prefer to choose individual companies to compare, we have a page of the cheapest insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you use the same quote information on every price quote you get. If you use different coverage information you will not be able to get a fair rate comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Discounts for affordable insurance quotes

Some insurers don’t always advertise all their discounts in an easy-to-find place, so below is a list some of the more common as well as some of the hidden credits available to bring down your rates.

  • No Charge for an Accident – Not necessarily a discount, but some insurance companies will forgive one accident before your rates go up if you have no claims prior to the accident.
  • Telematics Data – People who choose to allow their insurance company to look at vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
  • Federal Employees – Federal government employees may reduce rates when you quote car insurance for A4 coverage depending on your company.
  • Resident Student – Any of your kids who live away from home to go to college and don’t have a car could qualify for this discount.
  • Buy New and Save – Buying a new car model can be considerably cheaper since new model year vehicles are generally safer.

We need to note that many deductions do not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

A few companies that may offer most of these discounts include:

It’s a good idea to ask every company how many discounts you can get. Some credits may not be offered in every state. If you would like to choose from a list of providers who offer discounts, click here.

Decisions you make can impact your insurance rates

Lots of factors are considered when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are not quite as obvious such as your marital status or how safe your car is.

  • How many coverages with the same company – Most insurers will award lower prices for people that have more than one policy such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even if you qualify for this discount already, you may still want to shop around to guarantee you are still saving the most.
  • Do you know your comp and collision deductibles? – Comp and collision deductibles define the amount you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. A few examples of covered claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more you’re willing to pay, the better rate you will receive for A4 coverage.
  • Teen driver insurance costs – Older insureds are more cautious drivers, cost insurance companies less in claims and get fewer tickets.Youthful drivers are known to be inattentive behind the wheel and because of this, their insurance coverage rates are much higher.
  • When should you not file a policy claims? – If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies award the lowest premiums to policyholders who file claims infrequently. Your car insurance is designed for more catestrophic claims.
  • Insurance coverage policy lapses increase insurance coverage rates – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your coverage lapse. And not only will your rates increase, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
  • Do you know you’re credit score? – Having a good credit rating is a big factor in determining what you pay. People with excellent credit scores tend to be less risk to insure than those with poor credit. If your credit can be improved, you could be paying less to insure your 1996 Audi A4 by improving your credit score.
  • Buy as much liability insurance as you can afford – Liability coverage is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so do not skimp.

You may need specialized auto insurance coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Do I have coverage when making deliveries for my home business?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need rental car insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have newly-aquired coverage?
  • I have a DUI can I still get coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Be skeptical of insurance ads

Drivers can’t escape the ads for the lowest price insurance from companies such as Allstate, GEICO and Progressive. All the companies seem to make the promise that people will save if you get a free car insurance quote and switch your policy.

How is it possible that every company can claim to save you money? This is the trick they use.

Different companies have specific criteria for the type of customer they prefer to insure. One example of a profitable risk profile might be over the age of 45, insures multiple vehicles, and has great credit. Anyone that fits those parameters will probably get the lowest rates as well as save quite a bit of money when switching.

Drivers who may not quite match this stringent profile will be charged a higher rate which translates to business not being written. The ads state “customers that switch” not “everyone that quotes” save that much money. That is how companies can truthfully make it sound like they have such great prices.

This really drives home the point why drivers should do a quote comparison often. It’s not possible to predict which company will fit your personal profile best.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Auto collision coverage

Collision insurance will pay to fix damage to your A4 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, crashing into a ditch, driving through your garage door, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability auto insurance

This protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, bail bonds, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Audi A4.

Due to the fact that many drivers 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 important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as dental work, rehabilitation expenses, X-ray expenses, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, hitting a bird and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Be a money saver!

Cheap 1996 Audi A4 insurance is possible online in addition to many insurance agents, so you need to shop car insurance with both to have the best rate selection. Some insurance providers may not have internet price quotes and many times these small insurance companies provide coverage only through independent agencies.

We just presented many ways to get a better price on 1996 Audi A4 insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with a small local company. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Even more information can be found by following these links: