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: Jul 28, 2018

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Trying to find cheaper auto insurance rates for your Audi A4? I doubt anyone rejoices having to buy auto insurance, in particular when they could find better rates elsewhere.

Due to the large number of insurance providers from which to choose, it’s nearly impossible to locate the lowest price insurance company.

It’s a good idea to compare premium rates before your policy renews since insurance prices are usually higher with each renewal. Just because you had the lowest rate for A4 insurance last year there is a good chance you can find better premium rates now. There is too much inaccurate information about auto insurance online, but in just a couple of minutes you can learn some great ideas on how to lower your auto insurance rates.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Nevertheless, car owners do need to learn the way companies market on the web and take advantage of how the system works.

Affordable car insurance

To find low cost prices, there are a couple of ways to compare quotes from different insurance companies. The quickest method to compare rates is to get quotes online. This is quite simple and can be completed by using one of the methods below.

  • If you are pressed for time, the simplest way to get quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do multiple quote forms for every car insurance company. Filling out one form will return price quotes direct from many companies.
  • A more difficult way to shop for car insurance online is going to each individual company website to request a price quote. For examples sake, let’s assume you need rates from GEICO, Progressive and Liberty Mutual. You would need to go to every website and punch in your information repeatedly, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use the same coverage data with every price quote. If you enter different values for each quote then you won’t be able to make a fair rate comparison. Slightly different coverages may result in large price differences. And when price shopping your coverage, comparing all the rates in your area helps increase your odds of locating lower pricing. Some regional insurers cannot provide quotes online, so it’s important to also get price estimates on coverage from those companies, too.

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

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Don’t believe everything you hear

Big name companies like State Farm, Allstate and GEICO endlessly run television and radio advertisements. All the companies seem to make the promise that you can save just by switching to them. It sounds good, but how can they all lower your car insurance rates? You have to listen carefully.

Companies have a certain “appetite” for the right customer that earns them the highest profit. An example of a desirable risk might be described as over the age of 50, has a clean driving record, and drives a safe vehicle. Someone that matches those criteria will probably get cheap car insurance rates as well as save when they switch companies.

Potential customers who don’t qualify for these stringent criteria may be forced to pay higher premiums which translates to the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can claim big savings. Each company has different criteria, so you need to do a quote comparison often. Because you never know which company will provide the lowest premium rates.

Take advantage of every insurance discount

Insurance can be pricey, but you may find discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you get a quote, but a few need to be specially asked for prior to receiving the credit.

  • E-sign – A few larger companies provide a small discount just for signing your application online.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • No Claim Discounts – Good drivers with no accidents pay much less in comparison to policyholders that have many claims.
  • First Accident Forgiveness – Not a discount per se, but some insurance companies may permit one accident without the usual rate increase as long as you don’t have any claims prior to the accident.
  • Cautious Drivers – Insureds who avoid accidents may save up to 50% more for A4 insurance as compared to drivers with claims.
  • Memberships – Being in a civic or occupational organization could earn you a nice discount when getting a insurance quote.
  • Defensive Driver – Participating in a driver safety class could earn you a small percentage discount if you qualify.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will definitely reduce your policy cost.

Popular insurance companies and some of the discounts can be read below.

  • American Family offers discounts including mySafetyValet, multi-vehicle, good driver, bundled insurance, Steer into Savings, defensive driver, and accident-free.
  • Nationwide may offer discounts for family plan, defensive driving, accident-free, multi-policy, business or organization, anti-theft, and easy pay.
  • MetLife offers discounts for accident-free, defensive driver, claim-free, good driver, and multi-policy.
  • 21st Century includes discounts for good student, air bags, anti-lock brakes, theft prevention, 55 and older, early bird, and automatic seat belts.
  • Farmers Insurance offers premium reductions for bundle discounts, early shopping, electronic funds transfer, distant student, homeowner, and alternative fuel.
  • Allstate policyholders can earn discounts including economy car, auto/life discount, multi-policy, new car, good payer, premier plus, and safe driver.

When quoting, ask every insurance company which discounts can lower your rates. Discounts may not apply to policies everywhere. If you would like to view insurance companies that offer the discounts shown above, click this link.

How to know if you need help

When buying the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight whether or not you may require specific advice.

  • How much liability do I need to cover my assets?
  • Where can I get insurance after a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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

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Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like hospital visits, dental work, EMT expenses, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance covers 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 can pay for claims like colliding with another moving vehicle, driving through your garage door, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverages

This protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of 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 means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, structural damage, medical services and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, fire damage and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A penny earned…

When searching for inexpensive insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the lowest possible cost.

In this article, we presented quite a bit of information on how to reduce 1997 Audi A4 insurance rates online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from a smaller regional carrier. These companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Progressive or GEICO.

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