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: Mar 17, 2018

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Looking for the cheapest insurance rates for your Audi A4? Are you irritated from robbing Peter to pay Paul to pay insurance each month? You’re in the same situation as many other drivers. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the lowest rate

What impacts Audi A4 insurance costs?

Multiple criteria are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are not quite as obvious such as your marital status or your vehicle rating.A large part of saving on insurance coverage is knowing some of the factors that help determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels.

Listed below are some of the major factors used by insurance companies to determine rates.

  • Protect yourself with liability protection – The liability section of your policy provides coverage if you are responsible for causing personal injury or damage in an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Men are more aggressive – Over time, data shows females are less aggressive when driving. However, this does not mean females are better at driving than males. Females and males cause accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get more serious tickets such as DWI and reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore are the most expensive to insure.
  • Older drivers pay less – More mature drivers are shown to be more cautious, cost insurance companies less in claims .Youthful drivers are statistically shown to be inattentive with other occupants in the car so they pay higher insurance coverage rates.
  • Theft deterrents lowers insurance coverage rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
  • Your address can push rates up or down – Having an address in areas with lower population can save you money when talking about insurance coverage. Fewer people translates into fewer accident claims. People who live in big cities regularly have traffic congestion and longer commute times. More time on the road translates into higher accident risk.
  • Use one insurance company and save – Some insurance coverage companies apply lower prices to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other insurance prices to confirm you are receiving the best rates possible.
  • Lower stress equals lower premiums – Did you know your occupation can influence how much you pay for insurance coverage? Occupational choices like military generalspolice officers and accountants have higher rates than average due to intense work situations and long work days. Conversely, careers such as scientists, athletes and retirees have the lowest average rates for A4 insurance.
  • Good drivers have lower premiums – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can increase rates substantially. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who get careless violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

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How to get cheap insurance coverage

All the larger insurance coverage companies give coverage prices on their websites. The process is easy for anyone as you simply type in your required coverages as requested by the quote form. After you submit the form the company’s rating system will order your driving and credit reports and provides a quote determined by many factors. Quoting online makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same data can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to find a better rate.

Keep reading for an easier way to compare prices

An easier way to find lower prices uses one simple form that gets prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much easier to do. After sending the form, your coverage is rated and you can select your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

If you want to find out what other companies charge, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with deductibles and limits as shown on your current policy. This ensures you will get a price comparison using the exact same coverages.

Misconceptions in auto insurance advertisements

Consumers get pounded daily by advertisements that claim the cheapest rates from the likes of Allstate, GEICO and Progressive. All the ads say the same thing that drivers can save some big amount just by moving your coverage to them.

How is it plausible that every one can sell you cheaper insurance coverage?

Insurance providers quote their best rates for the type of customer that will add to their bottom line. An example of this type of driver may be a married female, carries full coverage, and has a short commute. Anyone that hits that “sweet spot” is entitled to the best price and will most likely save money with a new company.

Drivers who are not a match for the ideal profile may be forced to pay higher prices and this results in the driver buying from a lower-cost company. The ad wording is “people that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can truthfully claim big savings. Because of these techniques, you really need to get as many free car insurance quotes as possible. It’s just not possible to know with any certainty which company will fit your personal profile best.

Insurance coverage policy discounts you can’t miss

Not many people think insurance is cheap, but you may find discounts that could help you make your next renewal payment. Some discounts apply automatically at the time you complete a quote, but a few need to be asked for before they will apply.

  • Home Ownership Discount – Owning a home can save a few bucks since home ownership means you have a higher level of financial diligence.
  • Driver Safety – Taking a course in safe driver could cut 5% off your bill and also improve your driving technique.
  • Paperless Signup – A few larger online companies will give you a small discount just for signing your application on your computer.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the PIP or medical payment premium.
  • No Charge for an Accident – This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance coverage companies with significant discounts, click this link.

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

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Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions could help you determine whether you would benefit from an agent’s advice.

  • What vehicles should carry emergency assistance coverage?
  • Can I drive in Mexico and have coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I break a side mirror?
  • Am I covered if I drive in a foreign country?
  • Do I need replacement cost coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, EMT expenses, surgery and doctor visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays for damage to your A4 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Feed the piggy bank

Low-cost 1998 Audi A4 insurance can be sourced on the web and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some insurance providers may not provide rate quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

We just showed you a lot of ways to get a better price on 1998 Audi A4 insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest prices are with an unexpected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

As you shop your coverage around, do not skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Additional insurance coverage information can be read on the following sites: