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: Jan 2, 2018

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I can’t think of anyone who looks forward to paying premiums for insurance, especially when they know they could find better rates elsewhere.

Vehicle owners have so many insurers to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find a good deal.

It’s a good habit to compare prices quite often because prices trend upward over time. Just because you had the best rate on A4 coverage two years ago you may be paying too much now. You can find a lot of information about insurance out there, but in just a couple of minutes you can learn some guaranteed methods to buy insurance cheaper.

Earn discounts to get lower-cost insurance coverage rates

Insurance coverage is not inexpensive, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but some must be specifically requested prior to getting the savings.

  • Distant Student Discount – Children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Homeowners Savings – Owning a house can get you a discount because it requires a higher level of personal finance.
  • Save over 55 – Drivers over the age of 55 may receive a slight reduction on a insurance coverage quote on A4 coverage.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
  • Multiple Vehicles – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Online Discount – Some companies will provide an incentive for buying a policy and signing up over the internet.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A list of insurance coverage companies and a selection of discounts are outlined below.

  • Progressive offers discounts for homeowner, good student, multi-vehicle, online signing, continuous coverage, multi-policy, and online quote discount.
  • The Hartford policyholders can earn discounts including air bag, anti-theft, defensive driver, good student, vehicle fuel type, and bundle.
  • Mercury Insurance offers discounts including low natural disaster claims, multi-policy, anti-theft, type of vehicle, and professional/association.
  • GEICO has savings for anti-lock brakes, multi-vehicle, five-year accident-free, driver training, anti-theft, air bags, and multi-policy.
  • AAA may have discounts that include good driver, good student, pay-in-full, multi-policy, education and occupation, anti-theft, and multi-car.
  • State Farm offers premium reductions for student away at school, good driver, driver’s education, anti-theft, good student, accident-free, and Steer Clear safe driver discount.

It’s a good idea to ask all companies you are considering the best way to save money. A few discounts might not be available to policyholders in your state. To view providers that offer some of these discounts, follow this link.

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

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Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine if your insurance needs may require specific advice.

  • Where can I find DUI or SR-22 insurance?
  • Will filing a claim cost me more?
  • Is pleasure use cheaper than using my 1999 Audi A4 to commute?
  • Where can I get insurance after a DUI in my state?
  • Should I rate my 1999 Audi A4 as pleasure use or commute?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Liability coverages

This can cover damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, loss of income, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding, vandalism, theft and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage pays for damage to your A4 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, colliding with a tree, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1999 Audi A4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, EMT expenses, dental work, funeral costs and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Shop. Compare. Save.

Budget-conscious 1999 Audi A4 insurance is available online as well as from insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. A few companies do not offer internet price quotes and many times these regional insurance providers prefer to sell through independent agencies.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In too many instances, someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Additional car insurance information is located at the links below