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: Oct 5, 2015

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Want cheaper insurance rates for your Audi A4? No normal person looks forward to paying premiums for insurance, especially knowing they could lower their rates if they shopped around. Consumers have multiple insurers to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the lowest cost provider.

The purpose of this article is to instruct you on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Consumers just need to understand the most effective way to shop on the web.

Cheapest insurance coverage price quotes

Finding cheaper insurance coverage prices can be surprisingly simple. Just spend a few minutes on the computer to compare free insurance quotes to discover which company has the cheapest insurance quotes. Price comparisons can be done in several different ways.

  1. The simplest way to get quotes would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quote forms to each individual insurance coverage company. A single, simple form gets you price quotes from several companies.
  2. A less efficient way to get comparison quotes consists of visiting each company website and repeat the quote process again and again. For examples sake, let’s say you want to view quotes from Nationwide, Farmers and Progressive. To get rate quotes you would need to spend time on each company’s site to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be sure to compare the exact same information with each company. If you enter different values for each quote you can’t possibly make a fair comparison for your Audi A4.

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

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Pay discount rates with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that can dramatically reduce your bill. Certain discounts will be applied at quote time, but some need to be inquired about before they will apply. If you aren’t receiving every discount available, you could be saving more on your insurance.

  • Telematics Devices – Policyholders that allow driving data submission to analyze vehicle usage by installing a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Discount for Life Insurance – Select insurance companies reward you with a lower insurance rate if you buy a life insurance policy as well.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on A4 insurance with select insurance companies.
  • Passive Restraints and Air Bags – Factory air bags could see savings of 20% or more.

Don’t be surprised that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • State Farm offers discounts for passive restraint, good student, accident-free, student away at school, multiple policy, anti-theft, and Steer Clear safe driver discount.
  • American Family has savings for Steer into Savings, mySafetyValet, good driver, bundled insurance, TimeAway discount, multi-vehicle, and accident-free.
  • AAA may have discounts that include pay-in-full, multi-car, good driver, AAA membership discount, and multi-policy.
  • GEICO policyholders can earn discounts including driver training, defensive driver, multi-policy, membership and employees, anti-theft, emergency military deployment, and anti-lock brakes.
  • Mercury Insurance includes discounts for annual mileage, multi-policy, ease of repair, low natural disaster claims, multi-car, accident-free, and location of vehicle.
  • Farmers Insurance has discounts for electronic funds transfer, business and professional, homeowner, multi-car, youthful driver, teen driver, and pay in full.
  • Progressive may include discounts for homeowner, multi-vehicle, online quote discount, online signing, good student, multi-policy, and continuous coverage.

Double check with each company or agent which discounts you may be entitled to. Some discounts listed above might not be offered in every state. If you would like to see a list of insurance companies that offer some of these discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out if you may require specific advice.

  • Do I need higher collision deductibles?
  • Am I covered if I break a side mirror?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage if my license is suspended?
  • Do all my vehicles need collision coverage?
  • How many claims can I have before being cancelled?
  • Should I buy additional glass protection?
  • What if I don’t agree with a claim settlement offer?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage options for an Audi A4

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage protects against things like hitting a deer, hitting a bird, rock chips in glass and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, pain medications, dental work, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2000 Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, bail bonds, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

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

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Money doesn’t grow on trees

We covered a lot of ways to get a better price on 2000 Audi A4 insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest premium rates come from the smaller companies. Some small companies often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

Additional detailed information can be found in these articles: