Compare 2001 Audi A4 Insurance Rates

Consumers have options when looking for the lowest priced Audi A4 insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to find car insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Audi and get the lowest price.

You should take the time to get comparison quotes periodically since insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rates on A4 coverage six months ago there may be better deals available now. You can find a lot of information about car insurance on the internet, but in a few minutes you can learn some great ideas on how to quit paying high car insurance rates.

If you have a current auto insurance policy or are looking for a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. The purpose of this article is to let you in on how to get online quotes and some tricks to saving. Drivers just need to learn the best way to buy auto insurance over the internet.

Are you receiving every discount?

Insurance can be prohibitively expensive, but there may be some discounts that you may not even be aware of. Most are applied at the time you complete a quote, but some need to be specifically requested before you get the savings.

  • Switch and Save Discount – Select companies give a discount for switching to them prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
  • Smart Student Discounts – Getting good grades may save you up to 25%. The good student discount can last until age 25.
  • Claim Free – Drivers who stay claim-free can earn big discounts in comparison to accident-prone drivers.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could save 10% to 20% off each policy.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Telematics Data – Insureds who allow companies to look at driving manner remotely such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Multi-car Discount – Buying a policy with multiple cars or trucks with one company qualifies for this discount.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Professional Memberships – Joining a qualifying organization could qualify you for a break on insurance coverage.
  • Senior Citizen Discount – Mature drivers are able to get a small decrease in premiums on A4 coverage.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of companies offering insurance coverage discounts, click here.

How to buy auto insurance online

Getting cheaper 2001 Audi A4 auto insurance pricing is not a difficult process. You just have to spend a few minutes to compare free insurance coverage quotes provided by online insurance companies. This is very easy and can be done using one of these methods.

Experts agree that the best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate quotes for every company. One simple form compares rates from many national carriers. It’s definitely the quickest method.

A harder way to find better pricing consists of visiting the website for each individual company and repeat the quote process. For examples sake, we’ll pretend you want to see prices from GEICO, Esurance and State Farm. You would need to take the time to go to each site to enter your coverage information, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the same coverage limits and deductibles for each comparison quote. If you compare mixed coverages it will be impossible to determine the best price for your Audi A4.

Why you might pay higher rates

When buying insurance coverage it’s important to understand the factors that come into play when calculating insurance coverage rates. If you know what determines base rates, this allows you to make good choices that could help you find better insurance coverage rates.

  • Safer occupants lowers prices – Vehicles with good safety scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and cheaper rates on your policy.
  • Liability coverage is critical – Liability insurance will protect you in the event that you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Women tend to be lower risk – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Both sexes tend to get into fender benders at a similar rate, but the men tend to have more serious accidents. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Pay more if you have a long commute – Being located in small towns and rural areas can save you money when trying to find low car insurance rates. People who live in big cities regularly have congested traffic and longer commutes to work. Fewer people means reduced accidents in addition to fewer liability claims.
  • Continuous insurance coverage coverage lowers premiums – Driving with no insurance is a big no-no and any future policy may cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Get better rates if married – Having a wife or husband helps lower the price when shopping for insurance coverage. It may mean you are less irresponsible and it’s proven that drivers who are married file infrequent claims.
  • Cautious drivers pay less – Having a clean driving record impacts your car insurance rates tremendously. Even a single driving citation may increase your cost by as much as twenty percent. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state motor vehicle department in order to legally drive.

When in doubt talk to an agent

When it comes to choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Why does it cost so much to insure a teen driver?
  • Are my friends covered when driving my 2001 Audi A4?
  • How high should deductibles be on a 2001 Audi A4?
  • Do all my vehicles need collision coverage?
  • What vehicles should carry emergency assistance coverage?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for ambulance fees, nursing services and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a deer, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your A4 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

One last thing about your coverage

Drivers change insurance companies for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, policy non-renewal or even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

We covered many tips how you can save on 2001 Audi A4 insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small local company.

Cost effective 2001 Audi A4 insurance can be bought on the web in addition to many insurance agents, and you should compare rates from both to have the best selection. A few companies may not have price quotes online and usually these small insurance companies work with independent agents.

Even more information is available in these articles: