Wish you could get out of overpriced car insurance? It’s quite common and many consumers feel financially strained by their car insurance policy. People have multiple insurers to pick from, and even though it’s nice to have multiple companies, it makes it harder to find the best rates.
You should take the time to compare premium rates before your policy renews because prices change frequently. If you had the best quotes on A4 coverage at your last renewal there may be better deals available now. There is lot of inaccurate information about car insurance on the internet, but in a few minutes you can learn some of the best techniques to lower your car insurance bill.
Finding a lower price on 2002 Audi A4 insurance is not rocket science. You just have to take the time to get quotes to find out which insurance company has inexpensive auto insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.
However you get your quotes, compare identical coverage limits and deductibles on every price quote you get. If you are comparing different data it will be very difficult to determine the lowest rate for your Audi A4.
Companies that sell car insurance don’t necessarily list all possible discounts very well, so we researched both well-publicized and also the lesser-known discounts that you may qualify for.
Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.
Companies and their offered discounts are shown below.
Double check with each company or agent which discounts they offer. Discounts might not be available to policyholders in your area. To locate car insurance companies that have a full spectrum of discounts, click here.
When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Audi A4.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, hitting a deer, falling objects and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for liability – Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as bail bonds, pain and suffering, medical services, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.
Collision – This coverage will pay to fix damage to your A4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things like rolling your car, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.