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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High-priced insurance coverage can bottom out your savings account and put a big crunch on your finances. Performing a price comparison is a smart way to make ends meet.

You have so many insurance companies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.

It’s smart to price shop coverage yearly because insurance rates fluctuate regularly. Despite the fact that you may have had the best premium rates for A4 coverage a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because we’re going to show you the only way to save on insurance coverage.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Although consumers do need to know how insurance companies price online insurance and take advantage of how the system works.

How to compare free insurance price quotes

When shopping for affordable insurance coverage quotes, there are a couple of ways of comparing rate quotes from insurance companies in your area. The best way to find the lowest Audi A4 rates is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

Experts agree that the best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing separate quotes for each price estimate. Just one form will return quotes from multiple low-cost companies.

A more time consuming way to analyze rates consists of going to each company website and go through the quote process again. For instance, we’ll pretend you need rates from Farmers, Progressive and GMAC. You would have to visit each site and repeatedly type in your coverage information, which can get rather old.

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

Whichever way you choose to compare rates, make sure you use the exact same quote information for every quote you compare. If you have different values for each quote you can’t possibly determine the lowest rate for your Audi A4. Slightly different coverages can mean a large discrepancy in price. Just remember that comparing all the rates in your area will increase your chances of finding lower pricing.

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

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Truth in auto insurance advertising

Well-known auto insurance companies like State Farm, GEICO and Progressive endlessly run ads in print and on television. All the ads say the same thing about how much you will save just by moving your policy. How do they all charge you a lower premium? This is the trick they use.

All the different companies offer their best rates for the type of driver that will be a good risk. An example of a desirable risk might be described as a mature driver, has other policies, and insures a new vehicle. Any driver who matches those parameters will get low premium rates and have a good chance to save money with a new company.

Insureds who are not a match for this stringent profile will have to pay a higher premium and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can make those statements. Because of the profiling, you absolutely need to get price quotes at each policy renewal. It is impossible to guess with any certainty which company will have the lowest rates.

Insurance coverage discounts are available to reduce your rates

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you quote, but some must be inquired about before you get the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Accident Waiver – Not a discount per se, but some insurance companies may permit one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Professional Memberships – Participating in a qualifying organization is a simple method to lower premiums on your policy.
  • ABS Braking Discount – Cars equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
  • Safety Course Discount – Participating in a safe driver course may get you a small discount depending on where you live.
  • Driving Data Discount – Drivers who elect to allow their company to monitor their driving habits through the use of a telematics system such as Progressive’s Snapshot may get a rate reduction if they are good drivers.
  • Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.

You should keep in mind that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, insurance coverage companies aren’t that generous.

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

  • Farm Bureau policyholders can earn discounts including safe driver, good student, multi-vehicle, 55 and retired, and renewal discount.
  • MetLife includes discounts for claim-free, multi-policy, accident-free, defensive driver, good student, and good driver.
  • Progressive has savings for online signing, multi-vehicle, good student, homeowner, and online quote discount.
  • AAA offers discounts including multi-car, AAA membership discount, education and occupation, pay-in-full, multi-policy, and good student.
  • American Family may include discounts for defensive driver, good driver, Steer into Savings, TimeAway discount, and air bags.
  • GEICO may have discounts that include daytime running lights, multi-vehicle, good student, membership and employees, five-year accident-free, and air bags.
  • State Farm offers discounts for anti-theft, multiple policy, safe vehicle, defensive driving training, multiple autos, accident-free, and good student.

If you need lower rates, check with every prospective company to apply every possible discount. A few discounts may not be offered in your area. If you would like to view providers who offer online insurance coverage quotes, click this link.

Everyone needs different auto insurance coverages

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Is my 2004 Audi A4 covered for smoke damage?
  • Is my teenager covered with friends in the car?
  • How can I get my company to pay me more for my totalled car?
  • Is a blown tire covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • What happens if I owe more than my 2004 Audi A4 is worth?
  • Who is covered when they drive my 2004 Audi A4?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

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

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Coverage specifics

Having a good grasp of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, emergency aid, court costs, bail bonds and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from a tornado or hurricane and hitting a deer. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, surgery, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your A4 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Feed the piggy bank

Some insurance companies may not offer online price quotes and many times these small insurance companies prefer to sell through independent agents. Cheaper 2004 Audi A4 insurance can be sourced both online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money.

In this article, we covered a lot of tips how to compare 2004 Audi A4 insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest prices are with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

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