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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you kicking yourself for buying overpriced insurance? Believe me when I say many drivers feel the same as you. Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to find the lowest rate

Don’t overlook these seven auto insurance discounts

Auto insurance is not an enjoyable expense, but there are discounts available that you may not know about. Some of these disounts will be visible at quote time, but some discounts are required to be inquired about in order for you to get them.

  • Passive Restraints – Options like air bags could see savings as much as 30%.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in school.
  • Accident-Free Discounts – Good drivers with no accidents pay much less as opposed to frequent claim filers.
  • Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% on allroad quattro insurance with some auto insurance companies.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • E-sign Discounts – Certain insurance companies give back up to $50 for signing up on the internet.
  • Driver Safety – Completing a defensive driver course is a good idea and can lower rates if your company offers it.

Don’t be shocked that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce your premiums.

To view providers who offer cheap auto insurance quotes, click this link.

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

secured lock Secured with SHA-256 Encryption

When to get professional advice

When buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover whether or not you could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving on a suspended license?
  • How do I insure my teen driver?
  • Where can I get insurance after a DUI in my state?
  • Is my state a no-fault state?
  • Does coverage extend to Mexico or Canada?
  • How does medical payments coverage work?
  • When should I not file a claim?
  • Does having multiple vehicles earn me a discount?
  • What is roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Tricks in car insurance advertising

Consumers can’t ignore all the ads for the lowest price car insurance by companies like State Farm and Allstate. All the companies try to convey promises that people will save after switching your coverage to them.

How is it possible that every company can charge you less for auto insurance? This is the way they can do it.

Insurance providers require specific criteria for the type of driver that will generate a profit. For instance, this type of insured might be a female over age 40, has never had a policy lapse, and drives less than 7,500 miles a year. Any customer who fits that profile receives the best auto insurance rates and is almost guaranteed to save if they switch.

Potential customers who cannot meet those standards may receive a more expensive rate and ends up with business going elsewhere. Company advertisements say “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can make claims that they all have the best rates.

Because of these techniques, you really need to get a wide range of price quotes. Because you cannot predict which company will provide the lowest prices.

Car insurance coverages for a 2004 Audi allroad quattro

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for EMT expenses, nursing services and prosthetic devices. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, court costs, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Audi allroad quattro.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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

secured lock Secured with SHA-256 Encryption

Save your cold hard cash

We’ve covered many ideas to reduce 2004 Audi allroad quattro insurance auto insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the lowest auto insurance rates are with the smaller companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best price while still protecting your assets.

To learn more, take a look at the resources below: