2005 Audi A4 Car Insurance Rates

I really doubt anyone enjoys paying for insurance coverage, especially knowing their premiums are through the roof. Big companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

It’s important to do price comparisons periodically since insurance prices are adjusted regularly by insurance companies. Just because you had the lowest quotes on A4 insurance six months ago there is a good chance you can find better rates now. You can search a lot of insurance coverage on the web, but we’re going to give you the easiest ways to stop overpaying for insurance.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the tricks to compare price quotes online.

Where can I get low cost insurance?

There are a lot of ways to compare insurance prices but there is one way that is more efficient than others. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quotes for quick rates.

Many popular insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company then returns a price quote. This saves time by eliminating quote forms for each company.

To participate in this free quote system, click here (opens in new window).

The only downside to using this type of system is you can’t choose which companies to get pricing from. If you prefer to choose from a list of companies to request quotes from, we put together a list of insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to enter identical quote information for each price quote. If you use different liability limits it’s not possible to make a fair comparison for your Audi A4.

Which policy gives me the best coverage?

When choosing adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions can help discover whether or not you may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Which is better, split liability limits or combined limits?
  • What is covered by UM/UIM coverage?
  • Is my trailer covered?
  • Can my teen drive my company car?
  • Why am I required to buy liability insurance?
  • Am I covered if I hit a deer?

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. 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’s fast, free and can provide invaluable advice.

Auto insurance coverages explained

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.

Liability coverages – This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, legal defense fees, funeral expenses, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, theft and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance will pay to fix damage to your A4 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2005 Audi A4.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, doctor visits, rehabilitation expenses, prosthetic devices and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage