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: Jan 4, 2018

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Having to pay for pricey car insurance can dwindle your budget and force you to cut corners elsewhere. Doing a rate analysis is a fast and free way to tighten up your finances.

You have multiple insurance companies to choose from, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to find a good deal.

Pricing the lowest cost insurance coverage coverage is not that difficult. Essentially anyone who shops for insurance coverage will most likely be able to cut their insurance bill. But car owners need to have an understanding of how the larger insurance companies market insurance on the web and take advantage of how the system works.

Buy insurance coverage online

To find cheaper insurance quotes, there are several ways to compare rate quotes from all the different companies. One of the best ways to find cheaper 2008 Audi A4 rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating boring form submissions for every company. A single, simple form will get you rate comparisons from multiple low-cost companies.
  2. A slightly less efficient method to find more affordable insurance is to manually visit the website for each individual company and complete a new quote form. For instance, we’ll pretend you want to compare rates from Nationwide, Progressive and Allstate. You would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most difficult way to quote and compare insurance rates is physically going to insurance agents’ offices. Comparing rates online reduces the need to sit down with an agent unless you prefer the professional abilities of an agent trained in personal lines coverage. Although, it is possible compare the best prices online but buy the policy through an agent.

The method you choose is up to you, but be sure to compare the exact same quote data for each price quote. If each company quotes different deductibles you can’t possibly determine the lowest rate for your Audi A4. Even a minor difference in limits may result in a large different in cost. Just remember that comparing all the rates in your area helps improve the odds of finding a lower rate than you’re paying now. Not every company provides price estimates online, so you need to compare price estimates on coverage from those companies, too.

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

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Big names are not always cheapest

Allstate and Progressive continually stream television, radio, and online ads. They all make an identical promise that you can save if you get a free insurance quote and switch your coverage. But how can every company cost less than your current company? This is how they do it.

Most companies provide the lowest rates for the right customer that earns them the most money. An example of a desirable insured should be over the age of 35, is a homeowner, and drives newer vehicles. Any person that hits that “sweet spot” will most likely get cheap premium rates as well as save quite a bit of money when switching.

Potential insureds who do not meet the “perfect” profile may be forced to pay a higher premium with the end result being the customer buying from a different company. The ads state “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can confidently claim big savings.

Because of this risk profiling, it is so important to compare many company’s prices. Because you cannot predict the company that will have better premium rates than you’re paying now.

Do you qualify for discounts?

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be requested specifically before being credited.

  • Student in College – Any of your kids living away from home attending college and leave their car at home could qualify for this discount.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you will save at least 10% off all policies.
  • Membership in Organizations – Affiliation with a qualifying organization could qualify you for a break when getting a insurance quote.
  • Discount for Swiching Early – Some car insurance companies reward drivers for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • E-sign – A handful of larger companies will discount your bill up to fifty bucks simply for signing on the internet.
  • Waiver for an Accident – Not necessarily a discount, but certain companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
  • Defensive Driver Discount – Passing a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
  • Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates when compared to bad drivers.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off the personal injury premium cost.
  • Driver’s Education for Students – Cut your cost by having your teen driver complete a driver education course in school.

Keep in mind that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

To locate insurers that offer some of these discounts, follow this link.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • What is an SR-22 filing?
  • How high should my medical payments coverage be?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving someone else’s vehicle?
  • What if I total my 2008 Audi A4 and owe more than it’s worth?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

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

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Insurance coverages 101

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Medical expense coverage – Med pay and PIP coverage kick in for expenses for pain medications, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Audi A4.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, fire damage, damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as pain and suffering, medical expenses, medical services, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your A4 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, crashing into a ditch, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

And the best car insurance company is…

When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost while still protecting your assets.

There are still a few companies who may not offer online rate quotes and these small, regional companies prefer to sell through independent insurance agencies. Lower-priced 2008 Audi A4 insurance is definitely available both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from.

Additional information is located at the links below