Lower Your 2010 Audi A4 Insurance Quotes

Looking for the cheapest auto insurance rates for your Audi A4? Price shopping your Driversauto insurance is always slightly frustrating for drivers who are beginners to online comparison shopping. With so many options of insurers to choose from, it can quickly become a difficult challenge to lower your rates.

Consumers need to compare rates at least once a year because auto insurance rates are variable and change quite frequently. Even if you got the lowest rate for A4 coverage a few years ago you can probably find a better price now. Ignore everything you know about auto insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Finding the lowest cost auto insurance is not that difficult. But drivers need to learn how insurance companies price insurance differently and apply this information to your search.

Affordable auto insurance quotes

All the larger auto insurance companies provide coverage prices direct online. Doing online price comparisons is possible for anyone because you just enter the amount of coverage you want into a form. Once you submit the form, their rating system orders your driving record and credit report and provides a quote based on many factors.

This makes it easy to compare insurance prices but having to visit different websites and type in the same data is not the best way to spend an afternoon. But it’s necessary to do this in order to find the lowest price.

There is a better way to compare rates

A less time-consuming method to find lower prices uses one form that analyzes rates from a lot of companies. This type of form saves time, requires much less work on your part, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is rated and you can select any of the resulting price quotes.

If you find a better price you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you duplicate the limits and deductibles as shown on your current policy. This guarantees you’re receiving a price comparison for the exact same coverage.

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Earn discounts to get lower-cost car insurance quotes

Car insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that can help lower your rates. Some of these disounts will be visible at quote time, but once in a while a discount must be specifically requested before you will receive the discount.

• More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
• Defensive Driver Discounts – Taking time to complete a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
• Professional Organizations – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your next car insurance statement.
• Distant Student – Kids who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if your situation will benefit from professional help.

• Can my teen drive my company car?
• Where can I get insurance after a DUI in my state?
• Does car insurance cover theft of personal property?
• Am I covered if my car is in a flood?
• Will I be non-renewed for getting a DUI or other conviction?
• Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Why your insurance rates might be higher

Many things are used when you get a price on insurance. Some are pretty understandable like an MVR report, but other factors are more obscure like your vehicle usage and annual miles driven.When buying insurance coverage it’s important to understand the different types of things that aid in calculating insurance coverage rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may result in cheaper rates.

The itemized list below are just a few of the factors that factor into premiums.

• Deter vehicle theft – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
• Lower rates for safer vehicles – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less and lower rates for you. If the Audi A4 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Companies want multiple policies – The majority of insurance coverage companies afford discounts to customers that have more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to comparison shop to verify if the discount is saving money.
• Too many policy claims will drive premiums up – If you file claims often, don’t be surprised to see much higher rates or policy non-renewal. Companies provide most affordable rates to people who do not file claims often. Your car insurance is intended for more catestrophic claims.
• Lower comp and collision deductibles cost more – Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay in the event of a claim. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, animal collisions, and damage from wind. The more damage repair cost the insured is willing to pay, the less your insurance coverage will be for A4 coverage.
• Gender is a factor – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. They both have fender benders in similar numbers, but the male of the species get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
• Do you save by driving less? – The higher the mileage driven annually the more you’ll pay to insure it. Most insurance companies rate vehicles based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level than those that get driven frequently. Improper usage on your A4 may be costing you higher rates. Double check that your policy is rated on the correct usage, because it can save money.

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Auto insurance coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, colliding with a tree, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, funeral expenses, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for prosthetic devices, surgery, funeral costs, doctor visits and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, vandalism, hitting a bird and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Get your money’s worth

Budget-friendly insurance is available on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer rates over the internet and most of the time these small insurance companies provide coverage only through local independent agencies.

Insureds switch companies for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even high prices. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

When searching for low cost auto insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best price, not the least amount of coverage.

To learn more, take a look at the following helpful articles:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Older Drivers FAQ (iihs.org)