2014 Audi A4 Insurance Quotes – 6 Tips for Best Rates
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UPDATED: Oct 5, 2015
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Trying to find better insurance coverage rates? Buyers have a choice when searching for low-cost Audi A4 insurance. You can either spend your time calling around getting price quotes or use the internet to compare rates.
There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to get price quotes on a Audi and find the lowest possible price from both online companies and local agents.
This information will let you in on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will be able to cut costs considerably using these methods. Consumers only need to know the proper way to get comparison rates over the internet.
How much is insurance coverage?
There are several ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.
Most of the best insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each company can provide price quotes based on that information. This system prevents you from having to do form submissions to each company.
To enter your information into the quoting system, click here to open in new window.
One minor caviat to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose individual companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.
Whichever way you use, compare nearly identical deductibles and coverage limits on every price quote you get. If the quotes have different values for each quote it’s impossible to make a fair comparison for your Audi A4.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Do I just need basic coverages?
When choosing coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine whether your personal situation would benefit from professional advice.
- When should I buy a commercial auto policy?
- Should I buy full coverage?
- Am I covered if my car is in a flood?
- What is no-fault insurance?
- Will filing a claim cost me more?
- Is motorclub coverage worth it?
- Do I really need UM/UIM coverage?
- Do I get a pro-rated refund if I cancel my policy early?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Specific coverage details
Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2014 Audi A4.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, fire damage and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage pays for damage to your A4 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like crashing into a ditch, rolling your car, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Coverage for medical expenses
Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, X-ray expenses, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for 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. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as emergency aid, funeral expenses, repair costs for stationary objects, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.