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: Aug 7, 2018

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Searching for low-cost insurance for an Audi A4 could be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to compare rates for your Audi and obtain the cheapest rates.

Smart consumers take time to get comparison quotes before your policy renews since insurance prices are rarely the same from one policy term to another. Just because you found the best rates on A4 coverage a year ago you can probably find a better premium rate now. You’ll find a ton of advice on auto insurance on the internet, but by reading this article, you’re going to learn the easiest ways to lower your auto insurance bill.

Lower your insurance rates

When buying insurance it’s important to understand some of the factors that come into play when calculating your policy premiums. If you understand what determines premiums, this enables you to make decisions that may result in lower premium levels.

The itemized list below are some of the major factors companies use to determine your rates.

  • Get better rates after the wedding – Having a significant other actually saves money when shopping for insurance. Having a spouse generally demonstrates drivers are more stable financially and insurance companies reward insureds because being married results in fewer claims.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Prevent insurance lapses – Allowing your coverage to lapse can be a quick way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Advanced theft deterrents – Driving a car that has a built-in theft deterrent system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
  • Insurance rates and your occupation – Did you know your occupation can influence how much you pay for insurance? Occupations like real estate brokerspolice officers and financial analysts have higher premium rates due to intense work-related stress and long work days. On the other hand, occupations such as professors, students and the unemployed have lower than average premiums on A4 coverage.

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

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Insurance coverage policy discounts you can’t miss

Companies offering auto insurance do not advertise every disount available in an easy-to-find place, so here is a list some of the best known as well as the least known discounts you could be receiving when you buy insurance online.

  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
  • Driver Training Discounts – Taking a course in safe driver can save you 5% or more and also improve your driving technique.
  • Paper-free Discount – Some larger companies may give you up to $50 for completing your application on the internet.
  • Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance on A4 coverage with some insurance coverage companies.
  • Distant College Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. But any discount should help reduce the cost of coverage.

A list of insurance coverage companies and a selection of discounts are outlined below.

  • State Farm offers premium reductions for Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, good driver, and student away at school.
  • Farmers Insurance policyholders can earn discounts including early shopping, pay in full, business and professional, teen driver, bundle discounts, and multi-car.
  • Progressive may offer discounts for online quote discount, online signing, continuous coverage, good student, multi-policy, and multi-vehicle.
  • GEICO may have discounts that include military active duty, emergency military deployment, driver training, membership and employees, and anti-theft.
  • Auto-Owners Insurance has savings for paperless, anti-lock brakes, mature driver, company car, multiple vehicles, safe vehicle, and group or association.
  • The Hartford may include discounts for vehicle fuel type, good student, driver training, air bag, and defensive driver.
  • Farm Bureau has discounts for renewal discount, driver training, good student, multi-vehicle, 55 and retired, multi-policy, and youthful driver.
  • USAA offers discounts for multi-policy, family discount, loyalty savings, new vehicle, vehicle storage, multi-vehicle, and defensive driver.

If you need lower rates, check with all the companies which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area. To choose providers who offer insurance coverage discounts, click here to view.

Beware of misleading insurance ads

Consumers constantly see and hear ads that promise big savings for switching from the likes of State Farm, Allstate and GEICO. They all seem to make the point that drivers can save some big amount just by moving to them.

How does every insurance company offer you a better deal? It’s all in the numbers.

Different companies have a preferred profile for the right customer that will generate a profit. For instance, a profitable insured might have to be over the age of 50, has never had a claim, and the vehicle is rated for pleasure use. Someone that hits that “sweet spot” may get the lowest prices and have a good chance to save some money.

Drivers who don’t meet these standards must pay higher premiums and business going elsewhere. If you pay attention, the ads say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can truthfully make those statements. This illustrates why you really should do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will have the best premium rates.

Insurance agents can help

When choosing proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • What is no-fault insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I wreck a rental car?
  • Is my dog or cat covered if injured in an accident?
  • Does my car insurance cover rental cars?
  • Should I have combined single limit or split liability limits?
  • Do I need higher collision deductibles?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

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Car insurance coverage considerations

Having a good grasp of your car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, bail bonds, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for funeral costs, chiropractic care, rehabilitation expenses, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – This will pay to fix damage to your A4 resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Knowledge is power

Drivers leave their current company for any number of reasons including not issuing a premium refund, high prices, denial of a claim and being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Cheaper insurance coverage is possible on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get quotes online and usually these small, regional companies only sell coverage through independent insurance agencies.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best price while still protecting your assets.

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