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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 26, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want the cheapest insurance coverage rates for your Audi A4? Have you finally had enough of scraping the payment together to make your insurance coverage payment? Your situation is no different than millions of other vehicle owners.

Big-name insurance companies like Progressive, State Farm and GEICO constantly bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Car insurance companies offer lots of discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be manually applied before being credited.

  • Early Switch Discount – Some larger companies reward drivers for buying a new policy prior to your current policy expiring. It could save around 10% when you buy car insurance online.
  • Telematics Data – Insureds who allow their insurance company to look at driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
  • Student in College – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on A4 insurance depending on your car insurance provider.
  • Home Ownership Discount – Just owning your own home can save a few bucks because of the fact that having a home requires personal responsibility.
  • Low Mileage Discounts – Low annual miles could qualify for lower rates on the low mileage vehicles.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small discount on rates on A4 insurance.
  • Memberships – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your next car insurance statement.
  • Accident Free – Claim-free drivers get the best car insurance rates when compared to bad drivers.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, company stockholders wouldn’t be very happy. But any discount will cut your overall bill.

A list of companies and their possible discounts are:

  • State Farm may include discounts for student away at school, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and safe vehicle.
  • Farmers Insurance has savings for electronic funds transfer, homeowner, teen driver, multi-car, and mature driver.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, online quote discount, and homeowner.
  • GEICO offers discounts for federal employee, multi-vehicle, multi-policy, anti-lock brakes, good student, membership and employees, and emergency military deployment.
  • Auto-Owners Insurance offers premium reductions for multiple vehicles, anti-lock brakes, teen driver, mature driver, safe vehicle, and multi-policy.
  • The Hartford may have discounts that include anti-theft, driver training, vehicle fuel type, bundle, air bag, defensive driver, and good student.
  • Farm Bureau includes discounts for good student, youthful driver, multi-vehicle, 55 and retired, and renewal discount.
  • USAA has discounts for good student, loyalty savings, multi-vehicle, vehicle storage, defensive driver, driver training, and annual mileage.

Before purchasing a policy, check with each company or agent which discounts they offer. All car insurance discounts might not be offered in your state.

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

secured lock Secured with SHA-256 Encryption

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining whether or not you might need professional guidance.

  • Am I covered if I wreck a rental car?
  • What is an SR-22 filing?
  • Do I need replacement cost coverage on my 2017 Audi A4?
  • Is my trailer covered?
  • Does my insurance cover a custom paint job?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

The auto insurance bait and switch

Big name companies like Progressive, GEICO, Allstate and State Farm endlessly run ads in print and on television. All the ads make the point that you’ll save big just by switching your policy. That’s great but how can every company charge lower premium rates? It’s all in the wording.

Auto insurance companies have an ideal profile for the type of driver they prefer to insure. One example of this type of driver should be a married male, has no tickets, and does not commute to work. Anybody that hits that “sweet spot” receive the lowest rate quotes and have a good chance to save money with a new company.

Insureds who do not meet these standards will probably have to pay higher premium rates and this results in the customer not purchasing. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” can save as much as they claim. This is how companies can claim big savings. Because each company has a different risk profile, it is so important to compare quotes as often as possible. It’s not possible to predict with any certainty which company will be your best fit.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive auto coverage

This pays for 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 things like hitting a deer, rock chips in glass, damage from a tornado or hurricane, falling objects and theft. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2017 Audi A4.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, rehabilitation expenses, prosthetic devices and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your A4 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, scraping a guard rail, sustaining damage from a pot hole, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.


Liability coverage will cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, court costs, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

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

secured lock Secured with SHA-256 Encryption

Get your money’s worth

The cheapest 2017 Audi A4 insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer rates over the internet and many times these smaller providers provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best cost.

We just presented a lot of techniques to get a better price on 2017 Audi A4 insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional resources