Cheap 2006 Audi A4 Car Insurance Quotes

Looking for lower car insurance rates for your Audi A4? Finding low-cost insurance for a new or used Audi A4 can be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to compare rates for a new or used Audi and locate the best price possible.

It’s a good habit to take a look at other company’s rates every six months because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates for A4 coverage a few years ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.

Buying the lowest cost protection is simple if you know the tricks. If you have a current insurance policy or are looking for a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Consumers just need to understand the best way to shop their coverage around on the web.

Why smart consumers pay less for Audi A4 insurance

A large part of saving on car insurance is knowing some of the elements that play a part in calculating the level of your policy premiums. If you understand what influences your rates, this enables informed choices that can help you get much lower annual insurance costs.

The items below are some of the items car insurance companies consider when setting your rate level.

• Liability coverage claims can be big – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found liable for damages from an accident. It will provide you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• City traffic equals higher premiums – Having an address in areas with lower population can be a good thing when talking about car insurance. City drivers tend to have more aggressive driving styles and higher rates of accident claims. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.
• Good drivers pay the best rates – How you drive can have a huge impact on auto insurance premiums. Drivers who don’t get tickets get better rates as compared to those with violations. Only having one citation may increase your cost forty percent or more. Drivers unfortunate enough to have flagrant violations such as DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
• Vehicle options that cut prices – Owning a car with a theft deterrent system can help bring down rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.
• Having a spouse is a good thing – Being married can get you a discount compared to being single. It generally demonstrates drivers are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Lower stress equals lower prices – Do you work in a high-stress field? Occupational choices like fire fightersair traffic controllers and medical professionals tend to have the highest average rates because of intense work-related stress and long work hours. Conversely, occupations like scientists, engineers and performers have the lowest average rates for A4 coverage.
• Stay claim-free and reduce car insurance rates – Companies award most affordable rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended for more catestrophic claims.
• How credit rating affects car insurance premiums – Having a good credit score will be a significant factor in determining what you pay for car insurance. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with bad credit. Therefore, if your credit leaves room for improvement, you could save money insuring your 2006 Audi A4 by improving your credit score.

Insurance coverage companies offer lots of discounts

Some providers do not list all available discounts very well, so the following is a list of some of the best known as well as the least known discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit available, you’re paying more than you need to.

• Drive Safe and Save – Insureds without accidents can save as much as half off their rates for A4 coverage than drivers with accident claims.
• Own a Home – Just being a homeowner may trigger a policy discount on insurance coverage because owning a home is proof that your finances are in order.
• Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
• Braking Control Discount – Cars with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Senior Citizen Rates – Seniors are able to get a discount up to 10% for A4 coverage.
• Claim Free – Drivers who stay claim-free get the best insurance coverage rates when compared with policyholders that have many claims.
• Early Renewal Discounts – Select larger companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
• First Accident Forgiveness – Not really a discount, but a few companies such as Geico, Allstate and Liberty Mutual will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Some companies that may include most of these discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

When comparing rates, check with every prospective company which discounts you may be entitled to. Discounts might not apply in your area. To view companies that provide some of the discounts listed above, click here to view.

The largest companies are not always cheapest

Consumers can’t avoid all the ads that claim the cheapest premium rates from companies such as Progressive, Allstate and Geico. All the ads say the same thing about how much you will save if you change your car insurance coverage to their company.

How do they all lower your premium rates? Just pay attention to how they say it.

Insurance companies quote the lowest rates for the type of driver that will not have excessive claims. For instance, a profitable customer might be over age 30, has no prior claims, and drives a safe vehicle. Any customer who matches that profile will get the preferred premium rates and as a result will probably save a lot if they switch.

Potential customers who don’t measure up to these stringent criteria will be charged a more expensive rate and ends up with the customer not buying. The ad wording is “people that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can make those statements.

Each company has different criteria, so you really need to get car insurance quotes as often as possible. It’s just too difficult to predict which company will have better premium rates than you’re paying now.

Do I just need basic coverages?

When buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

• What companies insure drivers after a DUI or DWI?
• How many claims can I have before being cancelled?
• Will filing a claim cost me more?
• Do I need to file an SR-22 for a DUI in my state?
• What is the rate difference between pleasure use and commuting?
• Do I need roadside assistance coverage?
• When should I remove comp and collision on my 2006 Audi A4?
• When should I buy a commercial auto policy?
• Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2006 Audi A4.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability

This coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, damage from flooding and theft. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Be a money saver!

Some insurance providers do not provide online price quotes regional insurance providers sell through local independent agents. Cheap 2006 Audi A4 insurance can be bought online and from local insurance agents, so you should compare both so you have a total pricing picture.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone dropped liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Drivers switch companies for many reasons like high prices, an unsatisfactory settlement offer, policy cancellation and lack of trust in their agent. Regardless of your reason, switching insurance coverage companies can be easier than you think.

More detailed insurance coverage information is available at these sites:

• Side Impact Crash Tests (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Red Light Cameras (State Farm)