Save on 2009 Audi A4 Car Insurance Rates

Trying to find lower insurance coverage rates for your Audi A4? Did budget coverage turn out to be an underperforming, overpriced insurance coverage policy? Trust us, many drivers have buyer’s remorse.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

You need to price shop coverage once or twice a year because insurance coverage prices change frequently. Despite the fact that you may have had the best price on A4 insurance a couple years back there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to quote online to find great coverage at a great price.

If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Finding the best rates is not that difficult. Although drivers do need to know how companies price insurance differently and apply this information to your search.

The cheapest insurance quotes

To find the cheapest auto insurance quotes, there are several ways to compare prices from many insurance companies in your state. One of the best ways to find the lowest 2009 Audi A4 rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate quotation requests for each price estimate. In just a few minutes this one form gets coverage cost estimates from several companies.

Another way to find more affordable insurance is to manually visit the website of each company and get a separate price quote. For sake of this example, we’ll assume you want to see prices from Nationwide, Allstate and Travelers. In order to compare rates, you need to take the time to go to each site and repeatedly enter your information, which is why most consumers use the first method.

For a list of companies in your area, click here.

Even if you have time, the least recommended method to compare rates is to spend your day driving to local insurance agencies. The ability to buy insurance online reduces the need to sit down with an agent unless you want the professional abilities that only a licensed agent can provide. However, consumers can find lower rates online and still use a local agent.

Whichever way you choose to compare rates, be sure to compare exactly the same coverage data for each comparison quote. If the quotes have differing limits it’s impossible to get a fair rate comparison. Just slight variations in coverage limits could skew the results. And when comparison shopping, quoting more helps increase your odds of locating more affordable insurance. Some smaller insurers to not give online price quotes, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Get cheaper insurance coverage with discounts

Companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the best known and also the more inconspicuous credits that you can use to lower your rates.

• Buy New and Save – Insuring a new car is cheaper since new model year vehicles are generally safer.
• Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
• Defensive Driver Discounts – Passing a course teaching safe driver skills is a good idea and can lower rates if you qualify.
• Senior Discount – Drivers that qualify as senior citizens may be able to get a discount up to 10% on A4 insurance.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and some of their more popular discounts are detailed below.

• Geico has savings for federal employee, daytime running lights, military active duty, anti-theft, and air bags.
• Travelers offers discounts including multi-policy, early quote, payment discounts, continuous insurance, save driver, multi-car, and good student.
• Farm Bureau may have discounts that include multi-vehicle, youthful driver, renewal discount, multi-policy, 55 and retired, and safe driver.
• Liberty Mutual discounts include newly married, newly retired, new graduate, preferred payment discount, and multi-car.
• American Family offers discounts for defensive driver, multi-vehicle, Steer into Savings, good driver, and TimeAway discount.
• Progressive policyholders can earn discounts including multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.

If you need cheaper auto insurance quotes, ask every prospective company how many discounts you can get. Some discounts might not be offered in every state. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine whether or not you might need professional guidance.

• I have health insurance so do I need medical payments coverage?
• What is PIP insurance?
• Do I need replacement cost coverage?
• Is upholstery damage covered by car insurance?
• Am I covered if I crash into my own garage door?
• Can my babysitter drive my car?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Quote Audi A4 insurance for less

Many different elements are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but some are less obvious like your vehicle usage or how financially stable you are.

The itemized list below are a partial list of the pieces that factor into premiums.

• Teenage drivers are expensive to insure – Inexperience drivers have a tendency to be easily distracted behind the wheel so they pay higher auto insurance rates. Adding a teen driver to your auto insurance policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents .
• Marriage pays dividends – Getting married may save some money when buying auto insurance. Having a significant other means you’re more stable financially and it’s proven that married drivers get in fewer accidents.
• Minor frequent insurance claims are not good – Insurance companies provide the lowest premiums to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
• Bundle policies and save – Some companies will give lower prices to insureds that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.
• High credit scores save money – Having a good credit rating can be a huge factor in calculating your premium rate. People that have high credit ratings tend to file fewer claims than those with lower ratings. Therefore, if your credit is low, you may save money insuring your 2009 Audi A4 by improving your rating.
• Prevent your car from being stolen – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.

The largest companies are not always cheapest

Insurance companies such as Geico, State Farm and Progressive continually stream ads on TV and radio. They all make the same claim that people will save after switching your policy. It sounds good, but how can they all give you a better price? This is the way they can do it.

Many companies can use profiling for the type of customer that earns them the highest profit. For example, a profitable customer might be a female over age 40, has had continuous coverage, and drives a vehicle with a low ISO rating. A customer who fits those characteristics will probably get the lowest car insurance rates and most likely will save when they switch companies.

Insureds who are not a match for the requirements will have to pay higher premiums and ends up with the customer not buying. The trick companies use is to say “people that switch” not “everybody who quotes” save money. That is how companies can truthfully make claims that they all have the best prices. Each company has different criteria, so it’s extremely important to get as many free auto insurance quotes as possible. It is just not possible to predict the company that will have the best premium rates.

Car insurance coverage information

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Liability coverages – Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2009 Audi A4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, hail damage and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, pain medications, EMT expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your A4 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, sideswiping another vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

The bottom line

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best possible price while still protecting your assets.

You just learned many tips how you can compare 2009 Audi A4 insurance car insurance rates online. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive auto insurance. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

More information can be found at these links:

• Electronic Stability Control FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Side Impact Crash Tests (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)