2006 Audi A4 Insurance Quotes – 6 Ways to Save

Looking for better insurance rates for your Audi A4? Buying the lowest cost insurance on the web may seem to be challenging for vehicle owners that are relatively new to buying their insurance over the internet. With such a large choice of online companies, how are we expected to have the ability to compare every insurance company to find better insurance prices?

It’s a great practice to shop coverage around once or twice a year because insurance prices change frequently. Just because you found the best rates on A4 coverage last year other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.

If you have car insurance now, you will be able to cut costs considerably using this information. The purpose of this article is to help you learn how to get online quotes and some tricks to saving. But car owners do need to understand the way companies sell online.

Compare quotes for auto insurance

To find cheap insurance quotes, there are several ways of comparing rate quotes from many available auto insurance companies in your state. The simplest method to find the cheapest 2006 Audi A4 insurance rates is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This quick form keeps you from doing separate quote forms for each price estimate. A single form will get you price quotes from all major companies. It’s the fastest way to compare.

A more time consuming way to find lower rates requires you to visit the website for every company you want to comare and request a quote. For instance, let’s say you are doing a rate comparison from Geico, Farmers and State Farm. To do that, you would have to go to every website and type in your information over and over, which can get rather old.

To view a list of companies in your area, click here.

The old school way to compare price quotes is driving around to each insurance agency near you. Buying insurance online eliminates the middleman unless you prefer the guidance that you can only get from talking to an agent. Although, it is possible get the lowest quotes online but purchase the actual policy in an agency.

Whichever method you choose, make sure you are using equivalent coverages on every quote. If you have higher or lower deductibles it’s impossible to determine the lowest rate for your Audi A4. Even a minor difference in insurance coverages could skew the results. And when price shopping your coverage, comparing more quotes increases your odds of finding the best offered rates.

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You may qualify for discounts

Companies don’t necessarily list every discount in an easy-to-find place, so the following list contains some of the best known and also the lesser-known credits that may apply to you.

• Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• Bundled Policy Discount – If you can combine your auto and home policy and place coverage with the same company you could save at least 10 to 15 percent or more.
• Passive Restraints and Air Bags – Factory air bags may qualify for discounts of more than 20%.
• Paperless Signup – A few larger online companies will give a small break simply for signing digitally online.
• No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a certain period of time.
• Defensive Driver – Completing a safe driver course may get you a small discount and easily pay for the cost of the class.

One last thing about discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount should definitely cut your policy premium.

Auto insurance companies that may have some of the discounts shown above include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before purchasing a policy, check with each insurance company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to view insurance companies who offer cheap auto insurance quotes, click here.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• What exactly is covered by my policy?
• Does liability extend to a camper or trailer?
• When should I remove comp and collision on my 2006 Audi A4?
• How can I get my company to pay me more for my totalled car?
• Are split liability limits better than a combined single limit?
• I have health insurance so do I need medical payments coverage?
• What are the best liability limits?
• Is my state a no-fault state?
• Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Ads can be misleading

Insurance coverage companies such as Allstate and Progressive constantly bombard you with ads in print and on television. All the companies state the claim about savings if you move your coverage. It sounds good, but how can they all give you a better price? It’s all in the wording.

All the different companies quote their cheapest rates for the driver that earns them a profit. For instance, a preferred risk might have to be a married female, has a clean driving record, and drives less than 5,000 miles a year. Any new insured that fits those parameters may get the lowest premium rates and as a result will probably save some money.

People who cannot meet these standards will be quoted a more expensive rate and the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save money. That is how companies can truthfully make it sound like they have such great car insurance rates. This really emphasizes why drivers should compare free insurance quotes often. It is just not possible to predict the company that will provide the lowest rates.

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Specific coverages for an Audi A4

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability – Liability coverage can cover damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy 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 a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, funeral expenses, court costs and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, pain medications, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Audi A4.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, driving through your garage door, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, rock chips in glass and falling objects. The highest amount 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 probably time to drop comprehensive insurance.

Take this to the bank

Affordable 2006 Audi A4 insurance can be sourced both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide internet price quotes and most of the time these small, regional companies work with local independent agents.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where someone sacrificed physical damage coverage and discovered at claim time that it was a big mistake. The goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of information how to get a better price on 2006 Audi A4 insurance. The key concept to understand is the more you quote insurance, the better your comparison will be. You may even find the best price on insurance is with some of the lesser-known companies.

Other learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Determing Auto Insurance Rates (Geico)

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