2018 Audi A4 Insurance Quotes

Trying to find better insurance prices for an Audi A4 could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance online and you need to know the quickest way to get price quotes for a Audi and obtain the cheapest rates from both online companies and local agents.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Locating the lowest cost insurance coverage is quite easy. Drivers only need to know the proper way to compare prices on the web.

The cheapest auto insurance rate quotes

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and each company then returns a price quote based on that data. This eliminates the need for repetitive form submissions for each company. To find out what other companies charge click to open in new window.

The only downside to using this type of form is you can’t choose which companies you want pricing from. If you prefer to choose from a list of companies to compare, we have a page of companies who write auto insurance in your area. Click here to view list.

It’s up to you which method you use, but try to use the same information for every company. If you have different values for each quote it’s impossible to get a fair rate comparison.

Get affordable car insurance quotes with discounts

Some companies don’t necessarily list every available discount in an easy-to-find place, so we took the time to find a few of the more common and the more hidden savings tricks you should be using when you buy auto insurance online.

• Save with More Vehicles Insured – Buying a policy with multiple cars on one policy can get a discount for every vehicle.
• No Claims – Insureds with no claims or accidents can earn big discounts when compared with insureds who have frequent claims or accidents.
• Distant Student – Older children who are attending college without a vehicle on campus can receive lower rates.
• Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
• Savings for New Vehicles – Buying a new car model can save up to 30% since newer models are generally safer.
• Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Defensive Driver Discount – Taking time to complete a defensive driving class is a good idea and can lower rates if you qualify.
• Early Signing – Some larger companies reward drivers for switching policies early. This discount can save up to 10%.
• Organization Discounts – Joining specific professional or occupational memberships or organizations can get you a small discount on car insurance.

Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Large car insurance companies and some of the premium reductions they offer are detailed below.

• State Farm has savings for safe vehicle, good student, anti-theft, driver’s education, Steer Clear safe driver discount, defensive driving training, and passive restraint.
• American Family policyholders can earn discounts including Steer into Savings, good student, TimeAway discount, early bird, and bundled insurance.
• Geico offers discounts for air bags, multi-policy, anti-lock brakes, anti-theft, membership and employees, and multi-vehicle.
• 21st Century offers discounts including driver training, student driver, air bags, early bird, theft prevention, good student, and 55 and older.
• Progressive includes discounts for multi-vehicle, online quote discount, multi-policy, homeowner, continuous coverage, and online signing.

If you need lower rates, check with each company or agent how you can save money. Some credits may not be available in your area. To locate insurance companies that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• Is my 2018 Audi A4 covered for flood damage?
• Do I have coverage for damage caused while driving under the influence?
• Are my friends covered when driving my 2018 Audi A4?
• Is my camper covered by my car insurance policy?
• Can I drive in Mexico and have coverage?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses for dental work, rehabilitation expenses, pain medications, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, legal defense fees, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverages – Collision coverage pays for damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, hitting a bird, a broken windshield and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.