8 Discounts Consumers Neglect when Buying Insurance Online for an Audi A4

Consumers have lots of choices when looking for affordable Audi A4 insurance. You can either spend your time driving around getting price quotes or save time using the internet to make rate comparisons. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Audi and locate the lowest possible price from local insurance agents and online providers.

Consumers need to do rate comparisons at least once a year because rates are variable and change quite frequently. Just because you found the best deal on A4 coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Drivers only need an understanding of the proper way to compare prices on the web.

How to Compare Car Insurance Costs

Finding a better price on car insurance isn’t really that difficult. Drivers just need to take time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

• Probably the best way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do repetitive form entry for each company you want a rate for. Completing one form gets you price quotes from several companies. It’s the fastest way to compare.
• A different way to compare prices consists of visiting each individual company website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from State Farm, GEICO and Allstate. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

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

It’s your choice how you get your quotes, but be sure to compare identical coverage limits and deductibles for each price quote. If you have different limits and deductibles on each one it will be very difficult to determine the best price for your Audi A4.

Save big with these eight discounts

Car insurance companies don’t always advertise every discount very well, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

• Distant Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
• Military Discounts – Being deployed with a military unit can result in better rates.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of up to 25% or more.
• Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy can get a discount on all vehicles.
• Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on A4 coverage.
• Homeowners Discount – Owning a house may earn you a small savings because maintaining a house shows financial diligence.

It’s important to understand that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income, legal defense fees, medical services and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, pain medications, X-ray expenses, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers 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

Collision insurance

Collision insurance pays for damage to your A4 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, rock chips in glass, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

More quotes mean more savings

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

In this article, we covered a lot of information how to lower your Audi A4 insurance rates. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

Cheap Audi A4 insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.