1996 Audi A4 Insurance Quotes

Trying to find cheaper car insurance rates for your Audi A4? Finding the lowest price for car insurance is challenging if you’ve never compared online price comparisons. Don’t let that stop you because online price shopping is actually quite simple.

Automobile Insurance Quotes

All major insurance coverage companies allow you to get coverage prices directly from their websites. Getting quotes is quite easy as you simply enter the coverage amounts you desire into a form. After you complete the form, their system gets your driving record and credit report and provides a quote.

Being able to quote online makes it a lot easier to compare rates but the time required to go to multiple sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to get the lowest possible prices on insurance coverage.

An easier way to compare rates uses one simple form that gets price quotes from many companies. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It only takes a few minutes and you’ll know if lower rates are available.

To quickly compare rates now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you will be getting rate comparison quotes using the exact same coverages.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might help in determining whether you could use an agent’s help.

• If I drive on a suspended license am I covered?
• Are my friends covered when driving my car?
• Will I be non-renewed for getting a DUI or other conviction?
• How high should deductibles be on a 1996 Audi A4?
• Am I covered by my spouse’s policy after a separation?
• Does insurance cover damages from a DUI accident?
• Is my custom paint covered by insurance?
• Will filing a claim cost me more?
• If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, dental work, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed, damage from a tornado or hurricane and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your A4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.