How Much Does 1997 Audi A4 Insurance Cost?

Searching for cheaper insurance for an Audi A4 can normally be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to compare auto insurance rates so we’re going to tell you the quickest way to quote coverages for your Audi and obtain the cheapest rates from both online companies and local agents.

You should make it a habit to do rate comparisons periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates on A4 coverage a few years ago you may be paying too much now. There is too much inaccurate information about auto insurance on the web, but I’m going to show you a lot of great tips on how to quit paying high auto insurance rates.

Buying car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to understand the proper way to get comparison rates online.

Your Audi A4 insurance rate is a complex equation

It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Rates may be lower depending on your job – Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, architects and financial analysts tend to pay higher average rates due to high stress levels and long work hours. Conversely, jobs such as actors, engineers and performers have the lowest average rates on A4 coverage.
  • Lower deductibles cost more – Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on A4 coverage.
  • Rural vs Urban Areas – Living in small towns and rural areas has it’s advantages when it comes to auto insurance. Urban drivers have congested traffic and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will rates go up, getting caught without coverage might get you a hefty fine and possibly a revoked license.

Which Auto Insurance is Cheapest?

Getting better 1997 Audi A4 auto insurance pricing can be quick and easy. The only requirement is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate forms for every auto insurance company. Taking the time to complete one form gets you price quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A more difficult way to compare rate quotes is to manually visit the website of each company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Nationwide, Esurance and Allstate. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits for each price quote. If you enter mixed coverages it will be impossible to make an equal comparison.

Do you qualify for a discount?

Car insurance companies don’t always advertise every available discount very well, so we took the time to find some of the more common and also the lesser-known ways to save on insurance. If you don’t get every credit available, you’re paying more than you need to.

  • New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Distant Student – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on A4 coverage.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on A4 coverage depending on your company.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way.

To see a list of insurance companies with discount insurance rates, click here to view.

What coverages do I need?

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Is extra glass coverage worth it?
  • Do I need PIP coverage since I have good health insurance?
  • Does my 1997 Audi A4 qualify for pleasure use?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage options for a 1997 Audi A4

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, fire damage, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance covers damage to your A4 from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as doctor visits, nursing services, chiropractic care, dental work and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A4.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, structural damage, pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

The best insurance company isn’t always the cheapest

Cost effective 1997 Audi A4 insurance can be bought online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price.

Drivers switch companies for a variety of reasons including poor customer service, questionable increases in premium, unfair underwriting practices or not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

Much more information about insurance coverage can be found on the following sites: