2007 Audi A4 Insurance Cost – 7 Savings Tips

Having to pay for overpriced Audi A4 insurance can dwindle your personal savings and put the squeeze on your family’s finances. Comparing price quotes is a smart way to lower your monthly bill.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and consumers find it hard to see through the deception and find the best price available.

The easiest way to compare car insurance rates is to know the trick most larger insurance companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide information like daily mileage, how old drivers are, if you have an active license, and if it has an alarm system. That information is submitted instantly to many of the top insurers and they return rate quotes within a short period of time.

To find the cheapest 2007 Audi A4 insurance rates, click here and enter your zip code.

Get lower rates on 2007 Audi A4 insurance

Car insurance companies do not advertise all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on A4 insurance with a few insurance coverage companies.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

Drivers should understand that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • How can I force my company to pay a claim?
  • Is my nanny covered when driving my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Does my 2007 Audi A4 qualify for pleasure use?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Auto liability insurance

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, legal defense fees, attorney fees, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for 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 coverage protects against things such as rock chips in glass, damage from getting keyed, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi A4.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, prosthetic devices, pain medications, dental work and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage