How Much Does 2008 Audi A4 Insurance Cost?

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other consumers.

Because you have many companies and agents to choose from, it can be diffult for consumers to pick the most affordable company.

Discounts can save BIG

Companies that sell car insurance do not advertise every discount very clearly, so we researched both well-publicized and the more hidden car insurance savings.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Paperwork-free – Certain companies may give you up to $50 simply for signing online.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill if your company offers it.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies who might offer these money-saving discounts are:

Check with each insurance company which discounts you may be entitled to. Discounts might not be offered everywhere.

Auto Insurance Prices

When shopping for auto insurance there are multiple ways to compare quotes from auto insurance companies in your area. The recommended way to find the cheapest 2008 Audi A4 insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  1. The most efficient way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing boring form submissions for each company. One form submission will get you rate comparisons from all major companies.
  2. Another way to get quotes online is going to the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare rates from Liberty Mutual, Allstate and Travelers. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

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

  3. The hardest method of comparing rate quotes is to drive around to different agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. It is possible to comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage information on every quote. If your comparisons have different limits and deductibles on each one it will be very difficult to make a fair comparison for your Audi A4. Just a small difference in limits may result in large price differences. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Will just any policy work for me?

When choosing the best car insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you may require specific advice.

  • Am I covered if my car is in a flood?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will filing a claim cost me more?
  • What can I do if my company denied a claim?
  • Is motorclub coverage worth it?
  • Am I missing any policy discounts?
  • Will my insurance pay for OEM parts?
  • Is my babysitter covered when using my vehicle?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverages for an Audi A4

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance – This coverage will cover damage that occurs to other people or property. This coverage protects you from claims by other people, and does not provide coverage for 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 values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, bail bonds and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hail damage, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision – This coverage pays for damage to your A4 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

When you buy insurance online, do not reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Affordable 2008 Audi A4 insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

For more information, link through to the resources below: