Compare 2012 Audi A4 Car Insurance Quotes

Searching for cheaper auto insurance rates for your Audi A4? If you’ve never shopped for auto insurance online, it’s easy to get confused due to the large number of auto insurance companies all offering big savings.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Although drivers must know how the larger insurance companies price insurance differently because it can help you find the best coverage.

Free Quotes for Car Insurance

To find the best car insurance prices, there are several ways of comparing rate quotes from car insurance companies in your area. The easiest way to find the cheapest 2012 Audi A4 insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

1. One of the simplest ways consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quotes for each company you want a rate for. Completing one form gets you price quotes from all major companies. It’s the fastest way to compare.
2. A less efficient way to compare prices requires visiting each company website and fill out their own quote form. For example, let’s say you want to compare rates from Progressive, State Farm and Travelers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

   To view a list of companies in your area, click here.

3. The least efficient way to get comparison rates is driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed agents. Drivers can get prices online but buy from a local insurance agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make sure you use exactly the same coverage limits for each price quote. If each company quotes different deductibles then you won’t be able to determine the best price for your Audi A4. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies gives you a better chance of getting the best offered rates.

Don’t miss these discounts

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance.

• No Accidents – Claim-free drivers pay much less as compared to accident-prone drivers.
• Military Discounts – Having a deployed family member could be rewarded with lower premiums.
• Own a Home – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% on A4 insurance with select insurance companies.
• Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
• Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for auto insurance on A4 insurance.
• Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
• Air Bag Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurance companies with discount auto insurance rates, click here.

When might I need help?

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you would benefit from an agent’s advice.

• Can I afford to buy a different vehicle if my 2012 Audi A4 is totaled?
• How much liability insurance is required?
• Do I need roadside assistance coverage?
• Where can I find DUI or SR-22 insurance?
• Is upholstery damage covered by car insurance?
• Should I buy full coverage?
• Am I missing any policy discounts?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does coverage extend to Mexico or Canada?
• Can my teen drive my company car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, hitting a mailbox, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, surgery, funeral costs, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, theft, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.