Cheap 2015 Audi A4 Insurance Quotes

Confused by the number of car insurance choices? Lot’s of other consumers are too. There are so many companies to choose from that it can turn into a real hassle to locate the lowest price.

You should take the time to compare prices yearly since insurance rates are variable and change quite frequently. If you had the best rates for A4 coverage six months ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Compare the Market for Insurance Coverage

All the larger insurance coverage companies give prices for coverage on the web. Getting online quotes is fairly simple as you just enter your coverage information as detailed in the form. Once you submit the form, the company’s rating system collects your credit score and driving record and returns a price based on these and other factors.

This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible in order to get a lower rate.

Rate comparisons made easy

An easier way to lower your rates is to use a quote form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much more efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the returned quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you will know how your current rates stack up.

To save time and compare pricing, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. Doing this assures you will receive a rate comparison using the same coverage and limits.

Discounts are basically free money

Car insurance companies do not list all available discounts very clearly, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

• Safety Course Discount – Taking part in a defensive driving course could save 5% or more depending on where you live.
• Government Employees – Being employed by or retired from a federal job can save as much as 8% for A4 coverage depending on your company.
• Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
• Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
• Low Mileage – Keeping the miles down on your Audi can qualify you for discounted rates on garaged vehicles.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

For a list of providers who offer car insurance discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you would benefit from professional advice.

• Can I make deliveries for my home business?
• Am I getting all the discounts available?
• Why am I required to get a high-risk car insurance policy?
• Should I buy only the required minimum liability coverage?
• Can I afford low physical damage deductibles?
• When can I cancel my policy?
• Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Knowing the specifics of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision – This pays for damage to your A4 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

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

Comprehensive insurance covers claims such as fire damage, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as attorney fees, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, rehabilitation expenses, hospital visits and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists 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.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.