1996 Audi A4 Car Insurance Quotes – 8 Tricks for Cheaper Rates

Having to pay for overpriced Audi A4 insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Doing a price comparison is a great way to make sure you’re not throwing money away. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute best rates possible.

If you have a policy now or need new coverage, you can use this information to cut your premiums and possibly find even better coverage. Finding affordable coverage is not that difficult. Vehicle owners only need to know the most efficient way to shop their coverage around online.

The quickest way to compare insurance rates from multiple companies utilizes the fact most insurance companies participate in online systems to give you rate quotes. The one thing you need to do is give them rating details such as your occupation, driver ages, if it has an alarm system, and if you lease or own. That information gets transmitted to multiple companies and they respond with quotes instantly to find the best rate.

To start a rate quote now, click here and enter your zip code.

Beware of misleading car insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate, Geico and Progressive. They all seem to have a common claim of big savings if you move your coverage to them.

How can each company make the same claim?

All companies have a certain “appetite” for the driver they prefer to insure. For instance, a desirable insured might be over the age of 40, a clean driving record, and has a short commute. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t measure up to this ideal profile must pay higher rates and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make those claims.

This illustrates why drivers should compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest Audi A4 insurance rates.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Student in College – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
  • Safe Driver Discount – Safe drivers may save up to 50% more on A4 insurance than less cautious drivers.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Accident Forgiveness – A few companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for better auto insurance rates on A4 insurance.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

For a list of insurers offering auto insurance discounts, click here.

Everyone needs different coverages

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Is a new car covered when I drive it off the dealer lot?
  • When does my teenage driver need to be added to my policy?
  • Is my state a no-fault state?
  • If my 1996 Audi A4 is totaled, can I afford another vehicle?
  • Am I covered when driving a rental car?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, colliding with another moving vehicle, backing into a parked car, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses such as funeral costs, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi A4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from a tornado or hurricane and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

At the end of the day…

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced full coverage only to discover later they didn’t have enough coverage. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Lower-priced 1996 Audi A4 insurance is possible on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide online quoting and these small insurance companies work with independent agents.

We’ve covered many ways to lower your insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Additional information