Cheaper 1998 Audi A4 Insurance Cost

Having to pay for overpriced auto insurance can take a big chunk out of your checking account, especially in this economy. Comparison shopping is a smart way to make sure you’re not throwing money away. Multiple auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to find the lowest rate

Smart consumers take time to get comparison quotes at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal on A4 coverage a couple years back you will most likely find a better rate today. Don’t believe everything you read about auto insurance on the internet, so we’re going to give you a lot of great tips on how to find affordable auto insurance.

These discounts can lower your rates

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but less common discounts must be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

  • Multiple Policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on A4 coverage than drivers with accident claims.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Save over 55 – Older drivers may be able to get a discount up to 10% on A4 coverage.
  • No Claims – Drivers who don’t have accidents pay less as compared to drivers who are more careless.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.

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

How to Compare Car Insurance Rates

Getting a cheaper price on 1998 Audi A4 insurance is not a difficult process. You just have to invest a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do boring form submissions for each company you want a rate for. A single form will get you rate comparisons direct from many companies.

Another way to compare prices requires you to visit the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want rates from Geico, Allstate and Travelers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you are comparing apples-to-apples information on every quote. If the quotes have unequal deductibles or liability limits you will not be able to find the best deal for your Audi A4.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight whether you could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • What is UM/UIM insurance?
  • Can I rent a car in Mexico?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I drop comprehensive coverage on older vehicles?
  • Is upholstery damage covered by car insurance?
  • Who is covered when they drive my 1998 Audi A4?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance 101

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Collision coverages – Collision coverage covers damage to your A4 resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, dental work, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi A4.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, rock chips in glass, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, 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 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, structural damage and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Buy online or local, you save

Throughout this article, we presented quite a bit of information on how to reduce 1998 Audi A4 insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with a lesser-known regional company. They may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

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