Lower Your 2002 Audi A4 Car Insurance Rates

Searching for the cheapest insurance rates for your Audi A4? Sick and tired of not being able to afford to buy car insurance? You are in the same boat as millions of other consumers. Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive cheapest price

It’s important to compare rates occasionally since insurance rates change frequently. Just because you found the lowest rates on A4 coverage a few years ago you will most likely find a better rate today. You can find a lot of wrong information about insurance on the web, but I’m going to show you some guaranteed methods to reduce your insurance bill.

The best way to compare insurance rates in your area is to know the trick car insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information including how much education you have, what you do for a living, if you lease or own, and if you have an active license. That information is submitted instantly to multiple top-rated companies and you will receive price estimates very quickly.

Audi A4 rates influenced by many factors

An important part of buying insurance is that you know some of the elements that help determine insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Traffic citations inflate rates – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that can waste your money on your insurance policy. Insurance for personal injury protection, accident forgiveness and membership fees may be costing you every month. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • The more you drive the more you pay – The more miles you rack up on your Audi in a year’s time the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your A4 can result in significantly higher rates.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive insurance rates.
  • More than one policy can earn a discount – The majority of insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to ensure the best deal. Consumers may find better rates by insuring with multiple companies.
  • Do you have a high stress job? – Occupations such as lawyers, executives and stock brokers tend to have the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations such as scientists, students and the unemployed receive lower rates on A4 coverage.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some may not be applied and must be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Own a Home – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on A4 coverage.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on A4 coverage depending on your company.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on A4 coverage than drivers with accidents.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

To see a list of companies with discount insurance coverage rates, follow this link.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when delivering products for my home-based business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving a rental car?
  • If my 2002 Audi A4 is totaled, can I afford another vehicle?
  • Is my custom paint covered by insurance?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverages

Understanding the coverages of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, ambulance fees, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – This protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, loss of income, legal defense fees, structural damage and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

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

Collision insurance covers things such as crashing into a building, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Audi A4.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Feed the piggy bank

You just read a lot of tips how to get a better price on 2002 Audi A4 insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Cost effective insurance is attainable online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance coverage companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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