2006 Audi A4 Insurance Cost – 5 Tips to Save

Searching for the cheapest car insurance rates for your Audi A4? Cutting costs on car insurance is nearly impossible for consumers new to shopping for insurance online. People have so many choices that it can easily become a real challenge to find lower rates.

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Buying the best insurance coverage is not that difficult. Nevertheless, consumers do need to understand how big insurance companies market on the web.

Auto Insurance Quote Comparison

Effectively comparing auto insurance prices can be challenging if you don’t know the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Many insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each participating company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here to start a free quote.

The single downside to doing it this way is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose individual companies to compare, we have a page of companies who write auto insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverages with each company. If you are comparing higher or lower deductibles you can’t possibly determine which rate is truly the best. Quoting even small variations in limits can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes will improve the odds of getting the best offered rates.

Don’t overlook these five discounts

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but a few need to be asked for prior to getting the savings.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Memberships – Belonging to certain professional organizations could trigger savings on car insurance on A4 insurance.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.

It’s important to understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will bring down your overall premium however.

For a list of companies with discount car insurance rates, click this link.

Is my situation unique?

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Can I make deliveries for my home business?
  • Am I covered if I hit a deer?
  • What if I total my 2006 Audi A4 and owe more than it’s worth?
  • What is UM/UIM insurance?
  • Are rock chip repairs covered?
  • Does insurance cover damages from a DUI accident?
  • Do I need roadside assistance coverage?
  • Is motorclub coverage worth it?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, falling objects, rock chips in glass, damage from flooding and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi A4.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, pain medications, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance 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 coverage protects against things like scraping a guard rail, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Get your money’s worth

Insureds switch companies for a number of reasons such as denial of a claim, delays in responding to claim requests, extreme rates for teen drivers or being labeled a high risk driver. No matter why you want to switch, switching companies can be pretty painless.

In this article, we presented a lot of ways to lower your 2006 Audi A4 insurance rates. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the lowest rates come from some of the lesser-known companies.

The cheapest insurance is possible both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Additional information is located at the links below