2018 Audi A4 Car Insurance Cost – 8 Tips to Save

Trying to come up with a payment for expensive insurance can overdraw your accounts and put the squeeze on your family’s finances. Doing a rate analysis can help to cut your insurance bill.

Due to the fact that there are so many choices, it is hard for the average consumer to find a more affordable insurance provider.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. But drivers must understand the way insurance companies sell online and apply this information to your search.

Do you qualify for these eight discounts?

Not many people think insurance is cheap, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but less common discounts must be specially asked for before being credited.

  • Driver Safety – Successfully completing a defensive driver course could cut 5% off your bill if you qualify.
  • Telematics Devices – People who choose to allow data collection to track their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • E-sign – A few insurance companies will provide an incentive for buying a policy and signing up over the internet.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
  • Student in College – Youth drivers who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Smart Student Discounts – Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few of the larger companies and some of the discounts can be found below.

  • American Family may include discounts for accident-free, mySafetyValet, Steer into Savings, early bird, multi-vehicle, and good student.
  • Farm Bureau discounts include safe driver, multi-vehicle, renewal discount, good student, driver training, 55 and retired, and multi-policy.
  • State Farm may offer discounts for driver’s education, Drive Safe & Save, good driver, accident-free, safe vehicle, defensive driving training, and Steer Clear safe driver discount.
  • Travelers has discounts for hybrid/electric vehicle, save driver, early quote, multi-policy, home ownership, good student, and driver training.
  • The Hartford offers discounts for driver training, defensive driver, air bag, bundle, good student, vehicle fuel type, and anti-theft.
  • Geico offers premium reductions for multi-vehicle, driver training, membership and employees, defensive driver, emergency military deployment, and good student.
  • Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online signing, good student, and online quote discount.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some discounts may not apply to policyholders everywhere.

How to buy insurance online

There are several ways to compare insurance quotes, but one way is less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to achieve your goal.

Many of the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on that data. This saves time by eliminating quote requests for each company. To access this free quoting program, click to open in new window.

The single downside to comparing rates this way is that you can’t choose the providers you want pricing from. So if you want to select from a list of companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, be sure you’re using identical coverage limits with every price quote. If you compare differing limits you will not be able to determine which rate is truly the best. Just slight variations in coverages may result in large price differences. Just remember that making a lot of price comparisons increases your odds of finding the best offered rates. Some insurance companies are not set up to provide prices over the internet, so you should also compare quotes from them, too.

Don’t assume everyone needs the same car insurance coverage

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • How much liability insurance is required?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I better off with higher deductibles on my 2018 Audi A4?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Liability coverages

This protects you from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, court costs, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi A4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for chiropractic care, ambulance fees, pain medications, dental work and EMT expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for 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 like hitting a deer, vandalism, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your A4 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

More quotes mean more savings

In this article, we presented a lot of ways to get a better price on 2018 Audi A4 insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest car insurance. You may even discover the lowest car insurance rates are with some of the smallest insurance companies. These smaller insurers can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price, but do not skimp to save money.

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