Cheaper 2015 Audi A4 Insurance Quotes in 2024

Searching for lower auto insurance rates for your Audi A4? Did budget coverage turn out to be overpriced auto insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance.

Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

Discount car insurance quotes

Car insurance is easily one of your largest bills, but there could be available discounts that you may not know about. Most are applied at the time of quoting, but some may not be applied and must be asked about prior to getting the savings. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• Early Renewal Discounts – Some car insurance companies provide a discount for switching policies prior to your current policy expiring. It could save around 10% when you buy insurance online.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can get savings of 25 to 30%.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on A4 coverage compared to rates paid by drivers with frequent claims.
• Telematics Data Discounts – Drivers who agree to allow their insurance company to study when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.

It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

A list of companies and the discounts they provide include:

• Farm Bureau policyholders can earn discounts including multi-vehicle, safe driver, multi-policy, driver training, and youthful driver.
• Liberty Mutual has discounts for new move discount, multi-car, good student, exclusive group savings, multi-policy, new graduate, and new vehicle discount.
• State Farm may include discounts for good driver, Steer Clear safe driver discount, good student, multiple autos, and Drive Safe & Save.
• Auto-Owners Insurance offers discounts including safe driver, student away at school, multi-policy, multiple vehicles, mature driver, and anti-theft.
• GEICO discounts include defensive driver, membership and employees, military active duty, anti-lock brakes, driver training, five-year accident-free, and emergency military deployment.
• SAFECO offers discounts for teen safety rewards, safe driver, multi-car, drive less, anti-theft, bundle discounts, and anti-lock brakes.

When getting a coverage quote, ask each insurance company what discounts are available to you. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of companies who offer discounts, enter your zip code here.

Audi A4 insurance premiums can be lower

Many different elements are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, but other criteria are not quite as obvious like where you live or your vehicle rating.

• Driving citations cost more than a fine – Your driving citation history has a lot to do with how much you pay for insurance. Having a single speeding ticket can increase the cost of insurance by as much as twenty percent. Good drivers get better prices than people who have multiple driving citations. Drivers with multiple violations like reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state’s licensing department in order to keep their license.
• Policy add-ons may be wasting money – Insurance companies have many extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages like coverage for rental cars, accidental death, and motor club memberships are examples of these. The coverages may be enticing at first, but if you don’t need them remove them from your policy.
• Pay more out-of-pocket – Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. Your deductibles define how much you are willing to pay before your insurance pays a claim. The more the insured is willing to pay, the lower your rates will be on A4 coverage.
• Excellent credit scores equal low costs – Your credit score is likely to be a major factor in determining what you pay for insurance. If your credit rating can use some improvement, you could potentially save money when insuring your 2015 Audi A4 by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims as compared to drivers with lower credit ratings.
• Does auto insurance cost less for women? – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Both genders tend to get into accidents at about the same rate, but the males have costlier accidents. Not only are claims higher, but men receive more costly citations like DUI and reckless driving.
• Having a spouse brings a discount – Walking down the aisle can actually save you money compared to being single. Having a significant other demonstrates that you tend to be more stable financially and it’s statistically proven that married couples file fewer claims.
• Defend yourself with liability protection – The liability coverage on your policy will provide protection if you are found liable for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you would benefit from an agent’s advice.

• How can I get my company to pay me more for my totalled car?
• Should I buy more coverage than the required minimum liability coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Are my friends covered when driving my 2015 Audi A4?
• Are all vehicle passengers covered by medical payments coverage?
• How do I buy GAP insurance?
• Which companies will insure high-risk drivers?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code.

Car insurance coverage breakdown

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles, structural damage, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and rock chips in glass. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, crashing into a building, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2015 Audi A4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

In conclusion

We just presented many tips how you can save on 2015 Audi A4 insurance. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. You may be surprised to find that the lowest rates come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like GEICO and State Farm.

Lower-priced 2015 Audi A4 insurance is possible both online and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and many times these small insurance companies provide coverage only through independent agents.