2018 Audi A4 Insurance Cost in 2024 – 8 Savings Tips

Searching for lower insurance coverage rates for your Audi A4? Feel like you have an expensive insurance coverage policy? Believe me, many drivers feel the same as you.

Numerous insurance companies battle for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest price

Compare auto insurance rates

There are multiple methods to shop for auto insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking to agents in your area, or you could save time and use online quotes to maximize your effort.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and every company returns a competitive quote based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, enter your zip code here.

The only downside to doing it this way is you don’t know exactly which providers you will receive quotes from. If you wish to select from a list of companies to compare, we have a listing of auto insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, try to keep nearly identical information with every price quote. If you use different liability limits you can’t possibly truly determine the lowest rate. Slightly different coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps locate the best price. Not every company does quotes online, so you need to compare price quotes from the smaller companies as well.

Lower rate quotes with these eight insurance coverage discounts

Car insurance companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so we researched both the well known in addition to some of the lesser obvious credits available to you.

• Onboard Data Collection – Drivers that enable their insurance coverage company to look at driving patterns remotely like Allstate’s Drivewise might get better premium rates if they are good drivers.
• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a lower price if you buy some life insurance too.
• Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Passenger Safety Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
• Sign Early and Save – A few insurance coverage companies allow discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
• Save with a New Car – Buying a new car model is cheaper compared to insuring an older model.
• Drivers Education – Teen drivers should successfully take a drivers education course as it can save substantially.
• Club Memberships – Being in a qualifying organization could earn you a nice discount on your next renewal.

Remember that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, companies don’t profit that way.

If you would like to view insurance companies that offer many of these discounts, enter your zip code here.

Auto insurance can get complicated

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether you would benefit from professional advice.

• When should my teen driver be added to my policy?
• Are all vehicle passengers covered by medical payments coverage?
• Is Motor Club coverage worth it?
• I have good health insurance, so how much medical payments coverage do I need?
• How can I get my company to pay me more for my totalled car?
• Can I afford to buy a different vehicle if my 2018 Audi A4 is totaled?
• Is my ex-spouse still covered by my policy?
• How can I force my company to pay a claim?
• Are rock chip repairs covered?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out your zip code.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Collision protection

Collision coverage covers damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for things like ambulance fees, prosthetic devices and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, repair costs for stationary objects, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, hail damage, theft and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi A4.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

A penny earned…

Budget-conscious 2018 Audi A4 insurance can be bought from both online companies in addition to many insurance agents, so you need to quote auto insurance with both to get a complete price analysis. There are still a few companies who do not provide online quoting and usually these smaller providers only sell through local independent agents.

Throughout this article, we presented a lot of ways to lower your 2018 Audi A4 insurance car insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even find the best price on insurance coverage is with a lesser-known regional company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.