Cheap 2021 Audi A4 Insurance Rates in 2024

No normal person enjoys paying for car insurance, especially when they know the cost is too high. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute cheapest price

Consumers should take time to price shop coverage once or twice a year because car insurance rates change frequently. Even if you think you had the best rate on A4 coverage a couple years back you can probably find a lower rate today. There are lots of tips to save on car insurance on the internet, but I’m going to show you some great ways to lower your car insurance rates.

First Step: Get free insurance coverage quotes

Finding a better price on insurance coverage is actually easier than you may think. The only thing you need to do is take a couple of minutes comparing price quotes from some recommended companies. Comparing prices online can be done by using one of the methods below.

• If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison. This form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form gets insurance cost estimates direct from many companies.
• A different way to find lower rates requires visiting each company website and fill out their own quote form. For example, we’ll assume you need rates from Auto-Owners, Liberty Mutual and Farmers. To do that, you would have to visit each site and punch in your information repeatedly, and that explains why we recommend the first method.

It doesn’t matter which method you choose, just try to use apples-to-apples coverages and limits for each quote you get. If you compare different liability limits then you won’t be able to make a fair rate comparison.

Insurance Discounts

Some insurance providers don’t necessarily list every discount in an easy-to-find place, so we researched both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of at least 10% off all policies.
• Accident Forgiveness – but companies like GEICO, State Farm, and Progressive will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Driver Safety – Taking a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Multiple Vehicles – Insuring multiple vehicles with the same insurance company can reduce the rates for all insured vehicles.
• Good Grades Discount – Performing well in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Telematics Data – People who choose to allow data collection to track their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

Discounts lower rates, but some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, that’s just not realistic.

A list of companies and their possible discounts can be found below.

• Progressive offers premium reductions for multi-policy, good student, multi-vehicle, continuous coverage, online signing, online quote discount, and homeowner.
• GEICO offers discounts for anti-theft, air bags, good student, membership and employees, defensive driver, multi-policy, and five-year accident-free.
• State Farm may have discounts that include student away at school, good driver, multiple autos, good student, Drive Safe & Save, defensive driving training, and anti-theft.
• Esurance discounts include renters, good student, emergency road assistance, anti-lock brakes, and homeowner.
• The Hartford has discounts for driver training, good student, defensive driver, vehicle fuel type, and air bag.

Double check with all the companies to give you their best rates. Some discounts listed above may not apply to policies in your state. To see a list of insurance companies that offer discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation may require specific advice.

• Is my camper covered by my car insurance policy?
• Are my friends covered when driving my 2021 Audi A4?
• Are rental cars covered under my policy?
• Am I missing any policy discounts?
• Do I really need UM/UIM coverage?
• How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and can provide invaluable advice.

Components of your Audi A4 insurance prices

Lots of factors are considered when pricing auto insurance. A few of the factors are predictable such as your driving record, but other criteria are less apparent such as your marital status or how safe your car is.

• More than one policy can earn a discount – Most major companies apply lower prices for people who have multiple policies with them in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. If you currently are using one company, you still need to compare rates to verify if the discount is saving money. Drivers may still find a better deal even if you have your coverage with different companies.
• Improve your credit score and save – Having a bad credit score factor in calculating your auto insurance rates. Therefore, if your credit rating leaves room for improvement, you could be paying less to insure your 2021 Audi A4 by improving your rating. People that have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
• Higher prices for demanding occupations – Occupations like judges, air traffic controllers and miners usually pay higher rates than average because of job stress and long work hours. Other careers such as professors, athletes and retirees pay the least on A4 coverage.
• Incidental coverages could be costing you – There are many extra add-on coverages that sound like a good idea at the time on your auto insurance policy. Insurance for rental car coverage, better glass coverage, and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
• Stay claim-free and save – If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Companies generally give most affordable rates to people who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
• Avoid policy lapses – Driving any period of time without insurance is a big no-no and auto insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher rates, not being able to provide proof of insurance will get you a revoked license or a big fine.
• Liability protection is important – Liability insurance provides coverage when a court rules you are at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should carry high limits.

The car insurance bait and switch

Consumers can’t escape the ads that claim the best premium rates from the likes of Progressive, Allstate and GEICO. They all seem to make the point about how much you will save if you change your policy.

But how can every company sell you cheaper insurance coverage? You have to listen carefully.

Companies require specific criteria for the type of customer that will add to their bottom line. A good example of a profitable insured might be between 30 and 50, has a clean driving record, and drives a safe vehicle. Any customer who matches those parameters will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Insureds who may not quite match this stringent profile must pay a higher rate and this results in the driver buying from a lower-cost company. The ad wording is “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can make the claims of big savings. Because of this risk profiling, you should compare rate quotes every year. It is just not possible to predict the company that will fit you best based on your risk profile.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision – This covers damage to your A4 resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2021 Audi A4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for surgery, dental work, funeral costs and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

A tidy conclusion

You just read a lot of tips how to get a better price on 2021 Audi A4 insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with some of the smallest insurance companies. Regional companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Lower-priced 2021 Audi A4 insurance can be found from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these smaller companies sell through independent agents.