Cheapest 2003 Audi A4 Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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2003 Audi A4 insurance rates amount to $1,020 a year, or about $85 every month for full coverage.
While there are several elements that influence 2003 Audi A4 car insurance rates, some of the most important include the driver’s age, location, and personal driving record. We are going to explore all of these details in this article so you can have a firm understanding of how much it costs to insure a 2003 Audi A4.
When you’re ready, you can start comparing 2003 Audi A4 insurance quotes from multiple companies by taking advantage of our free online tool.
Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, you’re not alone.
There is such a variety of insurance companies to pick from, and though it is a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.
It’s a good habit to compare prices once or twice a year because insurance rates are usually higher with each renewal. Just because you had the lowest price for A4 coverage two years ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.
Free Car Insurance Quotes
There are several ways to compare rate quotes from local car insurance companies. The easiest way to find competitive 2003 Audi A4 insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.
- The recommended way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate quote forms for each company you want a rate for. One form will get you rate comparisons from car insurance companies with the best prices.
- A more difficult way to get comparison quotes requires you to visit the website of each company to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from USAA, Farmers and Progressive. You would have to visit each site to enter your coverage information, which is why the first method is more popular.For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, ensure you’re using the exact same coverages and limits on every quote you get. If each company quotes different limits and deductibles on each one it’s not possible to decipher which rate is best. Having just a slight variation in insurance coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes helps you find a better price.
Discounts on 2003 Audi A4 insurance
Auto insurance companies don’t always advertise every available discount very well, so the following is a list of both well-publicized as well as the least known insurance savings.
- Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
- Paperless Signup – Certain companies may give you up to $50 for buying your policy on their website.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- Homeowners Savings – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.
- Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
- Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for A4 coverage than drivers with accidents.
- Memberships – Belonging to a civic or occupational organization may earn a discount on insurance for A4 coverage.
Consumers should know that most credits do not apply the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.
Companies that possibly offer these discounts include:
It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not apply in every state.
Impacting insurance rates for an Audi A4
Consumers need to have an understanding of the rating factors that help determine insurance coverage rates. Understanding what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.
The following are some of the factors insurance coverage companies consider when setting premiums.
- Your occupation can affect rates – Careers like lawyers, social workers and accountants have higher rates than average due to job stress and long work days. On the flip side, occupations such as scientists, athletes and the unemployed get better rates for A4 coverage.
- Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Audi has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- High numbers of claims are not good – Companies award discounts to policyholders who do not file claims often. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
- Poor driving leads to higher costs – Your driving record impacts your car insurance rates tremendously. Careful drivers get better rates than bad drivers. Only having one citation can boost insurance rates by twenty percent. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit an SR-22 form to the state department of motor vehicles in order to continue driving.
- Poor credit can mean higher rates – Credit score is a large factor in determining what you pay for insurance coverage. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit is low, you could potentially save money when insuring your 2003 Audi A4 by spending a little time repairing your credit.
- Where do you drive? – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your insurance coverage shows the proper vehicle usage because it can save money. Incorrect usage on your A4 can result in significantly higher rates.
- How your age affects the price – More mature drivers are more cautious drivers, tend to file fewer claims, and are safer drivers. Youthful drivers tend to be careless and easily distracted when driving therefore insurance coverage rates are much higher.
- Liability coverage is peace of mind – Your policy’s liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Tailor your coverage to you
When it comes to choosing coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether you may require specific advice.
- Where can I find high-risk insurance?
- How much liability coverage do I need in my state?
- Do I have coverage when pulling a U-Haul trailer?
- Do I need motorclub coverage?
- Am I covered if I wreck a rental car?
- Why do I need rental car insurance?
- Does my medical payments coverage pay my health insurance deductible?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Coverages available on your insurance policy
Knowing the specifics of an insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.
This pays for damage to your A4 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers things such as rolling your car, crashing into a ditch, sustaining damage from a pothole, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Auto liability insurance
This protects you from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like medical services, structural damage, pain and suffering, legal defense fees, and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like fire damage, a broken windshield, hitting a bird, and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, nursing services, and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Audi A4.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Shop Smart and Save
When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple of dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
Budget-conscious 2003 Audi A4 insurance can be bought from both online companies and with local insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
Much more information about auto insurance can be found below:
- Get the Right Protection (InsureUonline.org)
- Auto Insurance Basics (Insurance Information Insitute)
- Vehicle Insurance (Wikipedia)
- Collision Coverage (Liberty Mutual)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to compare 2003 Audi A4 insurance rates from top companies. You can do that right now by using our free quote tool below.
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What are the safety ratings of the 2003 Audi A4?
It’s important to consider the safety ratings of the 2003 Audi A4 to get an objective view of how well the car protects its occupants in the event of a collision.
The ratings below show the breakdown of the crash test ratings for the 2003 Audi A4. The following results were conducted by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): N/R
- Small overlap front (passenger-side): N/R
- Moderate overlap front: Good
- Side: N/R
- Roof strength: N/R
- Head restraints and seats: N/R
Since the 2003 Audi A4 is an older model, some of these vehicle parts do not have crash test information. However, the moderate overlap front received the highest grade possible.
2003 Audi A4 Compared Against Other Vehicles in the Same Class
Classified as a midsize luxury sedan, the 2003 Audi A4 is lighter than other models on the road, like SUVs. Details such as the curb weight of your vehicle are important to know because this is something that insurance companies consider during the quoting process.
Even though the 2003 Audi A4 isn’t the heaviest car on the road, the Insurance Institute for Highway Safety reflects mostly favorable loss percentages as it compares to other vehicles in its class.
Take a look at the following midsize luxury sedans to see how their average insurance rates compare to the 2003 Audi A4.
Now that we have gone into great detail about how insurance rates for the 2003 Audi A4 are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing 2003 Audi A4 insurance quotes from multiple providers today.
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