Cheaper 2017 Audi A4 Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Getting more affordable auto insurance on the internet may be somewhat intimidating for consumers new to quoting and comparison shopping on the web. With so many companies in the marketplace, how are consumers expected to efficiently compare every company in order to find better rates?

Use discounts on auto insurance

Car insurance is not cheap, but you may find discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be asked about before they will apply.

  • Drivers Education – Have your child enroll in driver’s education in school.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies may permit one accident before your rates go up if your claims history is clear for a certain period of time.
  • Early Signing – A few larger companies give discounts for switching companies before your current expiration date. You can save around 10% with this discount.
  • Driver Safety – Passing a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison to accident-prone drivers.
  • Telematics Discount – People who choose to allow their insurance company to scrutinize vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Service Members Pay Less – Having a deployed family member could mean lower premium rates.
  • Discount for Low Mileage – Keeping the miles down on your Audi can earn lower prices on the low mileage vehicles.
  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for A4 insurance with a few auto insurance companies.
  • Club Memberships – Joining a qualifying organization can get you a small discount on your next renewal.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are included below.

  • AAA has discounts for AAA membership discount, anti-theft, multi-car, education and occupation, and good driver.
  • Progressive offers discounts for multi-policy, online signing, continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.
  • State Farm offers premium reductions for accident-free, Steer Clear safe driver discount, multiple autos, safe vehicle, driver’s education, Drive Safe & Save, and student away at school.
  • Esurance has savings for defensive driver, homeowner, good driver, anti-lock brakes, renters, and online quote.
  • Nationwide discounts include business or organization, easy pay, family plan, Farm Bureau membership, and defensive driving.

It’s a good idea to ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. If you would like to view auto insurance companies who offer discounts, enter your zip code here.

How to compare free car insurance quotes

Most major insurance companies give prices for coverage directly from their websites. Getting online rates doesn’t take much effort as you just type in into the quote form. After the form is submitted, the company’s rating system collects information on your driving record and credit history and quotes a price based on the information you submitted.

Being able to quote online simplifies rate comparisons, but the time it takes to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible in order to get the best price on car insurance.

The easiest way to lower your rates uses just one form that gets prices from many companies. This type of form saves time, eliminates form submissions, and makes online price comparison much simpler. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To quickly find out if lower rates are available, simply enter your zip code here and begin entering your coverage information. If you currently have coverage, we recommend you duplicate the coverage information as close as possible to your current policy. Doing this guarantees you are getting a price comparison based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions can aid in determining if your situation may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need more liability coverage?
  • Is my 2017 Audi A4 covered for flood damage?
  • How do I file an SR-22 for a DUI in my state?
  • Should I buy additional glass protection?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, hospital visits, pain medications, chiropractic care and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from flooding, hitting a deer, hail damage and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability

This coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

In Summary

The cheapest 2017 Audi A4 insurance can be purchased from both online companies and from local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance providers may not have internet price quotes and many times these smaller providers sell through independent agents.

When searching for inexpensive auto insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at the best possible price, but do not skimp to save money.

We just covered some good ideas how to save on 2017 Audi A4 insurance. The most important thing to understand is the more times you quote, the better likelihood of getting low cost auto insurance. Consumers could even find that the best price on insurance is with a small local company.

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