2019 Audi A4 Insurance Cost in 2024

Shoppers have many options when shopping for the lowest priced Audi A4 insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to find the lowest rates.

There are both good and bad ways to find insurance coverage online and we’ll show you the quickest way to get price quotes for your Audi and obtain the lowest possible price either online or from local insurance agents.

You should take the time to compare premium rates every six months since prices tend to go up over time. Even if you think you had the lowest quotes for A4 insurance last year you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to find great coverage at a great price.

This information will let you in on how to get online quotes. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Vehicle owners just need to learn the proper methods to buy insurance on the web.

The quickest method we recommend to compare car insurance rates is to understand auto insurance companies will pay a fee to give free rates quotes. All consumers are required to do is provide a little information including any included safety features, if you are currently licensed, how old drivers are, and how much you drive. The data is automatically sent to many of the top insurers and you should receive rate quotes very quickly.

To compare rates for your 2019 Audi A4 now, click here then complete the form.

Earn discounts on auto insurance

Auto insurance companies don’t always publicize the entire discount list in an easy-to-find place, so here is a list a few of the more common in addition to some of the lesser obvious ways to save on auto insurance.

• No Accidents – Drivers who stay claim-free can save substantially when compared to frequent claim filers.
• Membership in Organizations – Joining certain professional organizations can get you a small discount on your policy.
• Multi-car Discount – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Federal Employees – Active or former government employment could provide a small rate reduction for A4 insurance with some auto insurance companies.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
• Student in College – who live away from home to go to college and do not have a car may be insured at a cheaper rate.

As a sidenote, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

For a list of insurance companies that offer many of these discounts, enter your zip code here.

Lower your insurance rates

The best way to find cheaper insurance is to take a look at the factors that help calculate the price you pay for insurance. When you understand what determines premiums, this empowers consumers to make smart changes that could result in lower rates. Many things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or your financial responsibility.

The itemized list below are a few of the “ingredients” used by your company to calculate prices.

• Liability insurance preserves assets – Your insurance policy’s liability coverage will afford coverage if ever you are determined to be liable for personal injury or accident damage. It provides for a legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so do not skimp.
• Bundle policies to earn discounts – The majority of insurance companies provide a discount to clients that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
• Deductibles are a factor – Physical damage protection, also called ‘full coverage’, insures against damage to your Audi. Examples of covered claims are a broken windshield, damage caused by hail, or theft. Comprehensive and collision coverage deductibles state the amount of money you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the lower your rates will be for A4 insurance.
• Drive lots and pay more – The more miles you rack up on your Audi in a year the higher your rates will be. The majority of insurers rate vehicles partially by how you use the vehicle. Cars and trucks not used for work or commuting cost less to insure than those used for commuting. Having an incorrect usage rating on your A4 may be wasting your money. Verify your insurance policy reflects annual mileage.
• Policy add-ons add up – There are quite a few additional coverages you can purchase if you aren’t diligent. Insurance for vanishing deductibles, towing, and motor club memberships are some examples. The coverages may be enticing when discussing your needs, but if they’re wasting money eliminate the coverages to reduce your premium.
• Employer can influence rates – Did you know your job can affect your rates? Careers like judges, executives and stock brokers generally pay higher premium rates because of stressful work requirements and incredibly demanding work hours. Conversely, jobs like professors, students and retirees get better rates for A4 insurance.
• Discounts for married drivers – Your spouse may save some money on your policy. It demonstrates that you tend to be less irresponsible and insurance companies like that married drivers get in fewer accidents.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Does insurance cover tools stolen from my truck?
• When should I drop full coverage on my 2019 Audi A4?
• Do I need replacement cost coverage?
• Why do I need rental car insurance?
• What exactly is covered by my policy?
• How much liability insurance is required?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Car insurance ads are enticing

Drivers can’t get away from all the ads that claim the cheapest prices from companies such as GEICO, State Farm and Progressive. They all seem to seem to make the promise about how much you will save if you switch your policy.

But how can every company charge you less for auto insurance? It’s all in how they say it.

Insurance providers quote their best rates for a prospective insured that will be a good risk. One example of a preferred risk might be a married male, has no claims, and drives a lower-performance vehicle. Any driver who fits that profile gets the lowest prices and will most likely cut their rates if they switch.

Potential insureds who cannot meet the “perfect” profile must pay higher premium rates which results in the prospect going elsewhere. The ads say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can make claims like that.

That is why it’s extremely important to get insurance quotes as often as possible. It is impossible to predict which car insurance company will have the lowest premium rates for your situation.

Coverage specifics

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This pays for damage to your A4 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles, medical services and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle 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 2019 Audi A4.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, vandalism, hitting a bird, rock chips in glass and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, prosthetic devices, chiropractic care and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, high prices and even denial of a claim. Whatever your reason, choosing a new company can be pretty painless.

You just learned a lot of techniques to lower your 2019 Audi A4 insurance rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from the least-expected company.

Budget-conscious 2019 Audi A4 insurance can be found online and with local insurance agents, so you need to shop insurance with both to get a complete price analysis. There are still a few companies who do not provide price quotes online and most of the time these smaller providers only sell through independent agents.