Drivers Who Know These Tricks Save More on Audi A4 Insurance
Are you sick and tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other consumers. Drivers have multiple car insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.
Finding affordable coverage is not rocket science. If you are insured now or need new coverage, you can use this information to cut your premiums while maximizing coverage. Drivers just need to know how to find the lowest price online.
How much can you save with discounts?
Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on car insurance. If you aren’t receiving every discount possible, you are throwing money away.
- Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
- Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
- Auto/Home Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
- One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
It’s important to note that many deductions do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous.
Quick Car Insurance Quotes
Shopping for lower car insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking to agents in your area, or you can utilize the internet to get prices fast.
Most of the best insurance companies belong to an insurance system where prospective buyers submit their information once, and each company then returns a price quote based on that information. This system prevents you from having to do quote forms to each individual car insurance company.
To access this free quoting program, click here (opens in new window).
The single downside to getting quotes like this is buyers cannot specifically choose which providers to receive prices from. If you wish to select from a list of companies to compare, we have assembled a list of companies who write car insurance in your area. Click to view list.
Whichever method you choose, ensure you are comparing exactly the same quote information for each comparison quote. If the quotes have different liability limits then you won’t be able to determine which rate is truly the best.
How much car insurance do I need?
When buying coverage for your vehicles, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions may help you determine whether you might need professional guidance.
- What can I do if my company denied a claim?
- How much underlying liability do I need for an umbrella policy?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- If my Audi A4 is totaled, can I afford another vehicle?
- Does my car insurance cover rental cars?
- Who is covered by my policy?
- Can I afford low physical damage deductibles?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
The best insurance company isn’t always the cheapest
We just showed you quite a bit of information on how to save on Audi A4 insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the biggest savings come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
While you’re price shopping online, do not buy less coverage just to save a little money. There are many occasions where someone sacrificed liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Lower-priced Audi A4 insurance can be found online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and these small insurance companies work with independent agents.