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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 8, 2021

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Have you fallen victim to an underperforming, overpriced insurance policy? Believe me, you’re not the only one.

Since consumers have many companies and agents to choose from, it is very difficult to pick the lowest price insurance company.

Audi A4 premiums are determined by many factors

It’s important that you understand some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with better auto insurance rates.

  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Audi A4 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • What are your deductibles? – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more money you are required to pay out-of-pocket, the less your auto insurance will be on A4 insurance.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, business owners and stock brokers have the highest rates due to job stress and lots of time spent at work. On the other hand, occupations like scientists, students and the unemployed get better rates on A4 insurance.
  • Lower miles equals lower premium – The higher the mileage driven each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your A4 may be costing you.
  • Cautious drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can bump up the cost twenty percent or more. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Being married is a good thing – Having a spouse helps lower the price on your auto insurance policy. Having a spouse translates into being more mature and statistics show married couples file fewer claims.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Coverages for rental car reimbursement, towing coverage and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.

Companies offer discounts so take them!

Companies that sell car insurance don’t always publicize all their discounts very clearly, so here is a list both well-publicized as well as the least known ways to save on auto insurance.

  • Low Mileage Discounts – Fewer annual miles on your Audi can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when shopping for auto insurance on A4 insurance.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does medical payments coverage apply to all occupants?
  • Can my babysitter drive my car?
  • What can I do if my company won’t pay a claim?
  • Should I get collision insurance on every vehicle?

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

This pays for damage to your A4 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, nursing services, chiropractic care and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This will cover damage that occurs to other people or property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three 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 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, structural damage, medical services, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Smart consumers save more

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured dropped liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

Lower-priced 2009 Audi A4 insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.

Throughout this article, we presented many ideas to compare insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

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