How Much Does 2014 Audi A4 Insurance Cost?

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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: Jun 13, 2015

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Trying to find the cheapest auto insurance rates? Buyers have options when searching for affordable Audi A4 insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online so we’re going to tell you the proper way to price shop coverage for a new or used Audi and get the lowest possible price either online or from local insurance agents.

It’s a great practice to price shop coverage periodically because rates change regularly. Just because you had the lowest price for A4 coverage a few years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you’re going to learn the only way to save on auto insurance.

If you have a current insurance policy or are shopping for new coverage, you can use these techniques to get lower rates and possibly find even better coverage. The purpose of this post is to instruct you on the best way to quote coverages and some money-saving tips. Consumers only need an understanding of the most effective way to shop their coverage around over the internet.

Which Car Insurance is Cheapest?

Most companies such as Progressive, Allstate and GEICO give coverage price quotes online. Getting online rates is fairly straightforward as you simply type in your coverage information as requested by the quote form. After you complete the form, the system gets reports for credit and driving violations and returns a price.

Online price quotes helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you want to find the lowest car insurance rates.

A less time-consuming method to lower your rates requires only one form to return rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes quoting online much simpler. After sending your information, your coverage is rated with multiple companies and you can pick any or none of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To compare rates now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you duplicate the insurance coverages as close as possible to your current policy. This way, you’re receiving rate quotes based on identical coverages.

Save $410 a year. For real?

Drivers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all make an identical promise about savings after switching your coverage to them.

How can each company say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk could be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile will be charged a higher premium and this can result in business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make those claims.

That is why you absolutely need to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Audi A4 insurance rates.

Take discounts and save

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you get a quote, but some may not be applied and must be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Paperwork-free – Some insurance companies will give a small break simply for signing on their website.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Organization Discounts – Participating in certain professional organizations could trigger savings on insurance coverage for A4 coverage.
  • Student in College – Children who live away from home and do not have a car may be able to be covered for less.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.

It’s important to understand that most of the big mark downs will not be given the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any amount of discount will reduce your premiums.

Car insurance companies who might offer these discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available everywhere.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Is a fancy paint job covered?
  • Do I need an umbrella policy?
  • When would I need additional glass coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I wreck a rental car?
  • Am I covered if I break a side mirror?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses such as rehabilitation expenses, doctor visits, X-ray expenses and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi A4.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, medical expenses and funeral expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your A4 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Don’t break the bank

Consumers leave their current company for any number of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices and high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

The cheapest 2014 Audi A4 insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage and learned later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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