2020 Audi A4 allroad Car Insurance Rates in 2024 – 8 Policy Discounts

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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: May 22, 2024

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Searching for the cheapest insurance rates for your Audi A4 allroad? Have you finally had enough of trying to scrape together enough money to make your insurance payment? You have the same problem as the majority of other people.

Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute best rate

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding the best rates is easy if you know what you’re doing. But consumers benefit from understanding how companies price online insurance because it can help you find the best coverage.

Double check you’re getting these eight discounts

Insurance coverage can be pricey, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but some need to be specifically requested prior to receiving the credit.

  • Military Deployment Discount – Being on active duty in the military may lower your insurance coverage rates slightly.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could save at least 10% off all policies.
  • Savings for New Vehicles – Buying a new car instead of a used car can save up to 30% because new vehicles are generally safer.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
  • Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote insurance for A4 allroad insurance but check with your company.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Membership in Organizations – Belonging to qualifying clubs or civic groups is a good way to get lower rates on your policy.
  • Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and their offered discounts can be read below.

  • Progressive discounts include continuous coverage, online signing, multi-vehicle, good student, online quote discount, and multi-policy.
  • Farmers Insurance offers discounts for switch companies, bundle discounts, mature driver, distant student, and good student.
  • Farm Bureau offers premium reductions for multi-policy, multi-vehicle, youthful driver, safe driver, 55 and retired, and renewal discount.
  • State Farm may have discounts that include multiple policy, Drive Safe & Save, safe vehicle, driver’s education, defensive driving training, and multiple autos.
  • GEICO has discounts for seat belt use, five-year accident-free, military active duty, federal employee, and good student.
  • SAFECO may offer discounts for accident prevention training, multi-car, homeowner, drive less, teen safety rewards, bundle discounts, and teen safe driver.
  • Liberty Mutual has savings for exclusive group savings, safety features, new graduate, new vehicle discount, new move discount, and newly married.

If you want low cost insurance quotes, ask each company which discounts can lower your rates. Some discounts may not apply to policies in every state. To see a list of providers with the best discounts, enter your zip code here.

Special considerations

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is covered by UM/UIM coverage?
  • Should I have combined single limit or split liability limits?
  • How high should my uninsured/underinsured coverage be in my state?
  • If my pet gets injured in an accident are they covered?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete your zip code.

Insurance advertising tricks

Respected companies like GEICO, State Farm and Progressive seem to constantly run television and radio advertisements. All the companies advertise the message that you can save if you move your car insurance coverage to their company. How does every company charge lower premium rates? Just pay attention to how they say it.

All companies have an ideal profile for the type of driver that earns them a profit. A good example of a desirable insured might have to be over the age of 35, has never had a policy lapse, and chooses high deductibles. Any driver who fits those characteristics will probably get cheap prices and as a result will probably save some money.

Insureds who fall outside those standards may be forced to pay higher premium rates and ends up with business not being written. The ads say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make the claims of big savings. That is why drivers must compare free insurance quotes often. Because you never know which insurance companies will provide the lowest rates.

Information about specific coverages

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Collision – Collision coverage covers damage to your A4 allroad resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Audi A4 allroad.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage – Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

At the end of the day…

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at the best possible price while still protecting your assets.

There are still a few companies who may not provide internet price quotes and usually these smaller companies work with independent insurance agencies. The cheapest 2020 Audi A4 allroad insurance can be purchased both online as well as from independent agents, so you need to compare both in order to have the best price selection to choose from.

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