Affordable Atlanta Audi A4 Insurance

Want to save money and find low-cost Audi A4 insurance in Atlanta? There isn’t anyone who enjoys paying for car insurance, especially when they know they could lower their rates if they shopped around.

Unbelievably, most car insurance buyers renewed their policy with the same company for four years or more, and approximately 40% of consumers have never compared quotes from other companies. Georgia drivers could save an average of about 60% each year just by shopping around, but they assume it’s a waste of time to compare rate quotes online. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the lowest rate possible on Audi A4 insurance in Atlanta.

Smart consumers take time to do price comparisons once or twice a year because prices go up and down regularly. Even if you got the best rates on Audi A4 insurance in Atlanta a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to get a crash course in the only way to find better rates and still maintain coverage.

The best way we recommend to compare policy rates for Audi A4 insurance in Atlanta is to know the fact all the major auto insurance companies allow for online access to compare their rates. All consumers are required to do is provide the companies a bit of rating information like if the car is leased, whether or not you need a SR-22, whether you are married, and deductibles desired. The rating information is instantly provided to multiple companies and they return rate quotes immediately.

To get price quotes for your Audi A4 now, click here and complete the quick form.

The providers in the list below can provide comparison quotes in Georgia. If multiple companies are shown, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Atlanta garaging location which can modify rates greatly.

Choosing deductibles

The illustration below illustrates how choosing a deductible and can impact Audi A4 insurance premiums for different ages of insureds. The data is based on a single female driver, comp and collision included, and no discounts are applied.

Audi A4 full coverage rates compared to liability only

The chart below shows the comparison of Audi A4 insurance premiums with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving violations, $1,000 deductibles, single female driver, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no clear-cut rule of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your Audi A4 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying over $600 annually for physical damage coverage, then you might consider buying liability only.

There are some conditions where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Choosing deductibles

One frequently asked question is how high should the physical damage deductibles be. The premium rates below determine how much more rates are when you buy lower versus higher policy deductibles. The first table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in garaging location in Atlanta which can increase or decrease insurance rates noticeably.

Based on the above data, using a $100 deductible will cost you approximately $49 more each month or $588 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 18 months between claim filings, you would probably be better off if you choose the higher deductible.

Lower-cost Audi A4 insurance in Atlanta

Companies don’t list every policy discount very clearly, so the list below details some of the best known and also the lesser-known savings tricks you should be using when you buy Atlanta car insurance online.

• Onboard Data Collection – Insureds that choose to allow driving data collection to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
• Accident Free – Atlanta drivers who stay claim-free pay much less when compared with frequent claim filers.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Professional Memberships – Joining a qualifying organization is a good way to get lower rates when shopping for car insurance.
• Good Grades Discount – This discount may save you up to 25%. Most companies allow this discount well after school through age 25.

Just know that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, you won’t be that lucky. But any discount will definitely reduce the amount you pay for coverage.

Companies and their possible discounts are shown below.

• Farmers Insurance discounts include alternative fuel, switch companies, business and professional, youthful driver, early shopping, and mature driver.
• State Farm offers discounts for multiple policy, good student, safe vehicle, driver’s education, and good driver.
• Liberty Mutual may have discounts that include teen driver discount, exclusive group savings, multi-policy, good student, new vehicle discount, and newly retired.
• MetLife offers premium reductions for claim-free, good driver, accident-free, defensive driver, multi-policy, good student
• Progressive has discounts for homeowner, multi-policy, online signing, good student, continuous coverage, and online quote discount.

When comparing rates, check with each company which discounts they offer. Some credits might not be offered everywhere. If you would like to see a list of car insurance companies who offer car insurance discounts in Atlanta, click here.

How Insurance Companies Determine Audi A4 Insurance Rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in better auto insurance rates. Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other factors are more transparent such as your credit history or your commute time.

The following are some of the items used by your company to calculate rates.

• If you don’t need it don’t buy it – There are a ton of extra add-on coverages that sound like a good idea at the time when buying auto insurance. Coverages for rental car reimbursement, accident forgiveness, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when discussing your needs, but if you have no use for them think about removing them and cutting costs.
• A lcoverage lapse is a bad thing – Allowing your coverage to lapse can be a guaranteed way to drive up your policy premiums. And not only will your rates increase, getting caught without coverage may result in a revoked license or a big fine.
• Obey driving laws and save – Just one chargeable violation can increase the cost of insurance substantially. Drivers with clean records have lower premiums as compared to careless drivers. Drivers who have gotten careless citations like DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
• Poor credit decisions can cost you – An insured’s credit score will be a significant factor in determining what you pay for auto insurance. Drivers with very high credit ratings tend to file fewer claims than those with lower ratings. Therefore, if your credit score can be improved, you could be paying less to insure your Audi A4 by improving your rating.
• Audi A4 insurance loss probability – Insurers take into consideration insurance loss statistics for every vehicle to calculate a rate that will offset losses. Vehicles that the data shows to have higher losses will cost more for specific coverages. The table below illustrates the compiled insurance loss statistics for Audi A4 vehicles.

  For each type of coverage, the loss probability for all vehicles averaged together is set at 100. Values that are under 100 suggest a better than average loss history, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

  Audi A4 Insurance Loss Statistics

  Specific Audi Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A4 4dr 2WD	179	107	103	80	112	100
  Audi A4 4dr 4WD	160	94	118	66	68	77
  Audi A4 Allroad Station Wagon 4WD	145	84	110	47	47	70

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Compare rate quotes but buy from a local Atlanta insurance agency

Many people would rather buy from a licensed agent and that is OK! Professional agents can point out coverage gaps and help file insurance claims. An additional benefit of comparing car insurance online is that you can obtain cheap car insurance rates but also keep your business local.

By using this short form, your insurance coverage information is submitted to agents in your area who will return price quotes for your insurance coverage. You won’t even need to do any legwork since rate quotes are delivered directly to your email. If you have a need to get a rate quote from a specific company, you can always navigate to their website and fill out the quote form the provide.

Deciding on an company is decision based upon more than just a cheap price. Here are some questions you might want to ask.

• Do the agents have professional certifications like CPCU or CIC?
• Do they have 24-hour customer assistance?
• What companies can they write with?
• How is replacement cost determined on your vehicle?
• How are they compensated?
• Does the company allow you to choose your own collision repair facility?
• Do they regularly work with personal auto policies in Atlanta?

If you want local Atlanta agents, it’s important to understand the types of insurance agents from which to choose. Car insurance agents in Atlanta are considered either exclusive or independent (non-exclusive). Either type can sell affordable car insurance policies, but it’s important to know why they differ because it can impact the kind of agent you use.

Exclusive Car Insurance Agents

Agents that elect to be exclusive can only write with one company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their company’s products which can be an advantage.

Listed below is a list of exclusive insurance agents in Atlanta willing to provide comparison quotes.

More insurance agents

Independent Agents

Agents of this type do not sell for just one brand and that allows them to write policies through many different car insurance companies and find the cheapest rate. If they find a lower price, they can switch companies in-house and that require little work on your part. If you are comparing car insurance prices, you definitely need to get some free quotes from at least one independent agent to get the most accurate price comparison.

Shown below is a list of independent agents in Atlanta who can help you get rate quotes.

More insurance agents

Compare but don’t skimp

Budget-conscious Audi A4 insurance is attainable both online and from local agencies, so get free Atlanta car insurance quotes from both of them to have the best rate selection. There are still a few companies who may not offer rate quotes online and most of the time these small, regional companies prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at an affordable rate and still be able to protect your assets.

We’ve covered a lot of information how to compare Audi A4 insurance prices in Atlanta. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive Atlanta car insurance quotes. You may even find the lowest prices are with a lesser-known regional company. Smaller companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

To learn more, feel free to visit the articles below:

• Determing Auto Insurance Rates (GEICO)
• Who Has Cheap Auto Insurance Quotes for Good Drivers in Atlanta? (FAQ)
• What Car Insurance is Cheapest for Drivers Over Age 70 in Atlanta? (FAQ)
• Who Has Affordable Atlanta Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Child Safety FAQ (iihs.org)