Locating the cheapest insurance for an Audi A4 in California could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to shop for insurance so you’re going to learn the quickest way to price shop coverage on a Audi and obtain the lowest possible price either online or from Riverside insurance agents.
Unbelievable but true according to a study the majority of drivers have remained with the same insurance company for four years or more, and almost 40% of drivers have never quoted insurance rates at all. Many drivers in the U.S. could save themselves up to 46.5% a year, but they just don’t understand how much they could save if they bought a different policy.
Finding affordable insurance coverage in Riverside is really quite easy. If you have a current insurance policy or are looking for a new policy, use these money-saving tips to get lower rates and still get good coverage. Smart shoppers just have to learn the tricks to shop for insurance from many companies at once.
The companies shown below provide price quotes in Riverside, CA. If several companies are displayed, it’s highly recommended you visit several of them to find the cheapest car insurance rates.
Car insurance data for an Audi A4
The coverage table shown below highlights a range of insurance coverage prices for Audi A4 models. Learning more about how car insurance premiums are calculated is important for you to make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$370||$912||$464||$28||$138||$1,912||$159|
|A4 2.0T Premium Turbo 4-Dr Sedan||$370||$792||$464||$28||$138||$1,792||$149|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$370||$792||$464||$28||$138||$1,792||$149|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$370||$912||$464||$28||$138||$1,912||$159|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$412||$912||$464||$28||$138||$1,954||$163|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$412||$912||$464||$28||$138||$1,954||$163|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$412||$912||$464||$28||$138||$1,954||$163|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$412||$912||$464||$28||$138||$1,954||$163|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$412||$912||$464||$28||$138||$1,954||$163|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$412||$912||$464||$28||$138||$1,954||$163|
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can revise premiums greatly.
The example below demonstrates how choosing different deductibles and can increase or decrease Audi A4 annual premium costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.
Should you buy full coverage?
The illustration below illustrates the comparison of Audi A4 car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money on full coverage?
There is no exact rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Audi A4 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If it’s costing you more than $500 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some conditions where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Lower Your Riverside Insurance Prices
Smart consumers have a good feel for some of the things that help calculate your premiums. When consumers understand what impacts premium levels, this enables informed choices that may reward you with big savings. Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but others are less apparent such as your credit history or your vehicle rating.
The items below are some of the things utilized by car insurance companies to help set your rates.
Improve your credit score and save – Credit history is a large factor in determining what you pay. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. Therefore, if your credit score is lower than you’d like, you may save money insuring your Audi A4 if you improve your credit rating.
More than one policy can earn a discount – Most insurance companies will give lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to get quotes from other companies to help ensure you have the lowest rates.
Teen drivers pay high rates – Youthful drivers in California are statistically shown to get distracted easily in a vehicle so insurance rates are higher. Adding a youthful driver to your policy can really hurt. Older insureds are more cautious drivers, tend to file fewer claims, and tend to be get fewer driving tickets.
The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Does auto insurance cost more for men? – Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both genders get in at-fault accidents in similar numbers, but guys tend to have higher claims. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers tend to get in the most accidents so they pay the highest premiums.
The diagram below visualizes the comparison of Audi A4 insurance prices for male and female drivers. The information is based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Your job can affect premiums – Did you know your career choice can influence rates? Occupations like fire fighters, police officers, and miners generally have higher premium rates because of intense work situations and lengthy work days. Other occupations like scientists, engineers and homemakers generally pay rates lower than average.
What type of vehicle do you drive? – The performance level of the car you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The lowest rates will generally be found on lower performance four cylinder passenger cars, but your final cost has many other factors.
The chart below assumes a single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Audi A4 car insurance rates compared to other makes and models that have a range of performance rating factors.
Never go without insurance – Allowing your coverage to lapse will be a guaranteed way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance may earn you fines or a revoked license.
Audi A4 insurance loss probability – Auto insurance companies use past loss statistics for each vehicle to help calculate a profitable premium rate. Models that historically have increased losses will have higher premium rates. The next table illustrates the collected loss data for Audi A4 vehicles.
For each coverage category, the claim amount for all vehicles as a whole is set at 100. Percentages below 100 suggest losses that are better than average, while percentage numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
|Vehicle Make and 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance does more than just repair your car
Despite the high insurance cost for a Audi A4 in Riverside, buying insurance is required in California but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your vehicle, most banks will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Audi at a much higher premium rate and make you pay much more than you were paying before.
- Insurance protects both your assets and your vehicle. It will also cover medical bills incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. The average driver in California overpays as much as $855 a year so it’s recommended you shop around at least once a year to ensure rates are competitive.