Affordable Quotes for Audi A4 Insurance in Phoenix

Would you like to stop wasting money and find more affordable car insurance rates in Phoenix, AZ? Phoenix consumers have many options when looking for affordable Audi A4 insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to find the lowest rates. There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to quote coverages for your Audi and obtain the lowest price from both online companies and Phoenix agents.

It’s important to do rate comparisons before your policy renews because prices go up and down regularly. Just because you found the best price on Audi A4 insurance in Phoenix a few years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you’re about to find out how to quote online to buy cheaper Audi A4 insurance in Phoenix.

You may qualify for discounts for Audi A4 insurance in Phoenix

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but a few need to be asked about before being credited.

• Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
• Paperless Signup – A few larger online companies provide a small discount for buying your policy on their website.
• Accident Forgiveness – Not necessarily a discount, but certain companies allow you one accident before your rates go up if you have no claims for a specific time period.
• Distant College Student Discount – Older children who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
• Discount for New Cars – Insuring a new A4 can save you some money because new vehicles keep occupants safer.

You should keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the amount you have to pay.

To see auto insurance companies that offer some of these discounts in Phoenix, click here to view.

The car insurance companies shown below provide quotes in Phoenix, AZ. If more than one company is shown, we recommend you compare several of them to get the cheapest price.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can influence rates greatly.

Careless driving habits raise Phoenix auto insurance rates

The diagram below shows how speeding tickets and accidents increase Audi A4 annual premium costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Deductible analysis

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The following insurance rates sum up the difference in cost between high and low deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in vehicle garaging location which can decrease or increase coverage prices noticeably.

Based on the data above, we can derive that using a $100 deductible costs an average of $26 more each month or $312 every year than selecting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claim filings, you would come out ahead if you choose the higher deductible.

Policy deductible comparison

The illustration below shows how different deductible levels and can affect Audi A4 insurance costs for different ages of insureds. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Six factors that impact insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that are used to determine the price you pay for auto insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in better auto insurance rates. Many factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although others are less apparent such as whether you are married or your commute time.

• Increase comp and collision deductibles to save – Your deductibles are the amount of money you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, collision with a deer, or theft of your vehicle. The more you’re willing to pay, the less money you will pay for auto insurance.
• Marriage is a factor – Having a wife or husband may save some money on your auto insurance bill. Marriage demonstrates that you tend to be more mature and responsible and statistics show married couples file fewer claims.
• Traffic violations mean higher prices – Having a clean driving record can have a huge impact on auto insurance premiums. Good drivers have lower premiums than people who have multiple driving citations. Having a single driving citation could increase your next policy renewal substantially. Drivers who have flagrant violations such as reckless driving or DUI are required to prove financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
• Age of drivers – Teen drivers in Arizona are statistically shown to be inattentive with other occupants in the car so they pay higher auto insurance rates. If you’ve ever had to add a beginning driver to your auto insurance policy can be quite pricey. Older people are shown to be more cautious, tend to file fewer claims, and are generally more financially stable.
• Where do you drive? – Driving a lot of miles every year the more it will cost to insure it. Most companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates than cars that get driven a lot. Verify your auto insurance policy is showing annual mileage. A policy that improperly rates your A4 can result in significantly higher rates.
• Do thieves like your car? – Buying a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
• Insurance loss data for an Audi A4 – Auto insurance companies analyze historical claim data in order to profitably underwrite each model. Vehicles that tend to have higher prevalence or dollar amount of losses will have higher premium rates.

  The next table shows the actual insurance loss data for Audi A4 vehicles. For each policy coverage type, the statistical loss for all vehicles combined as an average is set at 100. Numbers under 100 represent a good loss history, while values over 100 point to more frequent losses or larger claims.

  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

You are unique and your insurance should be too

When it comes to coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your situation is unique.

These are some specific questions could help you determine whether or not you would benefit from professional advice.

• I have health insurance so do I need medical payments coverage?
• How high should my medical payments coverage be?
• How much will a speeding ticket raise my rates?
• Are split liability limits better than a combined single limit?
• Can I rate high risk drivers on liability-only vehicles?
• When would I need additional glass coverage?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Exclusive versus independent insurance agents

Some people just want to get advice from a local agent and that can be a great decision Agents will help you protect your assets and help submit paperwork. One of the great benefits of getting free rate quotes online is that drivers can save money and get cheap car insurance rates and still have an agent to talk to.

Once you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents in Phoenix that can give you free Phoenix auto insurance quotes to get your business. There is no need to leave your house due to the fact that quote results will go to the email address you provide. If you need to compare prices from a specific insurance company, you would need to find their quoting web page to submit a rate quote request.

Picking the best insurer should include more criteria than just the quoted price. Any agent in Phoenix should be willing to answer these questions.

• Do they offer claims assistance after hours?
• How is replacement cost determined on your vehicle?
• Does the agency have a current Errors and Omissions policy?
• Does the agent recommend any additional coverage?
• Where would your vehicle be repaired?
• Are they involved in claim handling?
• Which family members are covered?
• Can you contact them at any time?

Shown below are agents in Phoenix that are able to give comparison quotes for Audi A4 insurance in Phoenix.

• Bob Schneider – State Farm Insurance Agent
  243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
• Jim Nork – State Farm Insurance Agent
  1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
• Lula Smith – State Farm Insurance Agent
  7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map
• General Southwest Insurance Agency
  5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map

View more Phoenix agents

If you feel you receive good answers and an affordable coverage quote, most likely you have located an provider that is professional and can insure your vehicles.

Insurance does more than just protect your car

Despite the high cost of buying insurance for a Audi A4 in Phoenix, paying for insurance serves an important purpose.

First, almost all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Audi A4 with a loan, it’s guaranteed your bank will force you to have insurance to guarantee payment of the loan. If you default on your policy, the bank may buy a policy for your Audi at a much higher rate and make you pay for it.

Third, insurance safeguards both your car and your personal assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Phoenix is overpaying over $850 per year so compare rates every year to help ensure money is not being wasted.

How much can you save?

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

More affordable insurance in Phoenix is available online and with local Phoenix insurance agents, so get free Phoenix auto insurance quotes from both of them to have the best chance of lowering rates. A few companies do not offer internet price quotes and many times these small insurance companies prefer to sell through independent agents.

People switch companies for a number of reasons such as not issuing a premium refund, policy cancellation, denial of a claim and even delays in paying claims. No matter why you want to switch, choosing a new insurance company can be pretty painless.

Additional detailed information is available in these articles:

• Uninsured Motorist Statistics (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for Felons in Phoenix? (FAQ)
• Who Has the Cheapest Phoenix Auto Insurance for Low Mileage Drivers? (FAQ)
• Child Safety Seats (Insurance Information Institute)
• Auto Insurance Basics (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)