Want to learn how to find lower-priced Audi A4 insurance in Virginia Beach? Searching for low-cost insurance for a new or used Audi A4 in Virginia can be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to compare rates for a Audi and locate the lowest possible price from both online companies and Virginia Beach agents.
It goes without saying that insurance companies want to keep you from comparing prices. People who shop around for a cheaper policy are likely to switch car insurance companies because there is a significant possibility of finding a lower-cost company. A recent survey found that drivers who compared price quotes annually saved on average $3,500 over four years compared to other drivers who never compared other company’s rates.
If finding the lowest rates on car insurance in Virginia Beach is your ultimate objective, knowing the best ways to shop for insurance rates can save time and make the process easier.
All the larger auto insurance companies give insurance quotes from their websites. Comparing Audi A4 insurance rates online is very simple because it’s just a matter of typing in the coverage amounts you desire into the quote form. Upon sending the form, their quoting system automatically retrieves reports for credit and driving violations and returns a price quote.
Getting online quotes for Audi A4 insurance in Virginia Beach streamlines rate comparisons, and it’s very important to perform this step if you are searching for affordable rates.
If you want to fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy deductibles and limits just like they are on your policy. This makes sure you will have comparison quotes using the exact same coverages.
The auto insurance companies shown below are ready to provide free quotes in Virginia. To locate the best auto insurance in Virginia, we suggest you click on several of them to get the lowest price.
Facts and figures for Audi A4 insurance
The coverage information displayed next showcases a range of insurance policy prices for Audi A4 models. Learning as much as possible about how policy rates are established is important for you to make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$154||$352||$348||$20||$104||$978||$82|
|A4 2.0T Premium Turbo 4-Dr Sedan||$154||$306||$348||$20||$104||$932||$78|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$154||$306||$348||$20||$104||$932||$78|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$154||$352||$348||$20||$104||$978||$82|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$172||$352||$348||$20||$104||$996||$83|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$172||$352||$348||$20||$104||$996||$83|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$172||$352||$348||$20||$104||$996||$83|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$172||$352||$348||$20||$104||$996||$83|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$172||$352||$348||$20||$104||$996||$83|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$172||$352||$348||$20||$104||$996||$83|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in vehicle location which can increase or decrease prices considerably.
The example below demonstrates how deductible levels and can influence Audi A4 insurance premiums for each age group. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Do you need full coverage?
The diagram below compares Audi A4 insurance costs with full coverage and liability only. The prices are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no clear-cut rule for excluding comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Audi A4 settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after you pay the deductible. If you are paying over $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few cases where only buying liability is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Three main reasons to buy auto insurance
Even though it’s not necessarily cheap to insure an Audi in Virginia Beach, maintaining insurance may be mandatory for several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you want to drive legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If your Audi A4 has a loan, almost every bank will have a requirement that you have full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Audi at a more expensive rate and force you to pay for the much more expensive policy.
- Insurance safeguards not only your Audi A4 but also your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $825 a year so compare quotes from several companies each time the policy renews to ensure rates are inline.
Eight Things That Influence Your Insurance Rates
Consumers need to have an understanding of the different types of things that help determine your car insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that can earn you lower car insurance prices. Many factors are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, although others are more transparent such as your credit history or your financial responsibility.
The items below are a few of the things car insurance companies consider when setting your prices.
Better premiums on safer cars – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and fewer injuries translates directly to fewer claims and lower rates for you.
Avoid tickets and save – How you drive can have a huge impact on auto insurance premiums. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one citation may cause rates to rise by as much as thirty percent. Drivers unfortunate enough to have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
The diagram below demonstrates how citations and at-fault accidents can impact Audi A4 insurance prices for each age group. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.
Low stress job equals lower premiums – Did you know that where you work can have an impact on rates? Careers such as lawyers, social workers, and miners tend to have the highest average rates in part from intense work requirements and lots of time spent away from family. Other careers such as scientists, athletes and retirees have lower than average premiums.
Prevent theft and save – Choosing to buy a car with anti-theft technology or alarm system can save you some money. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
Men drivers tend to cost more – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men have fender benders in similar percentages, but males have costlier accidents. Men also tend to receive more major tickets such as reckless driving.
The information below visualizes the comparison of Audi A4 insurance premiums for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.
An active insurance claims history can increase rates – If you tend to file frequent claims, you should expect much higher rates or policy non-renewal. Auto insurance companies in Virginia generally give lower rates to policyholders who file claims infrequently. Insurance coverage is designed for claims that pose a financial burden.
Discounts for married drivers – Having a wife or husband may earn you lower rates on car insurance. It may mean you are more mature and responsible and insurance companies reward insureds because drivers who are married are more cautious.
How do annual miles impact prices? – The higher the mileage driven every year the more you’ll pay to insure your vehicle. A lot of companies apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your A4 may be wasting your money. Double check that your car insurance declarations sheet shows the right rating data, because it can save money.
Insurance losses for an Audi A4 – Companies use past insurance losses as a tool for profitable underwriting. Vehicles that are shown to have a trend towards higher claims will be charged more to insure. The data below shows the historical insurance loss data for Audi A4 vehicles.
For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Numbers below 100 represent a good loss history, while values that are 100 or greater point to more frequent losses or an increased probability of a larger loss.
|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|
Statistics from IIHS.org for 2013-2015 Model Years
You can find affordable coverage
Insureds leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, policy cancellation or even delays in paying claims. No matter why you want to switch, switching car insurance companies is actually quite simple.
As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
Some insurance providers do not provide rate quotes online and these smaller providers sell through local independent agencies. Lower-priced car insurance in Virginia Beach is available on the web as well as from independent agents in Virginia Beach, so you need to compare both in order to have the best chance of saving money.
Steps to finding cheaper rates for Audi A4 insurance in Virginia Beach
The easiest way to find the cheapest price for car insurance rates is to do a yearly price comparison from different companies in Virginia Beach. This can be done by completing these steps.
- First, read about how companies set rates and the modifications you can make to keep rates low. Many rating criteria that cause high rates like speeding tickets, accidents and a negative credit rating can be rectified by making minor changes to your lifestyle.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple sources. Compare rates now
- Third, compare the quotes to your existing policy and determine if cheaper A4 coverage is available in Virginia Beach. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide written notification to your current company of your intention to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. Once the paperwork is finalized, store the certificate verifying proof of insurance with your registration paperwork.
An important bit of advice to remember is to make sure you’re comparing similar limits and deductibles on each quote and and to get quotes from as many car insurance companies as possible. Doing this ensures a level playing field and a complete selection of prices.
Additional information is located on the following sites:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has the Cheapest Virginia Beach Car Insurance Rates for Immigrants? (FAQ)
- What Insurance is Cheapest for a Ford Focus in Virginia Beach? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Safety Belts FAQ (iihs.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)