Save on Audi A4 Insurance in Pittsburgh

Really, the only way to get affordable Audi A4 insurance is to regularly compare quotes from companies who provide car insurance in Pittsburgh. Price quotes can be compared by completing these steps.

First, it will benefit you to learn about car insurance and the things you can change to keep rates low. Many policy risk factors that are responsible for high rates like high-risk driving behaviors and bad credit can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more ideas to get better rates and find additional discounts you may qualify for.

Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies. Click to view companies

Third, compare the new rate quotes to your existing rates to see if cheaper A4 coverage is available. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide notification to your current company to cancel your current policy and submit payment and a completed application for the new policy. As soon as coverage is bound, keep the new certificate of insurance with your vehicle’s registration.

One important bit of advice is to make sure you’re comparing the same deductibles and limits on each quote request and and to get rate quotes from as many different companies as possible. Doing this enables an apples-to-apples comparison and a thorough selection of prices.

It’s well known that auto insurance companies don’t want their customers to go rate shopping. People who shop around at least once a year are likely to buy a different policy because there is a great chance of finding a lower-priced policy. A recent survey discovered that people who regularly shopped around saved an average of $850 each year compared to those who never shopped around for lower prices.

If saving money on auto insurance in Pittsburgh is the reason you’re here, then knowing how to get rate quotes and compare insurance premiums can save time and make the process easier.

If you have insurance now or just want to reduce your rates, you can use these tips to get lower rates without having to cut coverage. Locating the most cost-effective car insurance policy in Pittsburgh is really quite easy. Drivers only have to learn the proper methods to get comparison rates from many different companies.

Cheaper rates on Audi A4 insurance in Pittsburgh with these discounts

Car insurance companies don’t list all their discounts in an easy-to-find place, so the list below gives a summary of both the well known and the harder-to-find discounts you could be receiving when you buy Pittsburgh car insurance online.

• Online Discount – A few auto insurance companies will give you a small discount shop Pittsburgh car insurance on the internet.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can avoid accidents and will save you 10% or more on A4 insurance in Pittsburgh.
• Own a Home – Just owning your own home can save a few bucks because maintaining a house requires a higher level of personal finance.
• Low Miles Discount – Low mileage vehicles may allow you to get slightly better premium rates than normal.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.

Discounts save money, but please remember that most discount credits are not given to the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.

The illustration below visualizes the comparison of Audi A4 car insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.

To find insurers that offer the discounts shown above in Pittsburgh, follow this link.

Finding low cost insurance prices can be relatively painless. You just need to take the time to compare rate quotes from online providers.

Getting free rate quotes online is quite simple, and it replaces the need to physically go to insurance agencies in your area. Shopping for insurance online eliminates the need for an insurance agent unless your situation requires the extra assistance of an agent trained in personal lines coverage. You can, however, comparison shop online but purchase the actual policy in an agency.

The providers in the list below are ready to provide price quotes in Pennsylvania. If multiple companies are listed, it’s a good idea that you compare several of them to get a more complete price comparison.

Audi A4 insurance rate analysis

The premium information displayed next highlights estimates of insurance coverage prices for Audi A4 models. Being aware of how policy rates are figured is important for drivers to make smart choices when buying a car insurance policy.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific location information which can increase or decrease insurance rates considerably.

Can higher deductibles save money?

When buying car insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below highlight the rate fluctuation between low and high coverage deductibles. The first data set uses a $100 deductible and the second pricing table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in zip code location which can change coverage rates greatly.

Based on the figures above, using a $100 deductible will cost you about $28 more each month or $336 each year than requesting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claims, you would probably save some money if you choose the higher deductible.

Cost difference between full coverage and liability

The chart below shows the comparison of Audi A4 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The premium estimates are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are factored in.

When to stop buying physical damage coverage

There is no exact formula for excluding physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Audi A4 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after you pay the deductible. If you are paying more than $200 a year for physical damage coverage, then it may be the right time to buy liability only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

You Can Change Your Insurance Prices

Many factors are part of the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other criteria are more transparent such as your credit history or how financially stable you are.

• Always keep your policy in force – Driving without insurance coverage in place is a misdemeanor and auto insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance could result in a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.
• See if your company offers a multi-policy discount – Most major companies provide better rates to clients that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.

• Lower rates come with age – Beginning drivers in Pennsylvania are statistically proven to get distracted easily when at the wheel of a vehicle therefore auto insurance rates are much higher. If you’ve ever had to add a young driver onto your auto insurance can be very expensive. Mature drivers are more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.

  The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Use credit responsibly and save – Having a bad credit score is likely to be a major factor in determining your rates. Drivers with high credit scores tend to be more responsible and file fewer claims than drivers with bad credit. Therefore, if your credit rating can be improved, you could save money insuring your Audi A4 by spending a little time repairing your credit.
• Limits of liability protection – A critical coverage on your policy, liability insurance kicks in if ever a court rules you are at fault for damages from an accident. This coverage provides legal defense which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

• Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Only having one speeding ticket can bump up the cost by as much as twenty percent. Attentive drivers receive lower rates as compared to those with violations. Drivers who have multiple tickets like reckless driving or DUI are required to prove financial responsibility with their state’s licensing department in order to prevent a license revocation.

  The diagram below shows how violations and at-fault claims can affect Audi A4 auto insurance costs for each age group. The premiums assume a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

• Insurance loss statistics an Audi A4 – Car insurance companies factor in insurance loss information when they set coverage costs for each model. Vehicles that the statistics show to have higher losses will be charged more to insure.

  The table shown below demonstrates the loss history for Audi A4 vehicles. For each policy coverage type, the statistical loss for all vehicles combined as an average is set at 100. Numbers shown that are under 100 suggest losses that are better than average, while percentage values above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

  
  

  Audi A4 Insurance Loss Statistics

  Vehicle 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 may need specialized auto insurance coverage

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether your personal situation could use an agent’s help.

• How can I find cheaper teen driver insurance?
• Is extra glass coverage worth it?
• What are the liability requirements in my state?
• Is business property covered if stolen from my car?
• Do I need an umbrella policy?
• When can my company non-renew my policy?
• What is an SR-22 filing?
• How high should my medical payments coverage be?
• Should I rate my Audi A4 as pleasure use or commute?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Compare rates but still have a local Pittsburgh insurance agent

Some consumers would rather visit with an insurance agent and that is OK! Most agents can help determine the best coverages and help in the event of a claim. A nice benefit of comparing rate quotes online is you may find lower rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your information is immediately sent to companies in Pittsburgh that give free quotes for your insurance coverage. You won’t even need to leave your house because quoted prices will be sent to the email address you provide. If for some reason you want to compare prices from a specific insurance provider, you would need to go to their quote page and complete a quote there.

Finding the right insurer should depend on more than just a low price. Here are some questions you should ask.

• How does the company pay claims for a total loss?
• How many companies do they write for?
• What insurance companies do they recommend if they are an independent agent?
• In the event of vehicle damage, can you pick the collision repair facility?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they get paid more for recommending certain coverages?

Shown below are Pittsburgh auto insurance companies that may be willing to give price quotes for Audi A4 insurance in Pittsburgh.

More insurance agents

Buying the right Audi A4 insurance in Pennsylvania is an important decision

Even though it can be expensive, insurance may be required for several reasons.

• Almost all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance in order to license the vehicle. In Pennsylvania 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 lien on your A4, almost all lenders will require you to buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Audi at a much higher premium rate and force you to pay a much higher amount than you were paying before.
• Car insurance protects not only your Audi but also your financial assets. Insurance will also pay for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having car insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $855 a year so compare rates every year to make sure the price is not too high.

Lower rates by being persistent

Insureds change insurance companies for any number of reasons including high prices, denial of a claim, not issuing a premium refund and delays in paying claims. Whatever your reason, switching companies is actually quite simple.

When you buy Pittsburgh car insurance online, never skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

We just showed you a lot of techniques to save on Audi A4 insurance in Pittsburgh. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper Pittsburgh car insurance quotes. You may even be surprised to find that the best price on car insurance is with a small local company.

Even more information is available in these articles:

• Collision Insurance Coverage (Nationwide)
• Who Has Cheap Car Insurance for Used Cars in Pittsburgh? (FAQ)
• What Auto Insurance is Cheapest for Low Income Drivers in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for a Honda Civic in Pittsburgh? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• Red Light Cameras (State Farm)
• Distracted Driving (Insurance Information Institute)
• Young Drivers: The High Risk Years Video (iihs.org)