Best Insurance for an Audi A4 in Cincinnati

It’s a fact that auto insurance companies don’t want you to compare rates. Insureds who compare rates annually will, in all likelihood, switch companies because of the good chance of finding a policy with better rates. A recent survey discovered that drivers who did price comparisons regularly saved an average of $72 a month as compared to drivers who never shopped around for better prices.

If finding the best rates on insurance is your ultimate goal, then having an understanding of how to get rate quotes and compare coverage rates can make shopping around easier.

Really, the only way to get low-cost Audi A4 insurance is to compare quotes once a year from insurers who sell auto insurance in Cincinnati. Drivers can shop around by following these guidelines.

1. Gain an understanding of coverages and the measures you can control to keep rates low. Many rating criteria that drive up the price like at-fault accidents and a low credit rating can be amended by making small lifestyle or driving habit changes. Continue reading for additional tips to help prevent expensive coverage and earn larger discounts.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agents can provide prices from multiple companies.
3. Compare the new quotes to your current policy premium and see if you can save money. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
4. Tell your current company of your intention to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new carrier. Be sure to safely store the proof of insurance paperwork somewhere easily accessible.

The key aspect of shopping around is to make sure you’re comparing similar coverage information on each quote request and and to compare every company you can. This enables a fair rate comparison and a complete price analysis.

The purpose of this post is to teach you a little about how auto insurance companies operate and some tips to save money. If you have a policy now, you will definitely be able to shop for the lowest rates using the techniques covered below. Consumers just need to understand the most efficient way to get comparison quotes on the web.

Getting a cheaper price on Audi A4 insurance can be relatively painless. All that’s required is to invest a few minutes comparing rate quotes to find the company with inexpensive Cincinnati auto insurance quotes.

The following companies have been selected to offer free quotes in Cincinnati, OH. To locate the best auto insurance in Ohio, we suggest you get rates from several of them to find the lowest car insurance rates.

Cincinnati auto insurance discounts

Car insurance companies do not list every discount they offer in a way that’s easy to find, so we researched some of the more common as well as some of the hidden discounts you could be receiving when you buy Cincinnati auto insurance online.

• Life Insurance – Insurance carriers who offer life insurance give a break if you buy a life policy as well.
• Multi-car Discount – Buying coverage for more than one vehicle with one company can reduce rates for all insured vehicles.
• Multi-policy Discount – If you can bundle your auto and home insurance with one company you could earn a discount of at least 10% off all policies.
• Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• No Claims – Drivers with accident-free driving histories have much lower rates as compared to drivers who are more careless.
• Club Memberships – Being in qualifying employment or professional organizations could trigger savings on auto insurance.
• Savings for New Vehicles – Buying a new car instead of a used A4 can be considerably cheaper because new model year vehicles are generally safer.
• Driver Training Discounts – Participating in a defensive driving course could earn you a small percentage discount depending on where you live.
• Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

The diagram below visualizes the comparison of Audi A4 insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, Ohio 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 safe-driver, multi-policy, claim-free, marriage, multi-car, and homeowner discounts applied.

Companies that have these money-saving discounts include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

Check with every insurance company to give you their best rates. Some discounts listed above may not be offered everywhere.

Audi A4 insurance statistics and information

The price information below showcases estimates of insurance costs for Audi A4 models. Learning more about how insurance rates are formulated can be useful when making decisions on the best policy to buy.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can change insurance rates noticeably.

Deductible analysis

A question often asked by Cincinnati drivers is the level to set your comp and collision deductibles. The rates below can help you understand how much more you’ll pay when you choose different coverage deductibles. The first price estimate table uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific garaging location which can modify coverage rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $21 more each month or $252 each year averaged for all A4 models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 36 months between claim filings, you would come out ahead if you choose a higher deductible.

An important sidenote is that higher deductibles means you will have to pay more of your own money when you have a comprehensive or collision claim. It will be required that you have some savings in the bank in the event you need to pay the higher deductible.

Safe drivers Cincinnati pay cheaper rates

The illustration below demonstrates how citations and accident claims drive up Audi A4 insurance rates for different age groups of insureds. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Rate comparison of male drivers versus female drivers

The chart below illustrates the difference between Audi A4 annual premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.

Car insurance quotes from local Cincinnati insurance agencies

Certain consumers still prefer to visit with an insurance agent and that is OK! Experienced insurance agents are very good at helping people manage risk and help submit paperwork. An additional benefit of getting free rate quotes online is the fact that drivers can get lower prices and also buy local. Putting coverage with local insurance agencies is important especially in Cincinnati.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to local insurance agents who will return price quotes for your car insurance coverage. You never need to contact an agency because prices are sent instantly to you. If you need to get a rate quote from a particular provider, you just need to find their quoting web page and complete a quote there.

Selecting an company should depend on more than just a cheap quote. Here are some questions you might want to ask.

• Can you choose the body shop in case repairs are needed?
• Can glass claims be handled at your home?
• Can you contact them at any time?
• Does the company have a local claim office in Cincinnati?
• Who is covered by the car insurance policy?
• What insurance companies do they recommend if they are an independent agent?

After getting good answers to these questions and affordable Audi A4 insurance rates in Cincinnati quotes, you have narrowed it down to an insurance company that is a good match to insure your vehicles.

Car insurance is an important decision

Despite the potentially high cost of Audi A4 insurance, insurance is required for several reasons.

• Just about all states have mandatory liability insurance requirements which means state laws require a minimum amount of liability protection if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your vehicle with a loan, most lenders will force you to carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Audi for a much higher rate and force you to pay the higher price.
• Car insurance preserves not only your Audi A4 but also your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your Audi gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. The average driver in Ohio overpays as much as $825 a year so you should quote and compare rates each time the policy renews to ensure rates are inline.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Audi A4.

Due to the fact that many Ohio drivers only carry the minimum required liability limits (25/50/25 in Ohio), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, attorney fees, medical expenses and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Ohio state law requires minimum liability limits of 25/50/25 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why the minimum limit may not be enough.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your A4 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your A4 to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as prosthetic devices, funeral costs, doctor visits and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

The cheapest Audi A4 insurance in Cincinnati can be found on the web as well as from independent agents in Cincinnati, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide rate quotes online and usually these small insurance companies work with independent agents.

People who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, policy non-renewal or being labeled a high risk driver. No matter why you want to switch, finding the right insurance provider is less work than it seems.

You just learned quite a bit of information on how to find lower-cost Audi A4 insurance in Cincinnati. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a lesser-known regional company.

Even more information is located in these articles:

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Cincinnati? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Chevrolet Malibu in Cincinnati? (FAQ)
• What Car Insurance is Cheapest for Drivers with Good Credit in Cincinnati? (FAQ)
• All About Airbag Safety (State Farm)
• Teen Driving Statistics (GEICO)