Affordable Rate Quotes for Audi A4 Insurance in Philadelphia

Having to pay for overpriced Audi A4 insurance in Philadelphia can sap your bank account and force you to make tough financial choices.

Unthinkable but true, 70% of consumers have bought auto insurance from the same company for well over three years, and nearly half have never shopped around. Drivers in Philadelphia could save themselves roughly $700 a year, but they just assume it takes a lot of time to compare rate quotes. Online insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

You should take the time to take a look at other company’s rates at least once a year due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest price on Audi A4 insurance in Philadelphia a year ago you will most likely find a better rate quote today. There is a lot of bad advice regarding A4 insurance out there, but we’re going to give you the easiest ways to quit paying high auto insurance rates in Philadelphia.

If you are insured now or want to find a cheaper company, use these money-saving tips to get lower rates while maintaining coverages. Buying affordable car insurance in Philadelphia is much easier if you have a good place to start. Comparison shoppers just have to learn the most time-saving way to compare company rates from multiple carriers.

Quote Philadelphia Audi A4 insurance online

The companies shown below are ready to provide free quotes in Pennsylvania. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Audi A4 insurance rates and statistics

The rate table displayed below covers a range of rate quotes for Audi A4 models. Learning a little about how car insurance premiums are established can benefit drivers when making informed decisions when shopping around for a new policy.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in Philadelphia location which can affect price quotes noticeably.

Raise deductibles and save

When comparing car insurance rates, the most common question is how high should your deductibles be. The figures shown below help summarize the price difference when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can revise insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $41 more each month or $492 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 22 months between claims, you would probably come out ahead if you decide on a higher deductible.

One thing to note is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket if you have a claim. You need enough disposable income in the event you need to pay the deductible for vehicle repair.

The information below illustrates how your choice of deductibles and can increase or decrease Audi A4 insurance costs for each different age category. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Cost difference between full coverage and liability

The example below visualizes the comparison of Audi A4 insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The price estimates are based on no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no definitive rule of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s say your Audi A4 book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Local insurance agents

Some people would rather get professional advice from a licensed agent and that is a smart decision Good insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that drivers can get the best rates but also keep your business local. And supporting neighborhood insurance agencies is important especially in Philadelphia.

To make it easy to find an agent, after completing this short form, your coverage information is emailed to agents in your area who can give free rate quotes and help you find cheaper coverage. You don’t have to contact any insurance agencies due to the fact that quote results will go to you directly. If you wish to compare prices from a specific insurance provider, don’t hesitate to go to their quote page and submit a quote form there.

Car insurance agents in Philadelphia come in two varieties

When narrowing the list to find a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they function. Insurance agencies can be categorized as either independent (non-exclusive) or exclusive. Either can do a good job, but it’s good to learn the differences since it can affect which agent you choose.

Independent Agencies or Brokers

Independent agents are normally appointed by many insurers so they can insure your vehicles through many companies and find the cheapest insurance rates. If they quote lower rates, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, it’s recommended you include several independent insurance agents to get the best comparison.

Below is a partial list of independent insurance agencies in Philadelphia that can give you free rate quotes.

More Philadelphia agents

Exclusive Insurance Agents

Exclusive agencies can only write with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price.

Below is a short list of exclusive agents in Philadelphia who can help you get price quote information.

More Philadelphia agents

Choosing an car insurance agent shouldn’t rely on just a cheap quote. These are some valid questions you should ask.

• Will a damage claim use OEM or aftermarket replacement parts?
• Which family members are covered?
• Are there any discounts that you might be missing?
• Will your rates increase after a single accident?
• Does their agency support local causes in Philadelphia?