Would you like to save money by finding the cheapest Audi A4 insurance in Evansville? Nobody gets a kick out of paying for insurance, especially when they know their premiums are too high.
Amazingly, a recent NerdWallet.com study showed that the vast majority of drivers renewed their policy with the same company for well over three years, and nearly half have never even shopped around for affordable coverage. Drivers in America can save about $859 each year by just comparing quotes, but they don't know how much savings they would realize if they moved their coverage to a different company. People have so many insurance companies to pick from, and though it is a good thing to be able to choose, more choices can make it harder to compare rates and find the lowest cost insurance.
Consumers should take time to do rate comparisons on a regular basis because prices go up and down regularly. Just because you had the best deal on Audi A4 insurance in Evansville a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance because you're going to learn the quickest way to properly buy coverages and cut your premium.
Locating the best insurance company for you in Evansville is actually not that difficult if you follow our advice. If you have a policy now, you should be able to get lower rates using these methods. Smart buyers just need to know the quickest method to get comparison rates from many different companies online.
Low-cost companies for Audi A4 insurance
The providers in the list below offer quotes in Indiana. If multiple providers are shown, we suggest you visit two to three different companies to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$226||$400||$368||$22||$110||$1,126||$94|
|A4 2.0T Premium Turbo 4-Dr Sedan||$172||$358||$318||$18||$94||$960||$80|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$130||$280||$318||$18||$94||$840||$70|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$262||$668||$364||$22||$110||$1,426||$119|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$262||$580||$318||$18||$94||$1,272||$106|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$218||$460||$340||$20||$102||$1,140||$95|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$216||$392||$286||$16||$86||$996||$83|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$144||$306||$318||$18||$94||$880||$73|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$144||$306||$294||$18||$88||$850||$71|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$262||$580||$294||$18||$88||$1,242||$104|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in specific location which can alter auto insurance rates substantially.
The information below demonstrates how deductible levels and can raise or lower Audi A4 insurance rates for different age groups. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied.
Discounts for lower-cost insurance quotes
Car insurance companies don't necessarily list the entire discount list in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.
- Accident Waiver - Not a discount per se, but certain companies will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
- Onboard Data Collection - People who choose to allow data collection to monitor vehicle usage by installing a telematics device such as Progressive's Snapshot might get better premium rates as long as the data is positive.
- ABS Braking Discount - Vehicles with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
- Defensive Driving Course - Completing a course teaching safe driver skills is a good idea and can lower rates if you qualify.
- Club Memberships - Being in a professional or civic organization could qualify you for a break on your policy.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. Any amount of discount will help lower your overall premium however.
For a list of providers who offer online Audi A4 insurance quotes in Evansville, click here to view.
Buying insurance from Evansville car insurance agents
Many people prefer to have an agent's advice and often times that is recommended Agents can point out coverage gaps and help submit paperwork. An additional benefit of price shopping on the web is the fact that drivers can get lower premium rates and also buy local.
To find an agent, once you fill out this quick form, your insurance data is submitted to local insurance agents that give free quotes for your insurance coverage. There is no reason to search for an agent since price quotes are sent to your email. If you have a need to quote rates from a specific insurance company, you would need to navigate to their website to submit a rate quote request.
Finding the right company is decision based upon more than just a cheap price quote. The questions below may impact your decision as well.
- Is coverage determined by price?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is the agent properly licensed in Indiana?
- Which companies do they recommend if they are an independent agency?
If you are wanting to find a reliable insurance agency, it's helpful to know the different agency structures and how they can write your policy. Insurance agencies may be either independent agents or exclusive agents. Either one can write insurance policies, but it's worth mentioning how they differ since it may influence your selection of an agent.
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on what they offer which helps them compete with independent agents.
The following is a list of exclusive insurance agencies in Evansville willing to provide comparison quotes.
Independent Insurance Agencies
Independent agents do not have single company limitations and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can switch companies and you won't have to switch agencies.
When comparing insurance rates, you definitely need to get quotes from at least one independent agent to have the most options to choose from.
Listed below are independent agents in Evansville that are able to give price quote information.
Brand name doesn't guarantee savings
Consumers get pounded daily by advertisements for auto insurance savings from companies such as State Farm, GEICO and Progressive. They all convey the message that you'll save big if you just switch to them.
That's great but how can every company make the same claim? It's all in how they say it.
All the different companies give the cheapest rates for the type of insured that will generate a profit. A good example of a profitable customer could possibly be a mature driver, owns their home, and drives a vehicle with a low ISO rating. Any person who matches those parameters will probably get the lowest rates and therefore will save money with a new company.
Potential insureds who cannot meet the "perfect" profile may be forced to pay higher prices which leads to business not being written. Company advertisements say "customers who switch" not "all people who quote" can get the lowest rates when switching. That is how insurance companies can claim big savings. This really drives home the point why you should get Evansville auto insurance quotes from several different companies. Because you never know which company will have the lowest prices for your situation.
Quote. Compare. Save.
When you buy Evansville auto insurance online, it's not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to buy enough coverage at the best price while still protecting your assets.
Cheaper auto insurance in Evansville can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not have price quotes online and these small insurance companies only sell coverage through local independent agencies.
To read more, feel free to visit the resources below:
- What is Full Coverage? (Allstate)
- Who Has Affordable Indiana Car Insurance Rates for Government Employees? (FAQ)
- How Much are Car Insurance Quotes for Young Drivers in Indiana? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance Rates for Active Military? (FAQ)
- What Auto Insurance is Cheapest in Greenwood, Indiana? (FAQ)
- What is the Cheapest Car Insurance in Portage, Indiana? (FAQ)
- Think You're a Safe Driver? (State Farm)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)