It’s well known that insurance companies don’t want their customers to go rate shopping. People who shop around at least once a year are very likely to switch to a new company because there is a great chance of finding a lower-cost company. A study discovered that drivers who shopped around saved an average of $70 a month compared to those who never compared rates.
If saving money on Audi A4 insurance in Las Vegas is your intention, then understanding how to get price quotes and compare coverages can help simplify the process.
If saving the most money is your goal, then the best way to find better pricing on Audi A4 insurance in Las Vegas is to compare prices once a year from companies in Nevada.
First, spend a few minutes and learn about policy coverages and the modifications you can make to drop your rates. Many risk factors that drive up the price like speeding tickets, accidents and an imperfect credit score can be improved by paying attention to minor details. Keep reading for tips to get affordable coverage and get discounts that may be overlooked.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies. Start a quote
Third, compare the quotes to your existing policy to determine if you can save on A4 insurance. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit payment and a signed application to your new agent or company. Immediately keep the new certificate of insurance in an easily accessible location.
An essential thing to point out is to try to use identical limits and deductibles on every price quote and and to look at as many auto insurance providers as possible. This provides a level playing field and the most accurate and complete price analysis.
The Audi A4 Insurance Price Equation
Smart consumers have a good feel for some of the elements that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.
The items below are just a few of the factors used by your company to calculate rates.
Do you work long hours in a stressful job? – Did you know your career choice can influence rates? Occupations such as judges, air traffic controllers, and stock brokers are shown to have higher rates than the rest of us attributed to intense work requirements and lots of time spent away from family. On the other hand, occupations such as scientists, engineers and homemakers have the lowest average rates.
File policy claims and pay more – Car insurance companies in Nevada generally give lower rates to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for more catastrophic claims.
Maintain car insurance coverage – Allowing your coverage to lapse is a fast way to pay more for car insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Nevada motor vehicle department to get your license reinstated.
You might pay more if you are single – Walking down the aisle can actually save you money when shopping for car insurance. It usually means you are more financially stable and statistics prove married couples file fewer claims.
Audi A4 insurance loss statistics – Insurers use claims history to determine a price that will be profitable for them. Models that tend to have a higher amount or frequency of claims will cost more for specific coverages.
The data below shows the collected loss data for Audi A4 vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Values that are under 100 mean the vehicle has better than average losses, while numbers above 100 indicate frequent claims or tendency to have larger claims.
|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
Most major insurance companies make it easy to get insurance quotes on the web. Comparing Audi A4 insurance rates online is fairly straightforward as you just type in your required coverages on the page. After the form is submitted, their system obtains your driving and credit reports and returns a price quote based on many factors. Being able to quote online for Audi A4 insurance in Las Vegas simplifies rate comparisons, and it is important to get many rate quotes in order to find cheap insurance pricing.
In order to find out how much you’re overpaying now, compare rates from the companies below. If you have a policy now, it’s recommended you complete the form with the insurance coverages identical to your current policy. This makes sure you’re receiving an apples-to-apples comparison using the exact same coverages.
The companies shown below provide free rate quotes in Nevada. If you wish to find the best auto insurance in Nevada, we recommend you compare several of them to get the best price comparison.
Audi A4 coverage statistics
The information below outlines estimates of rate quotes for Audi A4 models. Understanding more about how rates are calculated helps drivers make smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$218||$438||$308||$18||$92||$1,074||$90|
|A4 2.0T Premium Turbo 4-Dr Sedan||$218||$382||$308||$18||$92||$1,018||$85|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$218||$382||$308||$18||$92||$1,018||$85|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$218||$438||$308||$18||$92||$1,074||$90|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$244||$438||$308||$18||$92||$1,100||$92|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$244||$438||$308||$18||$92||$1,100||$92|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$244||$438||$308||$18||$92||$1,100||$92|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$244||$438||$308||$18||$92||$1,100||$92|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$244||$438||$308||$18||$92||$1,100||$92|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$244||$438||$308||$18||$92||$1,100||$92|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in specific zip code location which can alter insurance rates noticeably.
Audi A4 insurance costs by gender and age
The information below shows the difference between Audi A4 insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single status, and no other discounts are factored in.
Cost difference between full coverage and liability
The chart below compares Audi A4 insurance prices with full coverage and liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
Should you be buying full coverage?
There is no set guideline to delete full coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Audi A4 replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying the physical damage deductible. If it’s costing you more than $600 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Best reasons to buy auto insurance in Nevada
Even though Las Vegas A4 insurance rates can get expensive, paying for auto insurance serves several important purposes.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability in order to drive the car. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Audi, more than likely the lender will force you to have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may buy a policy for your Audi for a lot more money and require you to pay for it.
- Insurance protects both your Audi A4 and your personal assets. It will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays as much as $800 each year so shop around at every renewal to be sure current rates are still competitive.
Get affordable rates by applying discounts
Car insurance companies don’t always publicize every discount they offer very well, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Las Vegas car insurance online.
- Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
- Discount for Good Grades – Performing well in school can save 20 to 25%. Most companies allow this discount up to age 25.
- Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
- Low Mileage – Maintaining low annual mileage may allow you to get discounted prices on garaged vehicles.
Discounts lower rates, but most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.
The illustration below compares Audi A4 annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving violations, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-policy, and multi-car discounts applied.
If you would like to view insurance companies that offer some of these discounts in Nevada, follow this link.
Local neighborhood insurance agents
Some people would prefer to sit down and talk to an agent and we recommend doing that A good thing about comparing rates online is you can get cheap car insurance quotes and still buy from a local agent.
For easy comparison, once you complete this short form, the coverage information is transmitted to companies in Las Vegas who will give competitive quotes for your business. You won’t need to do any legwork because quoted prices will be sent to your email. You can find lower rates without having to waste a lot of time. If for some reason you want to get a comparison quote from a specific company, feel free to find their quoting web page to submit a rate quote request.
Choosing the best provider requires more thought than just a cheap price. Agents should be asked these questions:
- Did they already check your driving record and credit reports?
- Are they involved in claim handling?
- How many years have they been established?
- Can you use your own choice of collision repair facility?
- Does the agency support the community they serve?
- Are aftermarket or OEM parts used to repair vehicles?
Pick the best auto insurance agent in Las Vegas for you
When looking for a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they operate. Car insurance policy providers can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with such as AAA, Allstate, and State Farm. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. These agents are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates.
Shown below is a list of exclusive insurance agents in Las Vegas that can give you comparison quotes.
Independent Insurance Agents
Agents of this type can quote rates with many companies so as a result can place your coverage with an assortment of companies and find you the best rates. If they find a lower price, they can switch companies in-house and you don’t have to switch agencies.
If you need cheaper car insurance rates, you absolutely need to include price quotes from independent agents to have the best price comparison.
Below are independent agents in Las Vegas that can give you comparison quotes.
Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map
When do I need an agent’s advice?
When it comes to buying the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that.
For instance, these questions can help discover if your situation would benefit from an agent’s advice.
- Is my Audi A4 covered for flood damage?
- Does my Audi A4 qualify for pleasure use?
- Do I need more liability coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Which companies will insure high-risk drivers?
- Does my policy pay for OEM or aftermarket parts?
- Why do I have to buy liability insurance?
- How do I insure my teen driver?
- Should I waive the damage coverage when renting a car?
- Do they offer discounts for home and auto coverage?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
Smart shoppers get results
When getting Las Vegas car insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.
You just read a lot of techniques to save on Audi A4 insurance in Las Vegas. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from an unexpected company. Some small companies may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate, GEICO and Progressive.
For more information, feel free to visit the articles below:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Used Cars in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance for a Nissan Rogue? (FAQ)
- Who Has Cheap Auto Insurance Rates for Nurses in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Male in Las Vegas? (FAQ)
- Frontal Crash Tests (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)