Scraping up a payment for high-priced Audi A4 insurance in Lincoln can draw down your savings and make it hard to pay other bills. Doing a rate analysis can help to cut your insurance bill.
It’s well known that insurance companies don’t want you to look for cheaper rates. People who shop around for better prices will most likely move their business because of the high probability of getting low-cost coverage. A recent study showed that drivers who shopped around saved $860 a year compared to drivers who never shopped around for cheaper prices.
If finding low prices for insurance in Lincoln is your intention, learning how to find companies and compare cheaper coverage can help make the process easier and more efficient.
People have many insurance companies to choose from, and although it’s nice to be able to choose, more options can take longer to find the lowest cost provider for Audi A4 insurance in Lincoln.
When shopping for Audi A4 insurance in Lincoln there are multiple ways to compare rate quotes from many insurance companies in Nebraska. The recommended way to find competitive Audi A4 insurance rates consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it replaces the need to drive to local Lincoln insurance agencies. Shopping for insurance online makes this unnecessary unless you have a complicated situation and need the extra assistance only provided by licensed Lincoln agents. Although you can get the lowest quotes online but have a local agent actually write the policy.
When comparison shopping, comparing a wide range of rates will improve the odds of getting more affordable rates. Some companies don’t provide Lincoln A4 insurance quotes over the internet, so it’s recommended that you also compare prices from them, too.
The companies in the list below have been selected to offer price comparisons in Lincoln, NE. To buy cheap auto insurance in Nebraska, we recommend you visit several of them to find the most affordable auto insurance rates.
Audi A4 insurance coverage information
The premium table displayed below showcases different policy rates for Audi A4 models. Having a better understanding of how insurance policy rates are calculated can help guide drivers when making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$250||$598||$390||$24||$116||$1,378||$115|
|A4 2.0T Premium Turbo 4-Dr Sedan||$250||$520||$390||$24||$116||$1,300||$108|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$250||$520||$390||$24||$116||$1,300||$108|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$250||$598||$390||$24||$116||$1,378||$115|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$280||$598||$390||$24||$116||$1,408||$117|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$280||$598||$390||$24||$116||$1,408||$117|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$280||$598||$390||$24||$116||$1,408||$117|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$280||$598||$390||$24||$116||$1,408||$117|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$280||$598||$390||$24||$116||$1,408||$117|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$280||$598||$390||$24||$116||$1,408||$117|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can alter rates considerably.
Responsible drivers pay cheaper auto insurance rates
The example below shows how traffic citations and accidents raise Audi A4 car insurance costs for each different age group. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Why Informed Drivers Pay Less for Audi A4 Insurance
Many things are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, but some are not as apparent like your vehicle usage or how safe your car is.
Which gender costs less? – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. They both cause at-fault accidents at about the same rate, but males get into accidents with more damage. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below shows the difference between Audi A4 car insurance rates for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Small coverages can add up – Policies have extra add-on coverages that you can buy if you aren’t diligent. Coverages like roadside assistance, towing, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
The more you drive the more you pay – The higher the miles on your Audi annually the higher the price you pay to insure it. The majority of insurers calculate prices partially by how you use the vehicle. Vehicles that sit idle most of the time can be on a lower rate level than those used for commuting. Having the wrong rating on your A4 is throwing money out the window. It’s a smart idea to ensure your insurance policy is showing how each vehicle is driven, because it can save money.
Older drivers pay less – Young drivers in Nebraska are known to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher. More mature drivers are more cautious drivers, cost insurance companies less in claims, and are generally more financially stable.
The data below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Bundle policies with the same company – Many insurance companies apply a discount to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible. Consumers may save even more than the discount by insuring with multiple companies.
Job and insurance rates – Did you know that where you work can have an impact on rates? Careers like lawyers, air traffic controllers, and medical professionals usually pay higher premiums than the average policyholder because of intense work requirements and lengthy work days. On the flip side, professions such as actors, engineers and homemakers get better rates.
Big cities mean more claims – Residing in areas with lower population has it’s advantages if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates. Urban drivers tend to have congested traffic and more time behind the wheel. More time on the road means a statistically higher chance of an accident.
Marriage can lower prices – Being married can get you a discount when buying insurance. Having a spouse demonstrates that you tend to be more responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
Insurance loss data for an Audi A4 – Companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that the data shows to have increased losses will have higher rates for specific coverages.
The table shown below demonstrates the actual insurance loss data for Audi A4 vehicles. For each type of coverage, the claim probability for all vehicles averaged together is represented as 100. Numbers below 100 suggest a positive loss record, while percentage numbers above 100 indicate frequent claims or an increased chance of larger losses than average.
|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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Choosing the best Audi vehicle insurance in Nebraska is an important decision
Despite the high cost, insurance is required by state law in Nebraska and it also provides benefits you may not be aware of.
- The majority of states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to drive the car legally. In Nebraska 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 Audi A4 with a loan, it’s guaranteed your bank will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may buy a policy for your Audi at a much higher rate and require you to pay a much higher amount than you were paying before.
- Insurance protects not only your Audi but also your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your A4 are without a doubt worth the cost, especially if you ever need it. On average, a vehicle owner in Lincoln is overpaying over $830 a year so compare rates each time the policy renews to help ensure money is not being wasted.
Lincoln auto insurance companies ranked
Ending up with the best car insurance company can be a challenge considering how many choices there are in Lincoln. The company information in the next section can help you select which companies you want to consider shopping your coverage with.
Top 10 Lincoln Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Top 10 Lincoln Car Insurance Companies Ranked by Value
- AAA Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century