Save Money on Audi A4 Insurance in Tampa

Truthfully, the best way to get discount Audi A4 insurance in Tampa is to start doing a yearly price comparison from insurance carriers that insure vehicles in Florida.

Step 1: Read and learn about how companies set rates and the factors you can control to lower rates. Many factors that are responsible for high rates such as traffic citations, accidents, and a poor credit score can be improved by paying attention to minor details.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources.

Step 3: Compare the quotes to the premium of your current policy to determine if you can save on A4 insurance in Tampa. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.

One important bit of advice is that you use identical coverages on every price quote and and to get prices from as many carriers as you can. Doing this helps ensure a fair price comparison and the best price quote selection.

Inconceivable but true, most car insurance buyers have bought car insurance from the same company for well over three years, and 38% of customers have never compared car insurance rates at all. Drivers in Tampa could pocket roughly 55% a year just by comparing rates, but they mistakenly think it’s difficult to go online and compare rates.

The easiest way to compare rate quotes for Audi A4 insurance in Tampa is to know auto insurance companies allow for online access to provide you with free rate quotes. All consumers are required to do is spend a couple of minutes providing details like your credit rating estimate, how you use your vehicles, your job, and how much you drive. Your information is instantly sent to multiple auto insurance providers and you will get price comparisons instantly to find the best rate.

To compare rates for your Audi A4 now, click here and enter your coverage details.

The companies shown below are ready to provide comparison quotes in Florida. In order to find cheap car insurance in Florida, we recommend you get price quotes from several of them to get the lowest price.

Rates and data analysis

The data table shown below covers estimates of insurance costs for Audi A4 models. Knowing how auto insurance policy rates are calculated is important for you to make decisions when choosing a new policy provider.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Tampa which can decrease or increase insurance rates noticeably.

The diagram below illustrates how choosing a deductible and can raise or lower Audi A4 yearly insurance costs for each age group. The costs are based on a married male driver, full coverage, and no other discounts are factored in.

Comparison of insurance rates by gender and age

The illustration below illustrates the comparison of Audi A4 auto insurance costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Full coverage rates vs. liability-only

The diagram below compares Audi A4 annual premium costs with full coverage and liability only. The data is based on a clean driving record, no claims, $500 deductibles, single marital status, and no other discounts are factored in.

When to stop buying full coverage

There is no definitive formula of when to exclude comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your Audi A4 replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying more than $300 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Get discounts on Tampa insurance

Some companies don’t necessarily list every discount available very clearly, so the following is a list of some of the more common and the harder-to-find credits available to you. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

• Military Rewards – Being deployed with a military unit may lower your prices slightly.
• More Vehicles More Savings – Buying coverage for primary and secondary vehicles with the same insurance company can reduce the rates for all insured vehicles.
• Save with a New Car – Putting insurance coverage on a new A4 can cost up to 25% less due to better safety requirements for new vehicles.
• Defensive Driving Course – Taking time to complete a course in safe driver could earn you a small percentage discount if your company offers it.
• Telematics Data Discounts – Policyholders that allow their company to scrutinize where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as they are good drivers.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a Tampa auto insurance quote.
• Senior Citizens – Seniors can get a slight reduction on a Tampa auto insurance quote.
• One Accident Forgiven – Not necessarily a discount, but companies like GEICO and Liberty Mutual will turn a blind eye to one accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

The diagram below visualizes the comparison of Audi A4 auto insurance costs with and without discounts applied to the premium. The data assumes a male driver, no claims or violations, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, safe-driver, and marriage discounts applied.

A partial list of companies that possibly offer these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before purchasing a policy, check with each company which discounts they offer. Depending on the company, some discounts might not be offered on policies everywhere. To choose companies that offer the discounts shown above in Florida, click this link.

Car insurance is not optional but you don’t have to overpay

Despite the potentially high cost of Audi A4 insurance, buying car insurance may be required for several reasons.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your vehicle has a loan, most lenders will stipulate that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Audi at an extremely high rate and make you pay for the much more expensive policy.
• Insurance protects your Audi A4 and your assets. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of having insurance outweigh the cost, especially for larger claims. The average driver in America is currently overpaying as much as $865 each year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Auto insurance can get complicated

When selecting the best auto insurance coverage for your vehicles, there really isn’t a one size fits all plan. Each situation is unique and your auto insurance should be unique as well.
These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

• Are my company tools covered if they get stolen?
• Can I afford to pay high deductible claims out of pocket?
• How can I get my company to pay me more for my totaled car?
• What states are considered no-fault?
• Is my nanny covered when driving my vehicle?
• How much will a speeding ticket raise my rates?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Buying auto insurance from Tampa insurance agents

Some people still prefer to get professional advice from a licensed agent and that is a smart decision Good insurance agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing rates online is that drivers can save money and get lower rates but still work with a licensed agent. Buying from local insurance agencies is still important in Tampa.

Upon completion of this simple form, your coverage information is sent to companies in Tampa who can give free rate quotes to get your business. It makes it easy because there is no need to leave your computer as quotes are delivered to the email address you provide. In the event you want to get a rate quote from one company in particular, you can always jump over to their website and fill out their quote form.

If you want to buy auto insurance from a good Tampa insurance agent, you should know the different agency structures and how they differ in how they can insure your vehicles. Tampa agents can be categorized as either exclusive or independent (non-exclusive). Either can do a good job, but it’s a good idea to understand how they differ because it can impact your agent selection.

Independent Agents

Agents in the independent channel are normally appointed by many insurers so as a result can place your coverage through lots of different companies enabling the ability to shop coverage around. If your premiums go up, your policy is moved internally and you don’t have to do anything.

If you need lower rates, it’s a good idea to compare prices from multiple independent agents to ensure the widest selection of prices.

The following are independent insurance agencies in Tampa that may be able to give cheap rate quotes.

More Tampa agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are trained well on their products and sales techniques which aids in selling service over price.

The following is a list of exclusive insurance agencies in Tampa willing to provide rate quotes.

More Tampa agents

Choosing the best insurance agency should depend on more than just a cheap price quote. Any good agent in Tampa should know the answers to these questions.

• If your car is in the repair shop, do you have coverage for a rental car?
• Does the agent have a valid license to sell insurance in Florida?
• Which companies can they place coverage with?
• Is there any savings for paying the full premium?
• Do they make recommendations based only on price?

Car insurance coverage basics

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 10/20/10 that translate to a limit of $10,000 per injured person, $20,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, funeral expenses, bail bonds and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Florida requires minimum liability limits of 10/20/10 but it’s recommended drivers buy higher limits.

The next chart demonstrates why buying the state minimum limits may not be adequate.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Audi A4.

Because many people carry very low liability coverage limits (10/20/10 in Florida), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This pays for damage to your A4 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible on your A4 in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage and hitting a bird. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as EMT expenses, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage