Cheap Insurance for an Audi A4 in Scottsdale

Do you need a better way to compare cheaper Audi A4 insurance in Scottsdale? Did a good deal turn out to be an overpriced auto insurance policy? Believe me when I say many Scottsdale drivers have buyer’s remorse.

Remarkably, a study showed that most auto insurance policyholders have purchased from the same company for well over three years, and 38% of drivers have never compared rate quotes at all. Drivers in Scottsdale can cut their rates by $733 a year just by comparing rates, but most undervalue the amount of savings they would get if they switched.

Since drivers have many online and local companies to choose from, it can be hard to find the lowest cost insurer.

You need to compare rates once or twice a year since prices change frequently. If you had the best price on Audi A4 insurance in Scottsdale six months ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because we’re going to show you one of the best ways to find better rates and still maintain coverage.

When shopping for affordable Scottsdale auto insurance quotes, there are a couple of ways to compare prices from many different Arizona insurance companies. The simplest method to comparison shop involves getting comparison quotes online.

Comparison shopping price quotes online is easy and it takes the place of having to physically go to insurance agencies in your area. The internet reduces the need to sit down with an agent unless your situation requires the peace of mind of a local agency. Although you can find lower rates online but have your policy serviced through an agent.

When quoting car insurance, remember that obtaining a wide range of quotes helps you find the best rates. Some insurance companies are not set up to provide online Scottsdale A4 insurance quotes, so it’s important to compare quotes from those companies as well.

The auto insurance companies shown below have been selected to offer price quotes in Scottsdale, AZ. In order to find cheap auto insurance in Arizona, we recommend you visit as many as you can in order to get a fair rate comparison.

Data for Audi A4 insurance

The table shown below showcases estimates of insurance premium costs for Audi A4 models. Having a better understanding of how prices are calculated can benefit drivers when making informed coverage decisions.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific location information which can raise or lower rates noticeably.

An analysis of deductible level

A question often asked by Scottsdale drivers is which deductible level should you buy. The following tables determine the rate difference between high and low policy deductibles. The first set of prices uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can change price quotes considerably.

Based on this data, using a $100 deductible would cost the average driver about $37 more each month or $444 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 24 months between claims, you would most likely save money if you elect the higher deductible.

The diagram below highlights how deductible selection and can affect Audi A4 insurance rates for different categories of driver ages. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Gender-based car insurance premiums

The information below shows the difference between Audi A4 insurance prices for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

Insurance Premium Influencing Factors

Multiple criteria are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are more transparent like your continuous coverage or your commute time. An important part of buying insurance is that you know the different types of things that are used to determine the price you pay for insurance. If you know what influences your rates, this empowers consumers to make smart changes that can help you get lower rates.

Less chance of injury means lower rates – Vehicles with good safety scores tend to have lower insurance rates. The safest vehicles result in less severe injuries and lower injury rates means less claims paid and cheaper rates on your policy. If your Audi A4 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Expect high rates for teens – Older insureds are more responsible, cause fewer claims and accidents, and get fewer tickets. Teen drivers are statistically shown to be less responsible behind the wheel so insurance rates are higher.

The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Frequent insurance claims increase premiums – Insurance companies in Arizona generally give lower rates to insureds who are claim-free. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of more catastrophic claims.

Proper usage rating affects rates – The more miles you rack up on your Audi annually the higher your rates will be. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level than those used for commuting. Improper usage on your A4 may be wasting your money. Ask your agent if your declarations sheet properly reflects annual mileage.

Traffic violations are costly – A bad driving record has a big impact on rates. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Just one driving citation may cause rates to rise by as much as twenty percent. Drivers with careless citations such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 form with their state DMV in order to continue driving.

The illustration below highlights how traffic violations and at-fault claims increase Audi A4 annual premium costs for different age groups. The data is based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Audi A4 insurance loss data – Insurers take into consideration historical loss data for every vehicle to help determine rates. Vehicles that historically have a trend towards higher claims will be charged more to insure.

The table shown below demonstrates the insurance loss data used by companies for Audi A4 vehicles. For each coverage category, the loss probability for all vehicles combined as an average is considered to be 100. Numbers under 100 represent a good loss history, while percentages above 100 point to more claims or tendency to have larger claims.

Three good reasons to insure your Audi vehicle

Despite the potentially high cost of Audi A4 insurance, maintaining insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• Just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to get the vehicle licensed. In Arizona 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 your vehicle has a loan, more than likely the lender will stipulate that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Audi at a significantly higher premium and force you to pay the higher premium.
• Car insurance preserves your car and your assets. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of insuring your car definitely exceed the price paid, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $825 a year so it’s recommended you shop around every year to make sure the price is not too high.