How cheap is car insurance for an Audi A4?
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UPDATED: Mar 13, 2020
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Audi is manufacturer to many luxury cars such as the Audi A4, A8, TT coupe and more. Committed to both luxury and safety the Audi Company has produced numerous award winning models which are popular worldwide. The Audi A4 is no exception and one of the more popular models due to its affordable price starting at $31,950 for the base 2011 model. Almost all car insurance companies offer coverage for the Audi A4.
How much is car insurance for the Audi A4?
Auto insurance rates will depend on your unique profile but Audi cars have a long track record of safety along with numerous standard and optional safety features including:
- 4 wheel Anti Lock Brakes
- Adjustable seat belts
- Child seat lowering anchors
- Daytime running lights
- Electronic stability control
- Traction control
The more safety features a vehicle has the greater car insurance discounts auto insurance companies will extend. Although some Audi A4 models may not have all of these features (especially prior year models) the vehicle is still an exceptionally safe car. In fact, the Insurance Institute for Highway Safety awarded the 2010-2011 Audi A4 a Top Safety Pick after testing the car for performance in rollover tests.
Your car insurance rates will be determined based on a combination of all the factors in your application including your driving record, the type of car insured, your credit score and more. The good news about the A4 is that you will certainly not be penalized for driving this luxury car but awarded many discounts as far as the type of vehicle insured.
How much car insurance do I need for an Audi A4?
This is a very good question and how much car insurance you will need depends on whether you are buying or leasing the car.
For drivers Leasing an Audi A4
The car leasing company will determine the minimum amount of coverage required which is always far greater than state minimum requirements but also more representative of the policy coverage you should have. When you lease a car the title stays in the name of the auto leasing company so they want to be fully protected in the event of any accident.
For drivers Purchasing an Audi A4
When you purchase a car the only coverage required is enough to comply with state law. Any coverage beyond state minimum requirements is optional. You always want to consider comprehensive, collision and especially GAP insurance for a new car but the only obligation is to meet minimum requirements by law. Minimum auto insurance requirements never provide sufficient coverage for most people and owners of luxury cars can be exposed to great personal liability. Almost all financial advisors recommend never purchasing only the minimum car insurance requirements but rather a well rounded policy with coverage levels exceeding $100,000 for most drivers.
Who has the best Audi car insurance rates?
There is no company who has yet earned the title of best car insurance rates for every driver and there never will be. Due to the numerous factors and different risk formulas the only way to get best car insurance rates is to shop around. Most drivers start with a car insurance comparison search online.
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