Save Money on Audi A4 Insurance in Louisville

Discount Audi A4 insuranceIt takes a few minutes, but the best way to get affordable Audi A4 insurance is to compare quotes annually from companies that insure vehicles in Louisville.

One thing to remember is to use the same coverage limits and deductibles on every quote request and and to look at as many companies as possible. This ensures a level playing field and maximum price selection.

It’s well known that insurance companies want to keep you from comparing rates. People who compare other prices are inclined to switch companies because they have a good chance of finding lower prices. A recent auto insurance study revealed that drivers who did price comparisons regularly saved $850 each year as compared to drivers who never shopped around for cheaper prices.

If finding the best rates on insurance in Louisville is your ultimate objective, then having some knowledge of the best way to compare coverage rates can make it easier to find better rates.

The quickest method we recommend to compare insurance rates in your area is to know the fact most insurance companies have advanced systems to compare rate quotes. To get started, all you need to do is give them some information such as your credit rating estimate, if you have an active license, the type of vehicles you drive, and how much you drive. Those rating factors is instantly submitted to multiple different insurance companies and they return rate quotes within a short period of time.

If you would like to start a quote now, click here and enter your zip code.

The companies shown below have been selected to offer price comparisons in Louisville, KY. If you want to find cheap auto insurance in Kentucky, it’s a good idea that you visit several of them in order to find the lowest rates.

Insurance is an important decision

Even though Louisville A4 insurance rates can get expensive, buying insurance may be required for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. Today the average American driver is wasting up to $700 annually so you should quote your policy with other companies every year to save money.

Rates and statistics

The premium information below outlines a range of rate quotes for Audi A4 models. Learning a little about how insurance quotes are figured can assist in making decisions on the best policy coverages.


Audi A4 Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $272 $674 $368 $22 $110 $1,446 $121
A4 2.0T Premium Turbo 4-Dr Sedan $272 $586 $368 $22 $110 $1,358 $113
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $272 $586 $368 $22 $110 $1,358 $113
A4 2.0T Quattro Premium Plus Turbo Station Wagon $272 $674 $368 $22 $110 $1,446 $121
A4 2.0T Premium Plus Turbo 4-Dr Sedan $304 $674 $368 $22 $110 $1,478 $123
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $304 $674 $368 $22 $110 $1,478 $123
A4 2.0T Quattro Premium Plus 4-Dr Sedan $304 $674 $368 $22 $110 $1,478 $123
A4 2.0T Quattro Prestige Turbo Station Wagon $304 $674 $368 $22 $110 $1,478 $123
A4 2.0T Quattro Prestige 4-Dr Sedan $304 $674 $368 $22 $110 $1,478 $123
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $304 $674 $368 $22 $110 $1,478 $123
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can revise premium rates greatly.

How high should deductibles be?

A question often asked by Louisville drivers is at what level do you set your deductibles. The following insurance rates can help you understand the differences in premium rates when you choose different coverage deductibles. The first set of prices uses a $100 deductible and the second data table uses a $500 deductible.


Audi A4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $318 $688 $326 $20 $98 $1,475 $123
A4 2.0T Premium Turbo 4-Dr Sedan $318 $598 $326 $20 $98 $1,385 $115
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $318 $598 $326 $20 $98 $1,385 $115
A4 2.0T Quattro Premium Plus Turbo Station Wagon $318 $688 $326 $20 $98 $1,475 $123
A4 2.0T Premium Plus Turbo 4-Dr Sedan $354 $688 $326 $20 $98 $1,511 $126
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $354 $688 $326 $20 $98 $1,511 $126
A4 2.0T Quattro Premium Plus 4-Dr Sedan $354 $688 $326 $20 $98 $1,511 $126
A4 2.0T Quattro Prestige Turbo Station Wagon $354 $688 $326 $20 $98 $1,511 $126
A4 2.0T Quattro Prestige 4-Dr Sedan $354 $688 $326 $20 $98 $1,511 $126
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $354 $688 $326 $20 $98 $1,511 $126
Get Your Own Custom Quote Go

Audi A4 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $232 $466 $326 $20 $98 $1,142 $95
A4 2.0T Premium Turbo 4-Dr Sedan $232 $404 $326 $20 $98 $1,080 $90
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $232 $404 $326 $20 $98 $1,080 $90
A4 2.0T Quattro Premium Plus Turbo Station Wagon $232 $466 $326 $20 $98 $1,142 $95
A4 2.0T Premium Plus Turbo 4-Dr Sedan $258 $466 $326 $20 $98 $1,168 $97
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $258 $466 $326 $20 $98 $1,168 $97
A4 2.0T Quattro Premium Plus 4-Dr Sedan $258 $466 $326 $20 $98 $1,168 $97
A4 2.0T Quattro Prestige Turbo Station Wagon $258 $466 $326 $20 $98 $1,168 $97
A4 2.0T Quattro Prestige 4-Dr Sedan $258 $466 $326 $20 $98 $1,168 $97
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $258 $466 $326 $20 $98 $1,168 $97
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower premiums considerably.

Based on these figures, using a $100 deductible costs an average of $28 more each month or $336 every year across all Audi A4 models than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claim filings, you would come out ahead if you opt for a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $95
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important sidenote is that a higher deductible level means you will have to pay more out-of-pocket when you have to file a claim. That will require a higher level of savings in order to pay more to get your vehicle repaired.

Impact of violations and accidents on rates in Louisville

The example below shows how speeding tickets and at-fault accidents can raise Audi A4 insurance premiums for each different age group. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Audi A4 car insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no exact rule to stop buying comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Audi A4 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If it’s costing you more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

These discounts can lower your car insurance rates

Not many people think insurance is cheap, but you may be missing some discounts to help bring down the price. Some discounts will apply when you quote, but once in a while a discount must be specifically requested prior to getting the savings.Car insurance discounts

You should keep in mind that most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

The illustration below illustrates the comparison of Audi A4 insurance premiums with and without discounts. The costs are based on a male driver, no claims or driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

A list of car insurance companies and their possible discounts are shown below.

If you want low cost Louisville auto insurance quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your state.