Wish you could get out of high-priced Audi A4 insurance in Seattle? Trust us when we tell you there are many Seattle consumers feeling the pinch from expensive auto insurance.
Unbelievable but true, the vast majority of consumers have bought auto insurance from the same company for well over three years, and nearly 40% of drivers have never quoted auto insurance rates at all. Seattle drivers could save an average of about 40% each year, but they assume it’s a waste of time to find cheap auto insurance rates.
Big companies like State Farm, Progressive and GEICO promote their brand names with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
If you already have coverage, you will surely be able to lower your rates using the ideas presented in this article. Locating the best rates in Seattle is much easier if you have a good place to start. But Washington vehicle owners must learn how the larger insurance companies calculate your auto insurance rates and use this information to your advantage.
Discount Seattle auto insurance rates
Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some must be requested specifically before you get the savings.
- Professional Memberships – Affiliation with a professional or civic organization can get you a small discount when shopping for auto insurance.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
- Anti-theft System – Cars with anti-theft systems help deter theft and that can save you a little bit as well.
- Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
- Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
- Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the personal injury premium cost.
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 cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way.
Some of the larger companies that may offer quotes with most of these discounts are:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
Before purchasing a policy, check with all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area.
To find low cost quotes, there are a couple of ways to compare rate quotes from auto insurance companies in your area. The recommended way to compare Audi A4 insurance prices is simply to get online rate quotes.
It’s so fast and easy to compare rate quotes online that it takes the place of having to call or drive to all the different Seattle insurance agencies. Comparing Audi A4 insurance rates online can eliminate the need for a local agent unless you require the trained guidance that you can only get from talking to an agent. It is possible with some companies comparison shop your insurance online and have a local agent actually service the policy. Just keep in mind that more quotes increases your odds of finding a lower rate. Some companies don’t provide online rate quotes, so you need to compare price quotes from them as well.
The companies in the list below have been selected to offer price quotes in Seattle, WA. If multiple providers are shown, it’s a good idea that you visit several of them to find the cheapest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $246 | $640 | $334 | $20 | $100 | $1,340 | $112 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $220 | $448 | $278 | $16 | $82 | $1,044 | $87 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,226 | $102 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $136 | $320 | $334 | $20 | $100 | $910 | $76 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $196 | $402 | $398 | $24 | $120 | $1,140 | $95 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $202 | $328 | $386 | $22 | $116 | $1,054 | $88 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $318 | $622 | $294 | $18 | $88 | $1,340 | $112 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $224 | $442 | $282 | $16 | $84 | $1,048 | $87 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $280 | $598 | $356 | $22 | $106 | $1,362 | $114 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $202 | $328 | $386 | $22 | $116 | $1,054 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can alter coverage prices noticeably.
Car insurance premiums by gender
The diagram below compares Audi A4 insurance premiums for male and female drivers. The prices are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Five factors that impact insurance rates
Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are more transparent such as your credit history or your financial responsibility.
Listed below are just a few of the factors used by companies to determine rates.
Tickets can increase premiums – Even a single moving violation can increase rates by as much as twenty percent. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received severe citations like reckless driving or DUI may be required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
Limits of liability – Your auto insurance policy’s liability coverage will afford coverage if ever you are determined to be liable for personal injury or accident damage. It will provide legal defense to defend your case. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
The more you drive the more you pay – The more you drive your Audi annually the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can get a lower rate than those that get driven frequently. A policy that improperly rates your A4 is just wasting money. It’s a smart idea to ensure your auto insurance policy correctly shows the correct usage for each vehicle, because it can save money.
Occupation can influence rates – Do you work in a high-stress field? Occupational choices like fire fighters, business owners and miners tend to pay higher rates than average because of stressful work requirements and long work days. Other jobs such as actors, historians and performers generally pay rates lower than average.
Your gender affects prices – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are better drivers. Females and males cause fender benders at about the same rate, but guys cause more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
Audi A4 historical loss data – Insurance companies factor in insurance loss information when they calculate premium rates for each model. Models that the data shows to have higher losses will have a higher premium rate. The next table shows the collected loss data for Audi A4 vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles combined as an average equals 100. Values below 100 suggest a positive loss record, while values that are above 100 point to more frequent losses or a tendency for losses to be larger than average.
Auto Insurance Loss Data for Audi A4 Models
| Specific Audi 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Local insurance agents
Some consumers still like to get professional advice from a licensed agent and that is recommended in a lot of cases The best thing about comparing car insurance online is that you can find cheap car insurance rates but also keep your business local.
Once you complete this short form, your coverage information gets sent to insurance agents in Seattle that provide free Seattle auto insurance quotes to get your business. You never need to do any legwork as quotes are delivered to you. You’ll get the best rates and a licensed agent to work with. In the event you want to compare rates from a specific company, you would need to jump over to their website and fill out the quote form the provide.
Choosing the best insurance company should include more criteria than just the quoted price. Get answers to these questions too.
- Do you need full coverage on every vehicle?
- If you have an accident, will your rates go up?
- Are aftermarket or OEM parts used to repair vehicles?
- Is assistance available after office hours?
- Where would glass claims be handled in Seattle?
- How are claims handled?
- Will you get a loaner vehicle if you car is being repaired?
- How long have they worked with personal auto insurance coverage?
Types of auto insurance agents
If you prefer to buy car insurance from a reliable agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in Seattle can be categorized as either independent (non-exclusive) or exclusive.
Exclusive Car Insurance Agents
Exclusive agencies generally can only insure with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide prices from multiple companies so you might not find the best rates. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Shown below are exclusive agents in Seattle that can give you price quote information.
Raymond Insurance-Pemco and Progressive
6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map
Paulla Suy – State Farm Insurance Agent
900 S Jackson St #213 – Seattle, WA 98104 – (206) 381-3733 – View Map
Jeff Kalvelage – State Farm Insurance Agent
315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map
Independent Car Insurance Agencies
These type of agents are appointed with more than one company and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and that require little work on your part.
When comparing rate quotes, we highly recommend that you check rates from several independent agencies in order to compare the most rates.
Below are independent insurance agencies in Seattle that are able to give price quotes.
Vern Fonk
10301 Aurora Ave N – Seattle, WA 98133 – (206) 408-5098 – View Map
Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map
Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map
After getting acceptable answers for all questions you ask in addition to an acceptable price estimate, it’s a good possibility that you have found a car insurance agent that is a good match to service your policy. Keep in mind you are entitled to terminate coverage any time you want so don’t think that you are permanently stuck with any specific agency indefinitely.
Three good reasons to insure your A4
Even though Seattle A4 insurance rates can get expensive, buying auto insurance may be required and benefits you in several ways.
First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most banks will make it a condition of the loan that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender may insure your Audi at a much higher premium rate and force you to pay for the expensive policy.
Third, auto insurance protects not only your car but also your financial assets. Insurance will also pay for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your Audi gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $800 each year so shop around each time the policy renews to help ensure money is not being wasted.
Shop smart and save
When getting Seattle auto insurance quotes online, you should never buy less coverage just to save a little money. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
In this article, we covered a lot of techniques to reduce Audi A4 insurance premium rates online in Seattle. The most important thing to understand is the more times you quote, the higher your chance of finding low cost Seattle auto insurance quotes. You may even find the most savings is with a small local company. These companies may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.
For more information, link through to these articles:
- Comprehensive Coverage (Liberty Mutual)
- Who Has the Cheapest Seattle Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)