Cheap Insurance for an Audi A4 in Fresno

Unbelievable but true, a large majority of drivers have stayed with the same insurance company for at least four years, and nearly half have never compared rates with other companies. U.S. drivers could save an average of nearly 46.5% each year just by getting comparison quotes, but they assume it’s a waste of time to compare rates online.

Insurance quote for Audi A4 in FresnoIf you want to find the absolute lowest rates, then the best way to find lower priced car insurance rates in Fresno is to regularly compare quotes from insurers who sell auto insurance in California. You can compare prices by following these guidelines.

  1. Try to learn about the coverage provided by your policy and the things you can control to drop your rates. Many rating criteria that are responsible for high rates such as multiple speeding tickets and an imperfect credit rating can be controlled by making minor changes in your lifestyle. Read the full article for more information to prevent expensive rate increases and find overlooked discounts.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies.
  3. Compare the new quotes to the premium of your current policy and determine if there is any savings. If you find a better price and change companies, ensure coverage does not lapse between policies.
  4. Provide notification to your current company to cancel the current policy. Submit payment and a completed application to your new insurance company. Once coverage is bound, put the proof of insurance certificate in an easily accessible location in your vehicle.

One thing to point out is to compare the same liability limits and deductibles on every quote and and to get price estimates from all possible companies. This ensures a fair price comparison and the best rate selection.

Insurance rate breakdown

The coverage information shown below covers a range of coverage prices for Audi A4 models. Knowing how insurance policy premiums are calculated can be useful when making decisions on the best policy coverages.


Audi A4 Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $476 $1146 $596 $36 $178 $2,432 $203
A4 2.0T Premium Turbo 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
A4 2.0T Quattro Premium Plus Turbo Station Wagon $476 $1146 $596 $36 $178 $2,432 $203
A4 2.0T Premium Plus Turbo 4-Dr Sedan $530 $1146 $596 $36 $178 $2,486 $207
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $530 $1146 $596 $36 $178 $2,486 $207
A4 2.0T Quattro Premium Plus 4-Dr Sedan $530 $1146 $596 $36 $178 $2,486 $207
A4 2.0T Quattro Prestige Turbo Station Wagon $530 $1146 $596 $36 $178 $2,486 $207
A4 2.0T Quattro Prestige 4-Dr Sedan $530 $1146 $596 $36 $178 $2,486 $207
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $530 $1146 $596 $36 $178 $2,486 $207
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific location which can decrease or increase premiums greatly.

Physical damage deductibles

When shopping for auto insurance, a common question is how low should you set your deductibles. The following insurance rates lay out the cost difference when you buy lower versus higher deductibles. The first pricing table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.


Audi A4 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $386 $780 $442 $26 $132 $1,791 $149
A4 2.0T Premium Turbo 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
A4 2.0T Quattro Premium Plus Turbo Station Wagon $386 $780 $442 $26 $132 $1,791 $149
A4 2.0T Premium Plus Turbo 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
A4 2.0T Quattro Premium Plus 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
A4 2.0T Quattro Prestige Turbo Station Wagon $430 $780 $442 $26 $132 $1,835 $153
A4 2.0T Quattro Prestige 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
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 $314 $630 $442 $26 $132 $1,544 $129
A4 2.0T Premium Turbo 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
A4 2.0T Quattro Premium Plus Turbo Station Wagon $314 $630 $442 $26 $132 $1,544 $129
A4 2.0T Premium Plus Turbo 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
A4 2.0T Quattro Premium Plus 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
A4 2.0T Quattro Prestige Turbo Station Wagon $348 $630 $442 $26 $132 $1,578 $132
A4 2.0T Quattro Prestige 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can revise insurance rates greatly.

Based on the above data, using a $250 deductible will cost you approximately $21 more each month or $252 a year across all Audi A4 models than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 12 months between claims, you would probably come out ahead by going with a higher deductible.

The diagram below illustrates how your deductible choice and can change Audi A4 yearly insurance costs for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Tickets and at-fault accidents raise rates

The chart below demonstrates how traffic citations and fender-benders can affect Audi A4 insurance prices for each age group. The information is based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Auto insurance prices based on gender

The diagram below compares Audi A4 premium costs for male and female drivers. The prices are based on no accidents, no driving violations, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Audi A4 liability rates compared to full coverage

The information below shows the difference between Audi A4 auto insurance costs with full coverage and liability only. The costs are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

When to buy liability coverage only

There is no exact rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Audi A4 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after you pay the deductible. If you are paying over $500 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Six Things That Affect Your Insurance Prices

The best way to find cheaper insurance is to take a look at a few of the rating criteria that aid in calculating the rates you pay for insurance. If you understand what controls the rates you pay, this enables informed choices that could help you find lower rates. Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are less obvious like your vehicle usage or your commute time.

The items below are some of the factors used by insurance companies to determine rates.

Cover all your bases

As you quote Fresno auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best price and still be able to protect your assets.

Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies sell through local independent agencies. Cheaper insurance in Fresno is definitely available from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best selection.

We covered many ideas to find lower-cost Audi A4 insurance in Fresno. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the least-expected company.

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