Shopping for the cheapest Birmingham Audi A4 insurance quotes on the internet may be somewhat difficult for vehicle owners who are beginners to quoting and comparing prices over the internet. With so many options of online companies, how can Birmingham drivers have time to compare each option to find cheaper auto insurance prices?
Amazingly, a recent NerdWallet.com study showed that the vast majority of consumers have remained with the same auto insurance company for well over three years, and virtually 40% of consumers have never quoted rates to find lower-cost coverage. The average driver in Birmingham could save an average of up to 40% each year by just shopping around, but they just don't understand how easy it is to compare rates and save money.
It is always a good idea to shop coverage around once or twice a year because auto insurance prices are rarely the same from one policy term to another. If you had the best rate on Audi A4 insurance in Birmingham a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to learn how to quote online to lower your annual insurance bill.
Car insurance providers offering low-cost price quotes in Alabama
The companies in the list below have been selected to offer free quotes in Alabama. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$226||$494||$318||$18||$94||$1,150||$96|
|A4 2.0T Premium Turbo 4-Dr Sedan||$252||$508||$354||$20||$106||$1,240||$103|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$156||$336||$382||$22||$114||$1,010||$84|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$182||$374||$338||$20||$100||$1,014||$85|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$318||$584||$344||$20||$102||$1,368||$114|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$206||$398||$318||$18||$94||$1,034||$86|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$364||$710||$338||$20||$100||$1,532||$128|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$364||$732||$456||$26||$136||$1,714||$143|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$242||$442||$348||$20||$104||$1,156||$96|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$262||$552||$408||$24||$122||$1,368||$114|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in garaging location in Birmingham which can raise or lower rates significantly.
Reckless driving habits raise car insurance rates
The information below illustrates how violations and fender-benders can raise Audi A4 annual premium costs for different ages of insureds. The data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Birmingham insurance discounts for an Audi A4
Companies that sell car insurance do not list every policy discount very clearly, so the list below details both the well known and also the lesser-known credits available to lower your premiums when you buy Birmingham car insurance online.
- Seat Belt Discounts - Drivers who require all occupants to wear their seat belts can save up to 15% off the medical payments premium.
- Resident Student - Older children who live away from home at college and don't have a car may be able to be covered for less.
- Professional Organizations - Joining specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
- Claim-Free Discount - Drivers with accident-free driving histories can save substantially as compared to bad drivers.
- Discount for Life Insurance - Select insurance carriers reward you with a discount if you purchase a life insurance policy as well.
- Good Grades Discount - Maintaining excellent grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
- Safe Driver Discount - Drivers who don't get into accidents could pay up to 40% less compared to accident prone drivers.
- Discount for Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
Keep in mind that many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.
Auto insurance companies that have these benefits possibly include:
When quoting, ask all companies you are considering which credits you are entitled to. A few discounts might not be available to policyholders in Birmingham. To choose insurance companies that offer discounts in Birmingham, click this link.
How much car insurance do I need?
Always remember that when buying proper insurance coverage, there really is not a one size fits all plan. Every situation is different.
For instance, these questions can aid in determining if your situation would benefit from an agent's advice.
- Does my insurance cover my expensive audio equipment?
- When would I need additional glass coverage?
- How long can I keep a teen driver on my policy?
- Am I covered if I back into my garage door?
- Do I need more liability coverage?
- Will I lose any money if I cancel my policy before it expires?
- What is no-fault insurance?
- I don't drive much so do I pay less?
- What vehicles should carry emergency assistance coverage?
If you're not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.
When do I need to have guidance from a local insurance agent?
A lot of people just prefer to sit down with an agent and that can be a smart move The biggest benefit of getting online price quotes is you may find the best rates and still have a local agent. Putting coverage with small agencies is important especially in Birmingham.
For easy comparison, once you complete this short form, your information is emailed to companies in Birmingham who will give competitive quotes to get your business. There is no need to search for any insurance agencies because prices are sent instantly to you. You can find the lowest rates without having to waste a lot of time. If you have a need to get a comparison quote from a particular provider, you just need to search and find their rate quote page and complete a quote there.
If you want a reliable insurance agent, there are a couple of different types of agencies and how they function. Insurance agencies in Birmingham may be either exclusive agents or independent agents.
Independent Auto Insurance Agencies
Independent insurance agents can sell policies from many different companies and that allows them to write policies amongst many companies and find the cheapest auto insurance rates. If they quote lower rates, they can switch companies in-house which makes it simple for you. When comparing auto insurance prices, it's recommended you compare prices from several independent agencies to have the most options to choose from. Most also have access to smaller companies that many times have cheaper rates.
Shown below are Birmingham independent insurance agents who may provide price quote information.
- Red Rock Insurance Group
4009 Crosshaven Dr - Birmingham, AL 35243 - (205) 970-2187 - View Map
- Hughes Insurance Services Of Alabama
400 Century Park S #106 - Birmingham, AL 35226 - (205) 822-6778 - View Map
- Nationwide Insurance: Hayes-Rasbury Insurance Agency Inc
221 Lapala Dr - Birmingham, AL 35214 - (205) 798-4238 - View Map
These type of agents can only write with one company and some examples include State Farm or Allstate. They generally cannot compare other company's rates so they have no alternatives for high prices. They receive a lot of sales training on their company's products which helps them sell on service rather than price. Many people buy from exclusive agents mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Birmingham willing to provide price quotes.
- Theo Hawthorne - State Farm Insurance Agent
2430 Green Springs Hwy Ste - Birmingham, AL 35209 - (205) 941-3232 - View Map
- Pat Lowe - State Farm Insurance Agent
2830 Crestwood Blvd - Birmingham, AL 35210 - (205) 956-3276 - View Map
- John Patterson - State Farm Insurance Agent
1807 11th Ave S - Birmingham, AL 35205 - (205) 933-5200 - View Map
Finding the right insurance agency should depend on more than just the price. Any agent in Birmingham should have no problem answering these questions:
- Does the company have a solid financial rating?
- Did they already check your driving record and credit reports?
- Which company do they place the most coverage with?
- Can they provide you with a list of referrals?
- Is there any savings for paying the full premium?
- How much experience to they have in personal lines coverages?
- Do they get extra compensation for selling add-on coverages?
- How is replacement cost determined on your vehicle?
Big brands don't always mean big savings
State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all try to convey promises that you can save just by moving your car insurance policy to them. But how can every company offer you a better deal on Audi A4 insurance in Birmingham? It's all in how they say it.
All the different companies have a preferred profile for the driver that earns them the most money. For example, this type of insured could possibly be between the ages of 30 and 50, owns a home, and has a high credit rating. Any driver who fits those characteristics will qualify for the lowest auto insurance rates in Birmingham as well as cut their Audi A4 insurance rates if they switch.
People who don't meet the requirements will probably have to pay a more expensive rate and this can result in the customer buying from a different company. If you pay close attention to the ads, they say "customers that switch" but not "everyone who gets a quote" save money. This is how companies can truthfully advertise the savings.
This emphasizes why drivers must get a wide range of price quotes. Because you never know the company that will have the lowest auto insurance rates for your situation.
Auto insurance savings summarized
There are still a few companies who do not offer rates over the internet and usually these smaller providers sell through local independent agents. Lower-priced auto insurance in Birmingham is attainable online and from local agencies, so you need to compare both in order to have the best price selection to choose from.
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, poor customer service, policy non-renewal or being labeled a high risk driver. Regardless of your reason, choosing a new company can be easier than you think.
We just covered many tips how you can compare Audi A4 insurance premium rates in Birmingham. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding low cost Birmingham car insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.