Best Audi A4 Insurance in New Orleans

Would you like an easy way to compare cheaper Audi A4 insurance in New Orleans? Locating budget-priced New Orleans Audi A4 insurance quotes can seem to be overwhelming for vehicle owners who are new to comparison shopping over the internet. Since there are so many online companies available, how are vehicle owners able to have a chance to compare each option to find better rates?

It’s safe to conclude that insurance companies don’t want their policyholders to compare prices. People who get price quotes annually will probably switch companies because there is a great chance of getting low-cost coverage. Surprisingly, a recent survey revealed that people who shopped around saved an average of $72 a month as compared to drivers who didn’t regularly shop around.

If finding the best price on Audi A4 insurance is the reason you’re here, then having a good understanding how to quote and compare insurance coverage can make it easier to find better rates.

Smart consumers take time to compare premium rates on a regular basis since prices go up and down regularly. Just because you found the best rates on Audi A4 insurance in New Orleans two years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

When comparison shopping, having more price comparisons increases your odds of finding better pricing. Some regional insurers cannot provide New Orleans A4 insurance quotes over the internet, so it’s important to compare rates from the smaller companies as well.

The companies in the list below provide price quotes in New Orleans, LA. To find cheap auto insurance in Louisiana, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Insurance coverage details

The rate information displayed next showcases estimates of prices for Audi A4 models. Having a better idea how premiums are formulated is important for making smart choices when selecting a coverage provider.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can influence coverage rates greatly.

Policy deductible comparison

When shopping for car insurance, a common question is which deductible level should you buy. The data tables below can help you understand the cost difference of buying low and high deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in vehicle location which can change coverage rates noticeably.

We can derive from the above data that using a $100 deductible will cost you approximately $39 more each month or $468 every year than buying the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 10 months between claim filings, you would save more money if you choose a higher deductible.

The diagram below shows how choosing a deductible and can change Audi A4 insurance costs for different age groups. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.

Impact of careless driving on car insurance rates

The diagram below demonstrates how citations and accident claims can affect Audi A4 car insurance costs for each age group. The premium estimates are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Annual premiums comparing men and women in New Orleans

The example below illustrates the difference between Audi A4 insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied.

Should you buy full coverage?

The diagram below illustrates the comparison of Audi A4 car insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no accidents or driving violations, $1,000 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no specific rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Audi A4 book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying your policy deductible. If you are paying over $300 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Take these nine policy discounts and save on Audi A4 insurance in New Orleans

Auto insurance companies do not list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy New Orleans auto insurance online. If you do not double check each discount you qualify for, you are throwing money away.

• Policy Bundle Discount – If you combine your auto and homeowners policies with the same company you could get a discount of 10% to 20% off each policy.
• Early Renewal Discounts – A few insurance companies give discounts for signing up before your current expiration date. You may see this discount when you get New Orleans auto insurance quotes online.
• Professional Organizations – Having an affiliation with a civic or occupational organization in New Orleans could earn you a nice discount on your next car insurance statement.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
• Save over 55 – Drivers that qualify as senior citizens may be able to get a slight reduction on a New Orleans auto insurance quote.
• Home Ownership Discount – Just being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
• Discounts for Multiple Vehicles – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
• Telematics Data Discounts – Insureds who allow data collection to study driving patterns by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they show good driving skills.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, you aren’t that lucky.

The example below visualizes the comparison of Audi A4 insurance prices with and without discounts. The rates are based on a female driver, no violations or accidents, Louisiana 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 marriage, homeowner, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

Insurance companies that may offer some of the above discounts possibly include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

Before you buy a policy, ask all the companies how you can save money. Discounts may not apply in New Orleans. To locate companies that offer multiple discounts in New Orleans, click here to view.

Why you need quality insurance for your vehicle

Even though it can be expensive, insurance may be required for several reasons.

• Most states have minimum liability requirements which means the state requires specific minimum amounts of liability in order to drive the car. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your A4 with a loan, more than likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Audi at an extremely high rate and require you to pay for it.
• Car insurance protects not only your car but also your assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance are without a doubt worth the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $800 each year so we recommend shopping around at least once a year to ensure rates are competitive.

Exclusive or independent insurance agents

Many people still prefer to sit down and talk to an agent. The best thing about price shopping on the web is you can get lower rates and still have an agent to talk to. And providing support for local agents is important particularly in New Orleans.

To find an agent, once you fill out this quick form, the coverage information is emailed to agents in your area who will give you bids and help you find cheaper coverage. You won’t need to find an agent on your own as quotes are delivered instantly to you. You can find lower rates without requiring a lot of work. If you need to get a price quote from a particular provider, feel free to navigate to their website and submit a quote form there.

If you need to find a local New Orleans insurance agent, there are a couple of types of agencies and how they are slightly different. Insurance agencies in New Orleans are either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Independent agencies do not work for one specific company and that is an advantage because they can write policies with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency. If you are comparing car insurance prices, you will definitely want to contact a few independent agents for maximum quote selection. Most can insure with small mutual carriers that may provide cheaper car insurance rates.

Below is a short list of independent insurance agents in New Orleans that can possibly get you pricing information.

• Olympus Insurance Agency
  101 W Robert E Lee Blvd #405 – New Orleans, LA 70124 – (504) 535-7755 – View Map
• Hartwig Moss Insurance Agency
  2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map
• First Insurance, Inc.
  First Bank and Trust Building, 909 Poydras St #2260 – New Orleans, LA 70112 – (504) 322-4927 – View Map

More New Orleans agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel generally can only insure with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agencies are well schooled on their company’s products which can be an advantage. A lot of people use the same agent mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below are New Orleans exclusive agents who can help you get price quotes.

• Allstate Insurance: Paul Scaffidi
  720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 – View Map
• Allstate Insurance: Aaron Gable
  2073 Caton St – New Orleans, LA 70122 – (504) 283-0034 – View Map
• State Farm: Chris Nolan
  Place St. Charles, 201 St Charles Ave #224 – New Orleans, LA 70170 – (504) 522-9560 – View Map

More New Orleans agents

Picking an car insurance agent is decision based upon more than just a cheap quote. These are some questions your agent should answer.

• Will you work with the agent or an assistant?
• Do they have 24-hour customer assistance?
• Will high miles depreciate repair valuations?
• Are all drivers listed on the coverage quote?
• Can they give you a list of client referrals?
• Do they specialize in personal lines coverage in New Orleans?
• If you have an accident, will your rates go up?
• Which companies do they recommend if they are an independent agency?

Car insurance coverage considerations

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, doctor visits, pain medications and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Audi A4.

Since a lot of drivers only purchase the least amount of liability that is required (15/30/25 in Louisiana), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – This coverage covers damage to your A4 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your A4 to save money on collision insurance.

Auto liability – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/25 that translate to $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford. Louisiana state minimum liability requirements are 15/30/25 but you should consider buying better liability coverage.

The chart below demonstrates why minimum state limits may not provide adequate coverage.

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, falling objects, damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.