Affordable Quotes for Audi A4 Insurance in Orlando

Discount Audi A4 insuranceThe easiest way to get affordable Audi A4 insurance in Orlando is to start doing an annual price comparison from insurance carriers in Florida.

  1. Take a little time to learn about how companies set rates and the things you can change to keep rates down. Many rating factors that result in higher prices such as speeding and a bad credit score can be controlled by being financially responsible and driving safely. Read the full article for more ideas to get low prices and get bigger discounts that may have been overlooked.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple sources.
  3. Compare the price quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important part of this process is to use similar limits and deductibles on every quote and to quote with as many companies as feasibly possible. This ensures a level playing field and the best rate selection.

We don’t have to tell you that insurance companies don’t want you to look at other companies. Insureds who compare rates at least once a year are very likely to move their business because there is a high probability of finding a lower rate. A recent car insurance study discovered that people who compared prices regularly saved an average of $850 each year compared to other drivers who never compared prices.

If finding the cheapest price for Audi A4 insurance in Orlando is your objective, then having some insight into how to find companies and compare coverages can make it simple to find affordable coverage.

The method we recommend to compare policy rates for Audi A4 insurance in Orlando is to know all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like which vehicles you own, how much you drive, if it has an anti-theft system, and if the car is leased. Your insurance information is sent automatically to insurance carriers in your area and you receive quotes almost instantly.

To check car insurance prices now, click here and enter the information requested.

The companies in the list below provide quotes in Orlando, FL. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.

Why do I need car insurance?

Even though Orlando A4 insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.

The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. But the average driver in Florida is currently overpaying as much as $850 per year so it’s recommended you shop around at every renewal to help ensure money is not being wasted.

Coverage analysis

The information displayed below highlights estimates of prices for Audi A4 models. Learning more about how policy rates are determined can help customers make informed decisions when comparing rates.


Audi A4 Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $388 $994 $542 $32 $162 $2,118 $177
A4 2.0T Premium Turbo 4-Dr Sedan $388 $864 $542 $32 $162 $1,988 $166
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $388 $864 $542 $32 $162 $1,988 $166
A4 2.0T Quattro Premium Plus Turbo Station Wagon $388 $994 $542 $32 $162 $2,118 $177
A4 2.0T Premium Plus Turbo 4-Dr Sedan $434 $994 $542 $32 $162 $2,164 $180
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $434 $994 $542 $32 $162 $2,164 $180
A4 2.0T Quattro Premium Plus 4-Dr Sedan $434 $994 $542 $32 $162 $2,164 $180
A4 2.0T Quattro Prestige Turbo Station Wagon $434 $994 $542 $32 $162 $2,164 $180
A4 2.0T Quattro Prestige 4-Dr Sedan $434 $994 $542 $32 $162 $2,164 $180
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $434 $994 $542 $32 $162 $2,164 $180
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in Orlando location which can alter rates significantly.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The following insurance rates highlight the differences in premium rates when you choose different coverage deductibles. The first data table uses a $100 deductible and the second rate table uses a $1,000 deductible.


Audi A4 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $406 $880 $418 $24 $124 $1,877 $156
A4 2.0T Premium Turbo 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
A4 2.0T Quattro Premium Plus Turbo Station Wagon $406 $880 $418 $24 $124 $1,877 $156
A4 2.0T Premium Plus Turbo 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
A4 2.0T Quattro Premium Plus 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
A4 2.0T Quattro Prestige Turbo Station Wagon $452 $880 $418 $24 $124 $1,923 $160
A4 2.0T Quattro Prestige 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
Get Your Own Custom Quote Go

Audi A4 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $224 $464 $418 $24 $124 $1,254 $105
A4 2.0T Premium Turbo 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
A4 2.0T Quattro Premium Plus Turbo Station Wagon $224 $464 $418 $24 $124 $1,254 $105
A4 2.0T Premium Plus Turbo 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
A4 2.0T Quattro Premium Plus 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
A4 2.0T Quattro Prestige Turbo Station Wagon $250 $464 $418 $24 $124 $1,280 $107
A4 2.0T Quattro Prestige 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in your specific Orlando location which can lower or raise price quotes substantially.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $52 more each month or $624 each year across all Audi A4 models than selecting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 17 months between claim filings, you would come out ahead if you decide on a higher deductible.

The information below shows how choosing a deductible and can influence Audi A4 insurance premiums for different age categories. Data assumes a single female driver, full coverage, and no discounts are factored in.

Does it make sense to buy full coverage?

The diagram below compares Audi A4 premium costs with and without physical damage coverage. The premium estimates are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop paying for full coverage

There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Audi A4 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying your policy deductible. If it’s costing you more than $400 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Earn discounts to get lower-cost Orlando auto insurance rates

Auto insurance companies don’t list the entire discount list in an easy-to-find place, so here is a list a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy Orlando auto insurance online.Auto insurance discounts

Don’t be shocked that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, that’s just not realistic.

The diagram below shows the comparison of Audi A4 insurance prices with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, multi-policy, and safe-driver discounts applied.

To locate companies that provide some of the discounts listed above in Orlando, click this link.

Insurance agents can help

When it comes to choosing coverage online or from an agent, there really is not a perfect coverage plan. Everyone’s needs are different.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.