Save Money on Audi A4 Insurance in Milwaukee

Locating low-cost insurance for an Audi A4 in Wisconsin can be a painful process, but you can use a few tricks to save time.

There is a better way to find auto insurance online so you’re going to learn the quickest way to compare rates for a new or used Audi and obtain the lowest possible price from Milwaukee insurance agents and online providers.

It is always a good idea to compare premium rates on a regular basis since prices go up and down regularly. Despite the fact that you may have had the lowest price on Audi A4 insurance in Milwaukee last year a different company probably has better rates today. You can find a lot of misleading information regarding A4 insurance online but in this article, you’re going to get some solid techniques on how to find cheap auto insurance in Milwaukee.

If you have a policy now or are looking for a new policy, you can use these techniques to buy cheaper car insurance and possibly find even better coverage. Quoting cheaper car insurance coverage in Milwaukee is not as difficult as people think. Drivers only have to learn the most time-saving way to compare different rates from many different companies online.

Companies offering affordable Audi A4 rate quotes in Milwaukee, WI

The providers in the list below can provide price comparisons in Milwaukee, WI. If multiple companies are shown, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can change coverage rates noticeably.

Rate comparison of male drivers versus female drivers

The example below illustrates the difference between Audi A4 car insurance rates for male and female drivers. The price estimates are based on no claims or violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Higher deductibles save money

When shopping for car insurance, a common question is which deductibles should you choose. The figures shown below may help you to understand the premium difference between high and low insurance deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can lower or raise rates substantially.

We can derive from the above data that using a $100 deductible costs roughly $20 more each month or $240 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 20 months between claims, you would save more money if you elect the higher deductible.

Reduce your car insurance rates with these six discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts very well, so here is a list a few of the more common and the more hidden discounts you could be receiving when you buy Milwaukee car insurance online.

• Club Memberships – Being in qualifying employment or professional organizations could trigger savings on your policy.
• Data Collection Discounts – Milwaukee drivers who agree to allow driving data submission to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Milwaukee car insurance but check with your company.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your Milwaukee car insurance quote.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
• Driver Training Discounts – Passing a course that instructs on driving safety could save 5% or more and make you a better driver.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works.

If you would like to view companies offering car insurance discounts in Milwaukee, click this link.

Insurance agencies can help

Some consumers prefer to get advice from a local agent. Agents can point out coverage gaps and will help you if you have claims. The biggest benefit of comparing car insurance online is the fact that drivers can get the best rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is definitely important in Milwaukee.

To help locate an agent, after submitting this simple form, the coverage information is submitted to local insurance agents in Milwaukee that can provide free Milwaukee car insurance quotes for your business. There is no need to leave your computer as quotes are delivered to you. If you have a need to get a price quote from a specific insurance company, don’t hesitate to visit that company’s website and submit a quote form there.

Pick the best auto insurance agent in Milwaukee for you

If you would like to find local Milwaukee agents, it’s helpful to know the different agency structures and how they work. Car insurance agents can be described as either exclusive or independent (non-exclusive). Either type can write policy coverage, but it’s good to learn the difference in how they write coverage because it may have an impact on your selection of an agent.

Independent Agents

Independent agents are not restricted to one company so they can write business through many different car insurance companies and potentially find a lower price. If you want to switch companies, your agent can switch companies without you having to go to a different agency. When comparing rate quotes, it’s recommended you check rates from several independent agencies in order to compare the most rates. Most have the option of insuring with mutual insurance companies that many times have cheaper rates.

Featured below is a small list of independent insurance agencies in Milwaukee that can give you competitive price quotes.

• Reilly Insurance Services
  3075 S Howell Ave – Milwaukee, WI 53207 – (414) 482-4461 – View Map
• Dale G Latus Insurance
  5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map
• Billy Brown Insurance
  715 Milwaukee St – Delafield, WI 53018 – (262) 646-8252 – View Map

More insurance agents

Exclusive Car Insurance Agents

Agents of this type can only write with one company and some examples include State Farm or Allstate. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Consumers sometimes choose to use an exclusive agent partially due to the brand rather than low rates.

Shown below are Milwaukee exclusive insurance agencies who can help you get price quotes.

• Mark Bojarski – State Farm Insurance Agent
  4724 W Forest Home Ave – Milwaukee, WI 53219 – (414) 545-6820 – View Map
• American Family Insurance – Gregory Felzer
  790 N Milwaukee St #110 – Milwaukee, WI 53202 – (414) 224-9000 – View Map
• American Family Insurance – Arthur Olszewski Agency Inc.
  7400 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5533 – View Map

More insurance agents

Choosing an car insurance agent shouldn’t rely on just the premium amount. The following questions are important to ask.

• Do they assist clients in filing claims?
• Does the agent have a valid license to sell insurance in Wisconsin?
• Are they able to provide referrals?
• If your car is totalled, how to they determine the replacement cost?
• Will one accident increase rates?
• Does the agency have a current Errors and Omissions policy?
• Do they have designations such as AIC, CPCU, or CIC?
• Is vehicle mileage a factor when determining depreciation for repairs?

Insurance advertisements

Consumers constantly see and hear ads for insurance savings from the likes of 21st Century, Allstate and State Farm. They all seem to try to convey promises about saving some big amount if you move your insurance coverage to their company.

How is it plausible that every one can cost less than your current company? Just pay attention to how they say it.

Insurance companies have a preferred profile for the right customer that earns them the highest profit. For instance, a profitable insured should be between 25 and 40, has no claims, and the vehicle is rated for pleasure use. A driver who matches those parameters receives the best prices in Milwaukee as well as save some money.

Potential insureds who do not fit the “perfect” profile will see higher premiums which results in the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “all people who quote” save money. That’s the way companies can truthfully state the savings.

Each company has different criteria, so you need to compare price quotes frequently. It is just not possible to predict which company will have the lowest Audi A4 insurance in Milwaukee.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Audi A4.

Because many people only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, hitting a bird, fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for funeral costs, X-ray expenses and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability

This coverage will cover damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, court costs, pain and suffering and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford. Wisconsin requires minimum liability limits of 25/50/10 but it’s recommended drivers buy higher limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible on your A4 in order to get cheaper collision rates.

Affordable car insurance premiums are possible

People switch companies for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, policy non-renewal or even delays in paying claims. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Some car insurance companies do not offer rates over the internet and most of the time these small, regional companies only sell through independent insurance agencies. The cheapest Audi A4 insurance in Milwaukee is available on the web as well as from insurance agents, and you should be comparing both to get a complete price analysis.

We’ve covered a lot of ways to reduce Audi A4 insurance auto insurance rates online in Milwaukee. The key concept to understand is the more you quote Milwaukee car insurance, the better your chances of lowering your premium rates. Consumers may even find the lowest auto insurance rates come from a smaller regional carrier.

Additional detailed information can be read at these sites:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Teen Driving Statistics (iihs.org)
• Five Mistakes to Avoid (Insurance Information Institute)
• Parking Tips to Reduce Door Dings (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Institute)