Audi A4 Insurance Quotes in Charlotte

Insurance rates Audi A4 in CharlotteIt takes a little time, but the best way to get more affordable Audi A4 insurance in Charlotte is to do an annual price comparison from providers who sell auto insurance in North Carolina.

  1. Learn about what is in your policy and the things you can change to prevent rate increases. Many rating factors that drive up the price like speeding tickets, careless driving and an unacceptable credit history can be improved by making small lifestyle or driving habit changes. Keep reading for information to get cheaper coverage and get bigger discounts.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for many different companies.
  3. Compare the new rates to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.

One bit of advice is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to look at as many companies as you can. This provides a fair rate comparison and a good representation of prices.

Shockingly, over 70% of consumers kept buying from the same company for at least four years, and practically 40% of auto insurance customers have never compared auto insurance rates at all. The average driver in North Carolina could save $100 each year just by getting comparison quotes, but most tend to underestimate how much money they would save if they just switched companies.

This article will familiarize you with how car insurance works and also save some money in the process If you have a current insurance policy, you should be able to cut your premiums using the techniques covered below. Vehicle owners just need to learn the most efficient way to compare company rates on the web.

What Impacts Audi A4 Insurance Rates?

Lots of things are considered when premium rates are determined. A few of the factors are predictable such as your driving record, although others are less obvious like your vehicle usage and annual miles driven. The best way to find cheaper car insurance is to take a look at some of the factors that aid in calculating your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower car insurance prices.

Most companies provide price estimates from their websites. Doing online quotes for Audi A4 insurance in Charlotte is possible for anyone as you simply type in the amount of coverage you want on the page. Behind the scenes, the quote system automatically orders your driving and credit reports and returns a price quote based on these and other factors. Getting online rate quotes for Audi A4 insurance in Charlotte helps simplify price comparisons, and it is important to do this in order to find the cheapest price possible.

To find out how much you’re overpaying now, check out the auto insurance providers below. To compare your current rates, we recommend you complete the form with the coverage information as close as possible to your current policy. This guarantees you will be getting comparison quotes for the exact same coverage.

The companies shown below have been selected to offer price quotes in North Carolina. To locate the best auto insurance in North Carolina, it’s highly recommended you compare several of them in order to find the lowest rates.

Coverage analysis

The premium table shown below covers a range of insurance rates for Audi A4 models. Learning more about how auto insurance premiums are calculated is important for drivers to make smart choices when choosing a car insurance company.


Audi A4 Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $160 $326 $256 $16 $76 $834 $70
A4 2.0T Premium Turbo 4-Dr Sedan $160 $284 $256 $16 $76 $792 $66
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $160 $284 $256 $16 $76 $792 $66
A4 2.0T Quattro Premium Plus Turbo Station Wagon $160 $326 $256 $16 $76 $834 $70
A4 2.0T Premium Plus Turbo 4-Dr Sedan $178 $326 $256 $16 $76 $852 $71
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $178 $326 $256 $16 $76 $852 $71
A4 2.0T Quattro Premium Plus 4-Dr Sedan $178 $326 $256 $16 $76 $852 $71
A4 2.0T Quattro Prestige Turbo Station Wagon $178 $326 $256 $16 $76 $852 $71
A4 2.0T Quattro Prestige 4-Dr Sedan $178 $326 $256 $16 $76 $852 $71
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $178 $326 $256 $16 $76 $852 $71
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in Charlotte location which can change prices noticeably.

Policy deductibles

One common question asked by Charlotte drivers is how high should the physical damage coverage deductibles be. The rates below help summarize the costs and benefits when you buy lower versus higher insurance deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.


Audi A4 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $242 $524 $250 $14 $74 $1,129 $94
A4 2.0T Premium Turbo 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
A4 2.0T Quattro Premium Plus Turbo Station Wagon $242 $524 $250 $14 $74 $1,129 $94
A4 2.0T Premium Plus Turbo 4-Dr Sedan $270 $524 $250 $14 $74 $1,157 $96
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $270 $524 $250 $14 $74 $1,157 $96
A4 2.0T Quattro Premium Plus 4-Dr Sedan $270 $524 $250 $14 $74 $1,157 $96
A4 2.0T Quattro Prestige Turbo Station Wagon $270 $524 $250 $14 $74 $1,157 $96
A4 2.0T Quattro Prestige 4-Dr Sedan $270 $524 $250 $14 $74 $1,157 $96
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $270 $524 $250 $14 $74 $1,157 $96
Get Your Own Custom Quote Go

Audi A4 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $176 $354 $250 $14 $74 $868 $72
A4 2.0T Premium Turbo 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
A4 2.0T Quattro Premium Plus Turbo Station Wagon $176 $354 $250 $14 $74 $868 $72
A4 2.0T Premium Plus Turbo 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
A4 2.0T Quattro Premium Plus 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
A4 2.0T Quattro Prestige Turbo Station Wagon $196 $354 $250 $14 $74 $888 $74
A4 2.0T Quattro Prestige 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in vehicle location which can alter premiums substantially.

We can estimate from the data above that using a $100 deductible will cost you roughly $21 more each month or $252 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 19 months between claims, you would more than likely save some money by selecting a higher deductible. The table below shows an example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $500 deductibles (subtract): – $73
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that increasing deductibles to save money means you will have to pay more if you have a claim. It will be required that you have some extra funds in order to pay the deductible to have repairs made.

The information below highlights how deductible selection and can increase or decrease Audi A4 premium costs for each age group. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

How accidents and violations affect rates in Charlotte

The example below shows how traffic citations and at-fault claims can affect Audi A4 auto insurance rates for different age categories. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.

How much more does full coverage cost?

The illustration below shows the comparison of Audi A4 insurance rates with and without physical damage coverage. The information is based on no claims or driving violations, $500 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no clear-cut formula to stop buying physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Audi A4 settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Choosing Audi A4 insurance is an important decision

Despite the fact that insurance is not cheap in Charlotte, insurance is not optional due to several reasons.

The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Charlotte overpays more than $800 each year so smart consumers compare quotes at least once a year to save money.

Discounts mean cheaper rates for Audi A4 insurance in Charlotte

Auto insurance companies do not advertise all possible discounts very well, so the list below details some of the more common and the more hidden ways to save on auto insurance.Discount auto insurance

We need to note that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

The example below shows the difference between Audi A4 premium costs with and without discounts. The premiums are based on a female driver, no accidents or driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, marriage, and multi-policy discounts applied.

Companies and a summarized list of policyholder discounts can be found below.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your state. To find providers with the best discounts in Charlotte, click this link.

Car insurance agents are professional risk managers

Some people prefer to buy from a licensed agent and doing so can bring peace of mind Professional insurance agents are highly skilled in risk management and help file insurance claims. An additional benefit of getting online price quotes is that you can find cheap car insurance rates and also buy local. Buying from small agencies is important particularly in Charlotte.

To find an agent, once you fill out this short form, the quote information is immediately sent to insurance agents in Charlotte that can give you free Charlotte car insurance quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies because quoted prices will be sent to the email address you provide. If you want to get a comparison quote for a specific company, just find their quoting web page and give them your coverage information.

Different types of car insurance agents in Charlotte

If you are wanting to find a reputable agency, it’s important to understand the types of agencies and how they differ in how they can insure your vehicles. Charlotte agents are categorized either independent agents or exclusive agents. Either type can properly insure your vehicles, but it’s important to point out how they are different because it can factor into your selection of an agent.

Independent Car Insurance Agencies or Brokers

Independent agents are not locked into one company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to switch agencies. If you need cheaper car insurance rates, it’s recommended you include price quotes from a couple of independent agencies in order to compare the most rates.

Below are independent insurance agencies in Charlotte that may be able to provide competitive price quotes.


8440 Rea Rd STE PCharlotte, NC 28277(704) 960-1860View Map


13850 Ballantyne Corporate Pl #500Charlotte, NC 28277(704) 369-5270View Map


5618 Albemarle Rd # 200Charlotte, NC 28212(980) 221-9468View Map

More Charlotte agents

Exclusive Agencies

These type of agents can only provide pricing for a single company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive a lot of sales training on their products and sales techniques which helps overcome the inability to quote other rates.

Below are exclusive agents in Charlotte who can help you get rate quotes.


6600 A A A DrCharlotte, NC 28212(704) 569-3600View Map


5412 Central Ave bCharlotte, NC 28212(704) 535-4090View Map


4651 South Blvd Suite BCharlotte, NC 28209(704) 523-2886View Map

More Charlotte agents

Finding the right car insurance agent should include more criteria than just a cheap price. Here are some questions to ask:

Upon getting good feedback for all questions you ask as well as a affordable price, you may have just found a car insurance agent that is reputable and can provide car insurance coverage.

Which is the best auto insurance?

When it comes to your policy for your personal vehicles, there is no best way to insure your cars. You are unique.Drive safe and save

These are some specific questions could help you determine whether you might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Find cheaper rates by being thorough

Cheaper insurance in Charlotte can be found both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer rates over the internet and these smaller companies sell through independent agencies.

Drivers leave their current company for many reasons like extreme rates for teen drivers, poor customer service, policy non-renewal or even delays in paying claims. Regardless of your reason, choosing a new company is actually quite simple.

We covered a lot of techniques to shop for Audi A4 insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

Even more information can be read by following these links: