Best Quotes for Audi A4 Insurance in Memphis

Insurance for Audi A4Anyone knows that auto insurance companies want to keep you from comparing prices. Consumers who shop around will probably move their business because they stand a good chance of finding a lower-cost company. A study showed that people who routinely shopped around saved approximately $860 a year compared to drivers who never compared rates.

If finding the cheapest price for car insurance in Memphis is your objective, then understanding how to get free comparison quotes and analyze insurance can make it easier for you to save money.

Really, the only way to find better pricing on auto insurance rates is to compare prices annually from providers in Memphis.

First, try to learn a little about coverages and the changes you can make to keep rates low. Many factors that result in higher prices like inattentive driving and a negative credit rating can be amended by making minor changes in your lifestyle. Keep reading for additional ideas to keep prices down and get discounts that may be available to you.

Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple companies.

Third, compare the price quotes to your current policy to see if cheaper A4 coverage is available. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

Fourth, tell your current company of your intention to cancel your existing policy. Submit a down payment along with a signed application to your new carrier. Make sure you put the proof of insurance certificate in a readily accessible location in your vehicle.

The most important part of shopping around is to make sure you enter the same deductibles and limits on every quote and and to get price quotes from as many companies as you can. This helps ensure a level playing field and a complete price analysis.

Memphis Insurance Costs are Influenced by These Factors

Many factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are not quite as obvious like your continuous coverage and annual miles driven. Part of the auto insurance buying process is learning the factors that play a part in calculating the rates you pay for auto insurance. When you understand what determines base rates, this helps enable you to make changes that could help you find much lower annual insurance costs.

Low cost Memphis Audi A4 insurance

All the larger insurance companies allow you to get prices direct online. Doing online quotes for Audi A4 insurance in Memphis is quite simple as all you need to do is type in the amount of coverage you want into the quote form. Once entered, the quote system automatically retrieves your driving record and credit report and gives you a price quote based on the information you submitted. This makes it simple to compare prices and it’s necessary to compare as many rates as possible in order to get the cheapest insurance rates.

To save time and compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you type in the coverage information just like they are on your policy. This guarantees you’re receiving a fair comparison using the same coverage and limits.

The following companies have been selected to offer free quotes in Memphis, TN. If multiple companies are listed, it’s highly recommended you visit two to three different companies in order to find the most competitive rates.

Insurance coverage analysis

The price information shown below showcases different insurance prices for Audi A4 models. Learning how insurance policy premiums are determined is important for making decisions on which coverage to buy.


Audi A4 Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $280 $608 $288 $18 $86 $1,280 $107
A4 2.0T Premium Turbo 4-Dr Sedan $280 $528 $288 $18 $86 $1,200 $100
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $280 $528 $288 $18 $86 $1,200 $100
A4 2.0T Quattro Premium Plus Turbo Station Wagon $280 $608 $288 $18 $86 $1,280 $107
A4 2.0T Premium Plus Turbo 4-Dr Sedan $312 $608 $288 $18 $86 $1,312 $109
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $312 $608 $288 $18 $86 $1,312 $109
A4 2.0T Quattro Premium Plus 4-Dr Sedan $312 $608 $288 $18 $86 $1,312 $109
A4 2.0T Quattro Prestige Turbo Station Wagon $312 $608 $288 $18 $86 $1,312 $109
A4 2.0T Quattro Prestige 4-Dr Sedan $312 $608 $288 $18 $86 $1,312 $109
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $312 $608 $288 $18 $86 $1,312 $109
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can modify price quotes substantially.

Deductible comparison

When buying insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below summarize how much more rates are when you choose different insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.


Audi A4 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $252 $510 $288 $18 $86 $1,179 $98
A4 2.0T Premium Turbo 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
A4 2.0T Quattro Premium Plus Turbo Station Wagon $252 $510 $288 $18 $86 $1,179 $98
A4 2.0T Premium Plus Turbo 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
A4 2.0T Quattro Premium Plus 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
A4 2.0T Quattro Prestige Turbo Station Wagon $280 $510 $288 $18 $86 $1,207 $101
A4 2.0T Quattro Prestige 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
Get Your Own Custom Quote Go

Audi A4 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $156 $320 $288 $18 $86 $868 $72
A4 2.0T Premium Turbo 4-Dr Sedan $156 $278 $288 $18 $86 $826 $69
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $156 $278 $288 $18 $86 $826 $69
A4 2.0T Quattro Premium Plus Turbo Station Wagon $156 $320 $288 $18 $86 $868 $72
A4 2.0T Premium Plus Turbo 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
A4 2.0T Quattro Premium Plus 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
A4 2.0T Quattro Prestige Turbo Station Wagon $174 $320 $288 $18 $86 $886 $74
A4 2.0T Quattro Prestige 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific location information which can increase or decrease rates greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $26 more each month or $312 a year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 29 months between claim filings, you would probably save some money if you choose the higher deductible. Here’s an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): – $73
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

The example below shows how choosing a deductible and can impact Audi A4 insurance rates for different insured age categories. The premiums are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Illustration showing the impact of accidents and violations

The diagram below shows how traffic citations and at-fault accidents increase Audi A4 car insurance costs for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Insurance rates based on gender

The information below visualizes the comparison of Audi A4 yearly insurance costs for male and female drivers. The premiums are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Why you need to buy car insurance

Despite the potentially high cost of Audi A4 insurance, paying for car insurance is not optional due to several reasons.

The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so shop around every year to make sure the price is not too high.

These discounts can lower your auto insurance quotes

Auto insurance is expensive, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will automatically apply at the time of purchase, but occasionally some discounts must be specifically requested before they will apply.Auto insurance discounts

Discounts save money, but please remember that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

The example below illustrates the comparison of Audi A4 insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or accidents, Tennessee state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

Popular auto insurance companies and some of their more popular discounts can be read below.

It’s a good idea to ask each company or agent which discounts you qualify for. Some credits might not be offered in every state. To locate auto insurance companies with discount rates in Memphis, click here.

Buying insurance from Memphis insurance agencies

A lot of people just prefer to sit down and talk to an agent and there is nothing wrong with that. Professional insurance agents can make sure you are properly covered and will help you if you have claims. An additional benefit of comparing rates online is the fact that you can find better rates but still work with a licensed agent. Supporting local insurance agents is important particularly in Memphis.

Insurance agency in MemphisTo help locate an agent, after submitting this quick form, the quote information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. You don’t have to contact an agency due to the fact that quote results will go to you instantly. If you have a need to get a comparison quote from a specific insurance provider, you just need to go to their quote page and complete a quote there.

The following are Memphis car insurance companies willing to provide rate quotes for Audi A4 insurance in Memphis.


8046 N Brother Blvd #101Memphis, TN 38133(901) 386-4777View Map


3624 Austin Peay Hwy #5Memphis, TN 38128(901) 388-0000View Map


6060 Primacy Pkwy #221Memphis, TN 38119(901) 794-3691View Map


579 S Perkins RdMemphis, TN 38117(901) 683-8600View Map

More Memphis agents

Picking the best insurance company requires more thought than just a cheap price. These are some questions your agent should answer.

Auto insurance can get complicated

Always remember that when buying the best auto insurance coverage, there really is no cookie cutter policy. You are unique.Drive safe and save

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Lower rates by being persistent

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented many tips how you can compare Audi A4 insurance car insurance rates in Memphis. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Audi A4 rate quotes. Drivers may even discover the best car insurance rates are with a lesser-known regional company.

A few companies may not provide online rate quotes and most of the time these regional insurance providers provide coverage only through local independent agents. Affordable Audi A4 insurance in Memphis is possible on the web and with local Memphis insurance agents, and you should compare price quotes from both to have the best selection.

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