It’s an obvious statement that car insurance companies don’t want you to compare rates. Consumers who shop around at least once a year will most likely switch car insurance companies because they have a good chance of finding a lower-priced company. Surprisingly, a recent survey revealed that drivers who compared rates annually saved approximately $3,500 over four years compared to drivers who never shopped around for better prices.
If finding the cheapest rates on Audi A4 insurance is why you’re here, then having a grasp of how to get rate quotes and compare insurance rates can help simplify the task of finding more affordable coverage.
If saving the most money is your goal, then the best way to get cheaper Audi A4 insurance in Oklahoma City is to start comparing rates regularly from different companies who sell insurance in Oklahoma. Rate comparisons can be done by completing these steps.
- It will benefit you to learn about how insurance works and the changes you can make to lower rates. Many risk factors that are responsible for high rates such as accidents, traffic violations, and an unfavorable credit rating can be rectified by making minor changes to your lifestyle.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple sources. View insurance agents
- Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you can save some money, ensure there is no coverage lapse between policies.
One key aspect when comparing rates is that you use identical limits and deductibles on each price quote and and to look at as many companies as feasibly possible. Doing this guarantees a fair price comparison and the best price selection.
Best companies for cheap Audi A4 insurance in Oklahoma
The following companies are our best choices to provide comparison quotes in Oklahoma. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.
Car insurance analysis for an Audi A4
The data table displayed next highlights detailed analysis of coverage prices for Audi A4 models. Knowing how prices are established can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $306 | $674 | $430 | $26 | $128 | $1,564 | $130 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $306 | $584 | $430 | $26 | $128 | $1,474 | $123 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $306 | $584 | $430 | $26 | $128 | $1,474 | $123 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $306 | $674 | $430 | $26 | $128 | $1,564 | $130 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $340 | $674 | $430 | $26 | $128 | $1,598 | $133 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in your specific Oklahoma City location which can revise premium rates greatly.
Where to set your deductibles
When comparing car insurance rates, the most common question is which deductibles should you choose. The premium rates below may help you to understand the differences in premium rates between high and low comp and collision deductibles. The first set of rates uses a $100 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $436 | $946 | $448 | $26 | $134 | $2,015 | $168 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $436 | $946 | $448 | $26 | $134 | $2,015 | $168 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $486 | $946 | $448 | $26 | $134 | $2,065 | $172 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $318 | $638 | $448 | $26 | $134 | $1,564 | $130 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $318 | $554 | $448 | $26 | $134 | $1,480 | $123 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $318 | $638 | $448 | $26 | $134 | $1,564 | $130 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $354 | $638 | $448 | $26 | $134 | $1,600 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific garaging location which can revise auto insurance rates greatly.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $38 more each month or $456 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 11 months between claim filings, you would probably come out ahead going with the higher deductible.
Car insurance premiums by gender
The information below illustrates the difference between Audi A4 annual premium costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Audi A4 liability rates compared to full coverage
The information below illustrates the comparison of Audi A4 auto insurance costs when comparing full coverage to liability only. The prices are based on no claims or driving citations, $100 deductibles, single status, and no discounts are applied to the premium.
When to buy liability coverage only
There is no definitive guideline for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your Audi A4 replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If you are paying in excess of $400 a year for full coverage, then it might be time to buy liability only.
There are some situations where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. 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.
Do you qualify for discounts on Audi A4 insurance in Oklahoma City?
The price of auto insurance can be rather high, but there’s a good chance there are discounts that can help lower your rates. Many of these discounts will be applied automatically at quote time, but some must be manually applied in order for you to get them.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Safe Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their Oklahoma City car insurance quote compared to rates paid by drivers with frequent claims.
- Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles with one company can reduce rates for all insured vehicles.
- Early Renewal Discounts – A few car insurance companies allow discounts for switching to them before your current expiration date. You can save around 10% with this discount.
- Life Insurance Discount – If the company offers life insurance, you could get a lower car insurance rate if you buy auto and life insurance together.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Use Seat Belts – Drivers who require all occupants to buckle up can save a little off the personal injury premium cost.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Oklahoma City car insurance quote.
- Bundle and Save – If you combine your home and auto policies with the same company you will save 10% to 20% off each policy.
It’s important to note that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will bring down your car insurance premiums.
The information below illustrates the difference between Audi A4 premium costs with and without discounts applied to the policy rates. The costs are based on a female driver, no accidents or driving violations, Oklahoma 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 claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.
To locate providers with the best discounts in Oklahoma, click this link.
You may require the services of an insurance agent
Many drivers still like to visit with an insurance agent and doing so can bring peace of mind Licensed agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of getting online price quotes is you can get cheap rate quotes and still have an agent to talk to.
To help locate an agent, after submitting this simple form, the coverage information gets sent to agents in your area that can provide free Oklahoma City car insurance quotes for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. If you wish to get a rate quote from a specific auto insurance provider, just visit that company’s website and fill out their quote form.
Finding a good insurer should include more criteria than just the premium amount. You should also get answers to these questions.
- What are the financial ratings for the companies they represent?
- Is every driver in your family covered?
- Do they regularly work with personal auto policies in Oklahoma City?
- Do they assist clients in filing claims?
- Does the company use OEM repair parts?
- Do they get extra compensation for selling add-on coverages?
- Are they full-time agents?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Exclusive or Independent: There is a difference
When finding a reliable agent, there are a couple of different types of agents and how they can write your policy. Auto insurance agencies are categorized either exclusive or independent (non-exclusive). Either can insure your vehicles, but it’s good to learn the difference in the companies they write for since it may influence your selection of an agent.
Exclusive Auto Insurance Agencies
Exclusive agents write business for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are highly trained on what they offer and that can be a competitive advantage. Consumers frequently use the same agent mainly due to the brand name instead of buying on price only.
Listed below is a list of exclusive agents in Oklahoma City who can help you get price quotes.
- Matt Pryor – State Farm Insurance Agent
2229 NW 138th St d – Oklahoma City, OK 73134 – (405) 749-8100 – View Map - Allstate Insurance: Gerald Jeter
11723 S Western Ave – Oklahoma City, OK 73170 – (405) 692-2411 – View Map - State Farm: Vicky Richey Insurance Agency Inc
8601 S Walker Ave – Oklahoma City, OK 73139 – (405) 635-0677 – View Map
Independent Agents (or Brokers)
These agents do not have single company limitations so they can write business amongst many companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage which requires no work on your part. When comparing auto insurance prices, you will want to get insurance quotes from a few independent agents to get the most accurate price comparison. Most also have access to different regional companies who may have lower rates.
The following are Oklahoma City independent insurance agents willing to provide price quotes.
- Oklahoma Insurance Center Inc
538 E Memorial Rd – Oklahoma City, OK 73114 – (405) 608-4422 – View Map - Bigbie, Hensley and Janway Insurance Agency
5532 N Western Ave – Oklahoma City, OK 73118 – (405) 235-0036 – View Map - Shelton Agency
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map
Quote more to save more
Cheaper Audi A4 insurance in Oklahoma City can be bought both online in addition to local insurance agencies, so get free Oklahoma City car insurance quotes from both of them to get a complete price analysis. A few companies don’t offer online price quotes and many times these regional insurance providers work with local independent agents.
You just read many ways to reduce Audi A4 insurance prices online in Oklahoma City. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Oklahoma City car insurance quotes. Drivers may even discover the most savings is with a smaller regional carrier.
Insureds switch companies for a number of reasons such as not issuing a premium refund, high prices, high rates after DUI convictions and denial of a claim. No matter why you want to switch, switching companies is less work than it seems.
Additional detailed information is available by following these links:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Oklahoma City Car Insurance Quotes for a Company Car? (FAQ)
- How Much is Auto Insurance for Electric Cars in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Quotes for Lyft Drivers? (FAQ)
- Older Drivers FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)