To save the most money, the best way to get affordable Audi A4 insurance in Omaha is to compare quotes once a year from different companies in Nebraska. You can compare prices by completing these steps.
- Gain an understanding of how auto insurance works and the modifications you can make to drop your rates. Many things that drive up the price such as speeding tickets, accidents and an unacceptable credit history can be controlled by making minor changes in your lifestyle. Continue reading for more information to prevent high prices and get additional discounts.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of companies. View insurance agents
- Compare the price quotes to the price on your current policy to see if a cheaper price is available. If you can save some money and switch companies, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your decision to cancel your current car insurance policy. Submit a down payment and signed policy application for the new policy. Immediately upon receiving it, place the new certificate verifying coverage along with your vehicle registration.
A key point to remember is to make sure you’re comparing the same liability limits and deductibles on every quote and and to get quotes from every company you can. This provides an accurate price comparison and a better comparison of the market.
It’s astonishing, but most insurance policyholders kept buying from the same company for at least the last four years, and roughly 40% of drivers have never compared rate quotes at all. Omaha consumers could save $388 every year, but they won’t spend time to compare rates online.
The best way to compare rate quotes for Audi A4 insurance in Omaha is to understand most of the bigger providers have advanced systems to compare rate quotes. All consumers are required to do is provide details including how much coverage you want, the type of vehicles you drive, if you lease or own, and how much school you completed. That information is then submitted to multiple different insurance companies and you get price estimates with very little delay.
To get price quotes for your Audi A4 now, click here and complete the form.
The providers in the list below can provide free rate quotes in Nebraska. In order to find the best cheap car insurance in Omaha, NE, we recommend you get rates from several of them to find the most affordable car insurance rates.
Premium rates and analysis
The coverage table displayed below showcases different insurance rates for Audi A4 models. Knowing how auto insurance policy rates are established is important for you to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $250 | $650 | $338 | $20 | $102 | $1,360 | $113 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $250 | $650 | $338 | $20 | $102 | $1,360 | $113 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $278 | $650 | $338 | $20 | $102 | $1,388 | $116 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in specific zip code location which can change coverage rates considerably.
Can higher deductibles save money?
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates below may help to conceptualize the differences in premium rates between high and low deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A4 2.0T Quattro Premium Turbo Station Wagon | $262 | $530 | $300 | $18 | $90 | $1,225 | $102 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $262 | $530 | $300 | $18 | $90 | $1,225 | $102 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 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 | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| A4 2.0T Premium Turbo 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| A4 2.0T Quattro Premium Plus Turbo Station Wagon | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| A4 2.0T Premium Plus Turbo 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| A4 2.0T Quattro Premium Plus 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| A4 2.0T Quattro Prestige Turbo Station Wagon | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| A4 2.0T Quattro Prestige 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rates do not factor in vehicle location which can change price quotes noticeably.
Based on the above data, using a $250 deductible will cost you roughly $27 more each month or $324 for a full year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 28 months between claim filings, you would most likely save money by selecting a higher deductible.
Full coverage versus liability only rates
The information below visualizes the comparison of Audi A4 car insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The data is based on no violations or claims, $100 deductibles, single status, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Audi A4 replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after you pay the deductible. If premiums are more than $500 annually to have full coverage, then you might consider buying liability only.
There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
These discounts can lower your auto insurance rates
Some insurers don’t list every discount very well, so below is a list both well-publicized as well as some of the hidden discounts that you may qualify for. If you are not receiving all the discounts you deserve, you are throwing money away.
- Discount for Low Mileage – Maintaining low annual mileage could earn better premium rates on cars that stay parked.
- Paperless Signup – Many auto insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
- Resident Student – Kids who are enrolled in a college that is more than 100 miles from Omaha without a vehicle on campus may be insured at a cheaper rate.
- Senior Discount – Older drivers can possibly qualify for a discount up to 10%.
- Service Members Pay Less – Being on active duty in the military can result in better premium rates.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will positively reduce your overall bill.
The illustration below illustrates the difference between Audi A4 insurance premiums with and without discounts applied. The costs are based on a male driver, no claims or driving citations, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.
Car insurance companies that may have some of the above discounts may include but are not limited to:
Before buying, ask all companies you are considering how many discounts you can get. Some discounts might not be available to policyholders in Omaha. To see a list of insurance companies who offer online Audi A4 insurance quotes in Nebraska, click here.
Auto insurance is not optional in Nebraska
Despite the high insurance cost for a Audi A4 in Omaha, insuring your vehicle may be mandatory for several reasons.
First, just about all states have minimum liability requirements which means you are required to carry specific limits of liability insurance coverage in order to drive the car. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your A4 has a loan, almost all lenders will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may insure your Audi at a more expensive rate and force you to reimburse them for it.
Third, auto insurance protects both your assets and your Audi A4. It will also pay for many types of medical costs incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Nebraska is overpaying more than $830 a year so we recommend shopping around once a year at a minimum to save money.
Compare rate quotes but buy from a neighborhood Omaha auto insurance agent
Some people still prefer to buy from a local agent and that is not a bad decision One of the great benefits of comparing rates online is that drivers can save money and get the lowest rates and still have a local agent. Buying from local insurance agents is still important in Omaha.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to companies in Omaha who will gladly provide quotes for your business. It makes it easy because there is no need to contact any agents because quoted prices will be sent to you instantly. You can find better rates without requiring a lot of work. If you have a need to compare rates from a specific car insurance provider, you just need to jump over to their website and submit a quote form there.
When looking for a local insurance agency, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Car insurance agents in Omaha may be either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents in the independent channel are not restricted to one company so they can quote policies through many companies depending on which coverage is best. If you want to switch companies, they simply move your policy to a different company and you don’t have to switch agencies. When searching for an agent, you will definitely want to include rate quotes from independent agents to have the most options to choose from. A lot of them also have access to less well-known companies that can offer cheaper rates than bigger companies.
Below are independent agencies in Omaha who may be able to give you free rate quotes.
- AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map - BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map - Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
Exclusive Agents
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. Exclusive agents receive extensive training in insurance sales and that enables them to sell even at higher rates. Consumers frequently buy insurance from these agents mainly due to the brand rather than low price.
Listed below are exclusive agencies in Omaha that are able to give price quote information.
- American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map - Tom Kaspar – State Farm Insurance Agent
1722 N 120th St – Omaha, NE 68154 – (402) 493-0101 – View Map - Rudy Partida – State Farm Insurance Agent
639 N 98th St – Omaha, NE 68114 – (402) 333-5104 – View Map
Picking an insurance agent shouldn’t rely on just a low price. Any agent in Omaha should have no problem answering these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- Will the agent or a CSR service your policy?
- Is the agency active in community causes in Omaha?
- Do they prorate repair cost based on vehicle mileage?
- Is there any savings for paying the full premium?