2013 Audi allroad Car Insurance Rates – 5 Tips for Cheapest Quotes

Want cheaper insurance coverage rates for your Audi allroad? I can’t think of anyone who enjoys paying for insurance coverage, particularly when the cost is too high. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should make it a habit to compare rates once or twice a year because rates change regularly. Despite the fact that you may have had the best deal on allroad coverage a year ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to find out how to use the internet to find great coverage at a great price.

Fast and Easy Insurance Coverage Quotes

Getting a cheaper price on 2013 Audi allroad insurance isn’t really that difficult. All that’s required is to take a couple of minutes comparing rates provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotes for each company you want a rate for. One quote request will get you rate comparisons from several companies.
  2. A less efficient way to find lower rates is to manually visit each individual company website and request a quote. For examples sake, let’s assume you want to compare State Farm, Progressive and Liberty Mutual. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage limits and deductibles with each company. If your comparisons have mixed coverages you will not be able to find the best deal for your Audi allroad.

Be sure to get all your discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Save over 55 – If you’re over the age of 55, you may qualify for better insurance rates on allroad coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Audi could qualify for better rates on cars that stay parked.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save at least 10% off all policies.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you could get a free insurance policy, companies don’t profit that way.

For a list of insurers offering insurance discounts, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • Am I covered by my spouse’s policy after a separation?
  • Should I have a commercial auto policy?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is there coverage for injuries to my pets?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

The insurance coverage bait and switch

Drivers can’t get away from ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all seem to have a common claim about savings if you switch your coverage to them.

But how can every company say the same thing? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured could possibly be between the ages of 40 and 55, has no prior claims, and has excellent credit. Any driver who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements will be charged higher premiums and ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that kind of money. That’s why companies can claim big savings. That is why it’s extremely important to get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Auto insurance 101

Understanding the coverages of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from car insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hitting a deer and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2013 Audi allroad.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, funeral expenses and medical services. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Save your hard earned cash

We’ve covered a lot of tips how to shop for 2013 Audi allroad insurance online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

When shopping online for insurance, you should never reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Budget-conscious insurance is available online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

For more information, link through to the articles below: