2013 Audi S7 Car Insurance Quotes

Want better insurance rates for your Audi S7? Searching for affordable insurance on the web is problematic for people who are new to buying insurance on the web. With dozens of insurers available, how can drivers even start to compare every one to find the best available rates?

Finding the lowest cost car insurance can be fairly easy. Just about everyone who buys car insurance will be able to save money. Nevertheless, consumers do need to know how insurance companies market insurance on the web and apply this information to your search.

Car Insurance Comparisons

Comparing car insurance rates can be a lot of work if you don’t know the most efficient way to do it. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

Most of the best insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company provides a quote based on that data. This prevents consumers from doing quote requests to each company. To access this free quoting program, click here (opens in new window).

The single downside to comparing rates this way is you are unable to specify the companies to receive prices from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical information with every price quote. If you are comparing different values for each quote it’s not possible to determine the best price for your Audi S7. Quoting even small variations in coverage limits may result in a large different in cost. Keep in mind that getting more free quotes helps locate a lower rate.

Save on Audi S7 insurance

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some must be asked about before being credited.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Claim Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Save over 55 – Mature drivers may receive reduced rates for S7 coverage.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for S7 coverage with certain companies.
  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

For a list of companies offering insurance coverage discounts, follow this link.

Lesser-known factors impacting Audi S7 insurance rates

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Poor driving leads to higher costs – Drivers with clean records tend to pay less for car insurance than bad drivers. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated S7 can result in significantly higher rates. Ask your agent if your insurance coverage declarations sheet is showing the correct usage for each vehicle.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • More people means more accidents – Living in small towns and rural areas can save you money when talking about insurance coverage. Drivers who live in large cities have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I need added coverage for expensive stereo equipment?
  • Am I getting all the discounts available?
  • Is my trailer covered?
  • Am I covered if I crash into my own garage door?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi S7.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, nursing services, hospital visits and ambulance fees. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, vandalism, damage from a tornado or hurricane, a broken windshield and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, repair costs for stationary objects, attorney fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

What is YOUR best insurance company?

When shopping online for insurance coverage, never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits and learned later that it was a big error on their part. Your strategy should be to find the BEST coverage for the lowest price.

In this article, we covered a lot of ways to save on 2013 Audi S7 insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the best prices are with the smaller companies.

Low-cost insurance can be found on the web and with local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

More information is available on the following sites: