Save on 2014 Audi A7 Insurance Quotes

Want the cheapest insurance coverage rates for your Audi A7? Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than the majority of other car owners. Since consumers have many different company options, it’s difficult to pick the lowest cost company.

It is always a good idea to price shop coverage periodically because insurance rates tend to go up over time. Just because you had the lowest price for A7 coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Comprehensive Car Insurance Comparison

Most companies provide coverage price quotes on their websites. The process is fairly straightforward as you simply enter the amount of coverage you want into the quote form. After you complete the form, their rating system pulls reports for credit and driving violations and provides a quote based on these factors. Quoting online simplifies rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to get the best price possible.

Compare rates the easy way

The smarter way to compare car insurance pricing makes use of a single form that analyzes rates from more than one company. This type of form saves time, reduces the work, and makes online shopping much simpler. As soon as the form is sent, it is quoted and you are able to buy your choice of the pricing results. If the quotes result in lower rates, you can click and sign and buy the policy. It takes less than 15 minutes and could lower your rates considerably.

In order to use this form to compare rates, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter your coverages identical to your current policy. This way, you will be getting comparison quotes for exact coverage.

Save on 2014 Audi A7 insurance

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so we break down some of the more common and the more hidden ways to save on insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Senior Discount – Older drivers may receive a discount up to 10% for A7 coverage.
  • Accident Free – Claim-free drivers pay much less when compared to drivers who are more careless.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that may have these discounts include:

Double check with each company how you can save money. Some discounts might not be offered in your state.

Why you might be paying too much to insure your Audi A7

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Adjust deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Audi from damage. Examples of covered claims are collision with another vehicle, damage caused by hail, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more money you’re willing to pay, the less your company will charge you for insurance for A7 coverage.
  • Pleasure use saves money – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle. Incorrect usage on your A7 may be costing you.
  • An active claims history can cost you – Car insurance companies generally give lower rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance is designed for major claims that would cause financial hardship.
  • How many coverages with the same company – Some insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Your age impacts your rates – Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if you may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need rental car coverage?
  • Do I really need UM/UIM coverage?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Liability insurance – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, pain and suffering, structural damage, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills like hospital visits, prosthetic devices, nursing services and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from flooding, theft, rock chips in glass and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi A7.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

A tidy conclusion

You just learned some good ideas how you can get a better price on 2014 Audi A7 insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the smallest insurance companies. They may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that it was a big mistake. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

Other resources