Lower Your 2013 Audi A7 Insurance Cost

Want lower auto insurance rates for your Audi A7? Wish you could get a refund on high-priced auto insurance? Say no more because many consumers feel financially strained by their auto insurance policy.

You have so many auto insurance companies to pick from, and though it is a good thing to be able to choose, so many choices can make it hard to compare company pricing.

How to get free car insurance quotes online

To get low cost insurance coverage quotes, there a variety of ways to compare rate quotes from many different insurance companies. The easiest way to comparison shop consists of shopping online. This is very easy and can be done in a couple of different ways.

The recommended way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating boring form submissions for every car insurance company. One form gets rate comparisons direct from many companies.

A less efficient way to shop for car insurance online requires you to visit each company’s website and fill out their own quote form. For examples sake, let’s say you are doing a rate comparison from State Farm, Liberty Mutual and Allstate. To do that, you would have to navigate to each company’s site and enter your policy data, which can get rather old. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the same information with each company. If each company quotes differing limits it’s impossible to determine the lowest rate for your Audi A7. Just slight variations in coverage limits can make a big difference in price. Keep in mind that comparing more rates from different companies will enable you to find more affordable rates.

Find hidden discounts on insurance

Car insurance can cost a lot, but you might be missing out on some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied before they will apply.

  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive reduced rates on A7 coverage.
  • Sign Online – Certain companies will provide an incentive for signing up on the web.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
  • Drive Less and Save – Keeping the miles down on your Audi may enable drivers to earn better prices on cars that stay parked.
  • One Accident Forgiven – Not necessarily a discount, but a few companies such as GEICO and Allstate will forgive one accident before raising your premiums if your claims history is clear for a specific time period.

Remember that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

Auto insurance companies that may offer quotes with these discounts include:

It’s a good idea to ask each company or agent how many discounts you can get. Some credits may not apply in your area. For a list of insurers that can offer you the previously mentioned discounts, click here.

Informed consumers save more

Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent like where you live and annual miles driven.One of the most helpful ways to save on car insurance is to to have a grasp of the factors that go into determining car insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get cheaper rates.

  • Tickets and citations cost more than a fine – How you drive impacts your car insurance rates tremendously. Attentive drivers get better prices compared to bad drivers. Having a single moving violation can bump up the cost by twenty percent. People who have severe citations such as DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Better prices on vehicles with better crash test results – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety result in less severe injuries and lower injury rates means less money paid by your insurance company which can result in lower premiums.
  • Location can influence price – Being located in a small town is a good thing when buying car insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. People in densly populated areas tend to have more auto accidents and a longer drive to work. The longer drive time means higher likelihood of an accident.
  • Keep rates low by being claim-free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies award the lowest premiums to policyholders who do not file claims often. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Vehicle features impact premiums – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • Is rental equipment covered for theft or damage?
  • Who is covered when they drive my 2013 Audi A7?
  • How can I find cheaper teen driver insurance?
  • Am I covered when pulling a rental trailer?
  • What vehicles should carry emergency assistance coverage?
  • Is business equipment covered while in my vehicle?
  • Can I still get insurance after a DUI?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, falling objects, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This coverage will pay to fix damage to your A7 from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, funeral costs, rehabilitation expenses, EMT expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Auto liability – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

Some insurance providers may not have rate quotes online and most of the time these smaller providers prefer to sell through independent agents. Discount 2013 Audi A7 insurance is available from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture.

We just covered a lot of information how to reduce 2013 Audi A7 insurance rates online. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. You may even discover the lowest priced insurance comes from a small mutual company. They may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

Much more information about insurance is available on the following sites: