2014 Audi A7 Car Insurance Quotes

Are you sick and tired of scraping the payment together to insure your Audi every month? You’re in the same situation as millions of other people. Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite lowest rate

How to get insurance quotes

There are a variety of methods to compare insurance quotes, but some are less labor-intensive and much quicker. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company returns a competitive quote based on that information. This saves time by eliminating quote requests for each company.

To participate in this free quote system, click to open in new window.

The only downside to doing it this way is you can’t choose which companies you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just ensure you are comparing the exact same coverages and limits for each price quote. If each company quotes mixed coverages it will be nearly impossible to get a fair rate comparison.

Insurance coverage companies offer lots of discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not know about. Some of these disounts will be visible at the time of quoting, but occassionally some discounts must be requested specifically before you will receive the discount.

  • Good Student Discount – Excelling in school can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to analyze driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better prices if you take out some life insurance in addition to your auto policy.
  • Theft Deterent – Vehicles that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for switching to them before your current coverage expires. You may see this discount when you get car insurance quotes online.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • College Student Discount – who are attending college and do not have a car could qualify for this discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings of more than 20%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the insurance companies that possibly offer some of the discounts shown above include:

Before buying, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts might not apply in every state.

Do I just need basic coverages?

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if you might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need higher collision deductibles?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I put collision coverage on all my vehicles?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Audi A7 insurance rate factors

Lots of things are part of the equation when premium rates are determined. Most are fairly basic such as traffic violations, but others are not as apparent like your continuous coverage and annual miles driven.

  • Pay more of a claim out-of-pocket – Physical damage protection, aka comp and collision, protects your Audi from damage. A few examples of covered claims are colliding with a building, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be for A7 coverage.
  • Gaps in coverage mean higher prices – Driving your car without having proper coverage is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.
  • Avoid tickets and save – A bad driving record impacts premiums far more than you think. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Only having one chargable violation can boost insurance rates to the point where it’s not affordable. Drivers who have received serious violations such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state in order to legally drive.
  • Be proud to be claim-free – If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Car insurance companies generally give discounts to people who only file infrequent claims. Your insurance policy is intended for the large, substantial claims.
  • Big city or small town – Being located in a rural area has it’s advantages if you are looking for the lowest rates. People in densly populated areas have more road rage incidents and more time behind the wheel. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims.
  • Don’t skimp on liability protection – Liability insurance will afford coverage if a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage as compared to coverage for physical damage, so do not skimp.
  • Reduce premiums by driving cars with good safety ratings – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety protect occupants better and fewer injuries means less claims paid and more competitive rates for policyholders. If your Audi A7 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Cut premiums and deter theft – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.

Insurance coverage specifics

Knowing the specifics of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverage – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for 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 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, loss of income and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding, falling objects, damage from getting keyed and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, EMT expenses, doctor visits, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Take this to the bank

We covered some good ideas how you can lower your 2014 Audi A7 insurance premium rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. You may even find the best premium rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Cost effective 2014 Audi A7 insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide internet price quotes and these regional insurance providers work with independent agents.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at the best possible price while not skimping on critical coverages.

Additional auto insurance information can be found on the following sites: