2018 Audi A7 Insurance Rates – 8 Tips to Save

Want cheaper insurance rates for your Audi A7? There isn’t anyone who enjoys paying for insurance, especially when they could get a better deal. Many auto insurance companies vie for your business, so it can be very hard to choose a company to discover the definitive lowest rate possible.

If you are insured now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to know the tricks to compare price quotes online.

Lower rates by qualifying for these eight discounts

Companies do not list all their discounts in a way that’s easy to find, so the list below details both the well known in addition to some of the lesser obvious credits available to you.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on A7 coverage than drivers with accidents.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn discounted rates on garaged vehicles.
  • Student Discount for Driver Training – Teen drivers should take driver’s ed class in high school.
  • Pay Now and Pay Less – By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
  • Bundle and Save – If you can bundle your home and auto insurance with the same insurance company you may save as much as 10 to 15 percent.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
  • Early Signing – A few larger companies allow discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. The discount lasts until age 25.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, you’re out of luck.

Larger insurance companies and some of the premium reductions they offer are:

  • GEICO has savings for air bags, driver training, seat belt use, federal employee, and anti-theft.
  • Auto-Owners Insurance discounts include anti-theft, multiple vehicles, group or association, student away at school, company car, and mature driver.
  • American Family offers discounts for TimeAway discount, early bird, bundled insurance, good student, and accident-free.
  • Esurance has discounts for anti-theft, defensive driver, paid-in-full, DriveSense, Pac-12 alumni, emergency road assistance, and homeowner.
  • Progressive includes discounts for multi-policy, online signing, good student, multi-vehicle, homeowner, online quote discount, and continuous coverage.
  • State Farm offers discounts including driver’s education, safe vehicle, good student, multiple autos, multiple policy, good driver, and defensive driving training.
  • AAA policyholders can earn discounts including good student, anti-theft, education and occupation, multi-car, good driver, multi-policy, and pay-in-full.

If you are trying to find affordable auto insurance quotes, ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To view insurance companies who offer online insurance quotes, click this link.

Insurance coverage is unique, just like you

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my babysitter covered when using my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is high-risk coverage and where do I buy it?
  • Do I need special endorsements for business use of my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is medical payments coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, theft, hitting a deer, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as bail bonds, funeral expenses, court costs, medical services and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

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

Collision insurance covers things such as scraping a guard rail, backing into a parked car, colliding with a tree, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, prosthetic devices, surgery and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Audi A7.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

In the end, you save

We’ve covered many tips how you can lower your 2018 Audi A7 insurance premium rates. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may be surprised to find that the most savings is with a lesser-known regional company. They may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. In many cases, someone dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best possible price, not the least amount of coverage.

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