2013 Audi A7 Car Insurance Rates – 7 Savings Tips

Drivers have many options when trying to find affordable Audi A7 insurance. They can either waste time driving around to compare prices or utilize the internet to make rate comparisons. There is a better way to buy car insurance and you need to know the absolute fastest way to get price quotes for a new or used Audi and obtain the best price possible from local insurance agents and online providers.

You should take the time to take a look at other company’s rates every six months because prices are rarely the same from one policy term to another. Even if you think you had the best rates on A7 insurance six months ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to quote online to find great coverage at a great price.

If you have a current insurance coverage policy or need new coverage, you can use this information to find better prices and possibly find even better coverage. The purpose of this post is to introduce you to the most effective way to quote insurance and some tricks to saving. Vehicle owners only need to know the proper methods to shop for insurance coverage online.

Comprehensive Auto Insurance Comparison

Most companies such as Geico, State Farm and Progressive quote prices for coverage directly from their websites. Obtaining pricing is quite simple as you simply type in your personal and coverage information into a form. Once you submit the form, their rating system makes automated requests for credit information and your driving record and generates pricing information determined by many factors.

This streamlines rate comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price on auto insurance.

A quicker way to compare auto insurance pricing utilizes a single form that analyzes rates from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the new coverage. It takes 15 minutes at the most and could lower your rates considerably.

In order to use this form to compare rates, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend that you enter your coverages just like they are on your policy. Using the same limits helps guarantee you will receive a rate comparison for the exact same coverage.

Save with discounts on Audi A7 insurance

Companies offering auto insurance don’t always advertise every discount very clearly, so we took the time to find both well-publicized and the more hidden ways to save on car insurance. If you’re not getting every credit available, you’re just leaving money on the table.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurers offering car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • How can I force my company to pay a claim?
  • Is there coverage for injuries to my pets?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the minimum liability in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Which is better, split liability limits or combined limits?
  • Is my camper covered by my car insurance policy?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision protection

This will pay to fix damage to your A7 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, hitting a mailbox, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t 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 liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, hitting a deer, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2013 Audi A7.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for pain medications, hospital visits, dental work, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Find Good Coverage for Less

The cheapest 2013 Audi A7 insurance can be bought on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

Throughout this article, we presented some good ideas how you can save on insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the lowest rates come from the least-expected company.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, delays in paying claims, policy cancellation and even denial of a claim. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

For more information, take a look at the articles below: