Lower Your 2014 Audi A7 Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat. Many insurers vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute best price available.

Consumers should take time to shop coverage around yearly since rates change quite often. Despite the fact that you may have had the best deal on A7 coverage last year you will most likely find a better rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to learn the most efficient way to shop for insurance online.

Compare the Market for Auto Insurance

All the larger auto insurance companies such as Progressive, Allstate and Geico provide pricing online. This process doesn’t take a lot of time as you just enter your required coverages as detailed in the form. After the form is submitted, their rating system gets your driving and credit reports and gives you a price quote based on these and other factors. Online quotes makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for better auto insurance pricing.

Rate comparisons made easy

A quicker way to lower your rates makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. Once the form is submitted, it is rated and you can select your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. It just takes a couple of minutes and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you copy the coverages just like they are on your policy. This helps ensure you will have rate comparison quotes based on similar coverages.

How much can you save with discounts?

Car insurance companies do not advertise every discount very clearly, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • No Accidents – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not apply in your state.

Factors that can influence Audi A7 insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating your auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

  • Bundling policies can get discounts – Many insurers will award you with lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Both sexes are in accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • Where you reside plays a part – Living in a rural area can be a good thing when talking about auto insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have much more traffic to deal with and a longer drive to work. More time commuting means more change of being in an accident.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage if ever you are found liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can get tricked into buying when buying auto insurance. Things like roadside assistance, accidental death and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • How your age affects price – Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers tend to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.

How much car insurance do I need?

When choosing the best insurance coverage, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Is a fancy paint job covered?
  • What discounts do I qualify for?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Misconceptions in car insurance advertisements

Drivers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and Geico. They all say the same thing of big savings if you switch your coverage to them.

How does each company say the same thing?

All companies have a preferred profile for the driver that makes them money. For instance, a preferred risk might be over the age of 40, is a homeowner, and has a high credit rating. A driver that hits that “sweet spot” receives the best rates and most likely will save when switching.

Consumers who don’t measure up to this ideal profile must pay higher prices and this can result in business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently claim big savings. This illustrates why you absolutely need to get quotes from several different companies. You cannot predict which car insurance company will fit your personal profile best.

Car insurance coverages and their meanings

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average car insurance policy.

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as structural damage, court costs, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Audi A7.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, dental work and nursing services. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – This coverage pays for damage to your A7 resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Be a smart shopper

We’ve covered a lot of tips how to shop for 2014 Audi A7 insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a small local company. They can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at a price you can afford.

Low-cost insurance is available online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide online quoting and these small insurance companies work with independent agents.

Even more information is available at these sites: