2018 Audi RS 7 Car Insurance Cost – 7 Tips for Best Prices

Want lower auto insurance rates for your Audi RS 7? Feel like you’re a prisoner to overpriced auto insurance? Believe me, many drivers have buyer’s remorse.

People have multiple insurers to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to compare company pricing.

How to lower your car insurance cost

To find affordable car insurance quotes, there are several ways of comparing rates from many different insurance companies. The quickest method to find the lowest Audi RS 7 rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

If you don’t have a lot of time, the easiest way to get quotes for comparison is a comparison rater form click to view form in new window. This style of form prevents you from having to do multiple quote forms for every company. A single form gets you coverage quotes direct from many companies.
Another way to shop for car insurance online requires visiting each company’s website and go through the quote process again. For examples sake, let’s say you want to compare rates from Farmers, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which can get old fast.
For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be certain you are entering exactly the same coverage limits and deductibles for every company. If you are comparing different liability limits it’s impossible to make a fair rate comparison. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Pay discount rates these seven discounts

Some insurers don’t necessarily list every discount they offer very clearly, so the below list has a few of the more well known and also the lesser-known credits available to you.

Full Payment Discount – By making one initial payment instead of making monthly payments you can actually save on your bill.
Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.
Driving Data Discount – People who choose to allow driving data collection to study where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
Good Students Pay Less – This discount can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
Home Ownership Discount – Just owning your own home may earn you a small savings because owning a home requires a higher level of personal finance.
Driver Education Discount – Require your teen driver to participate in a local driver’s education class as it can save substantially.
Multiple Cars – Drivers who insure more than one vehicle on one policy qualifies for this discount.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you aren’t that lucky.

Some of the larger companies that may offer these benefits possibly include:

It’s a good idea to ask each company how you can save money. Some credits may not apply in your area. To view insurance companies that offer multiple discounts, follow this link.

Special considerations

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether your personal situation might need professional guidance.

When should I remove comp and collision on my 2018 Audi RS 7?
Can my teen drive my company car?
Do I need higher collision deductibles?
Am I getting all the discounts available?
Is my business laptop covered if it gets stolen from my vehicle?
Am I covered when using my vehicle for business?
Can I pay claims out-of-pocket if I buy high deductibles?
Is a fancy paint job covered?
Do I need to file an SR-22 for a DUI in my state?
Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance specifics

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Audi RS 7.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, vandalism, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, structural damage and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, ambulance fees, nursing services, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage