Lower Your 2013 Audi A7 Insurance Rates

Looking for the cheapest car insurance rates for your Audi A7? Finding more affordable prices on Driverscar insurance is kind of frustrating for drivers who are new to buying insurance online. With so many insurance agents and online companies, it can easily be a ton of work to lower your rates.

It’s important to do price comparisons on a regular basis due to the fact that insurance rates change quite often. If you had the lowest rate on A7 coverage two years ago the chances are good that you can find a lower price today. There are lots of tips to save on car insurance out there, but by reading this article, you’re going to learn some solid techniques on how to slash your car insurance rates.

Choosing the best insurance company for you is easy if you know what you’re doing. Basically, everyone who buys insurance will be able to cut their insurance bill. But car owners must comprehend the way insurance companies market insurance on the web and apply this information to your search.

Lower rate quotes with these discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be manually applied prior to getting the savings.

  • Discounts for Cautious Drivers – Drivers without accidents could pay up to 40% less on A7 coverage than drivers with accident claims.
  • Accident Waiver – This one is not really a discount per se, but certain companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Distant College Student Discount – Kids who live away from home at college and leave their car at home could get you a discount.
  • No Claims – Insureds with no claims or accidents get the best insurance rates in comparison with drivers with a long claim history.
  • Defensive Driver Discounts – Participating in a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower premium rates due to less chance of an accident.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on A7 coverage.
  • Theft Deterent Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Early Renewal Discounts – Some insurance companies give discounts for buying a policy before your current coverage expires. You can save around 10% with this discount.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Larger insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO may have discounts that include driver training, good student, anti-lock brakes, air bags, and defensive driver.
  • SAFECO discounts include teen safety rewards, homeowner, teen safe driver, accident prevention training, and drive less.
  • State Farm may offer discounts for safe vehicle, Steer Clear safe driver discount, good driver, accident-free, and multiple autos.
  • MetLife offers premium reductions for multi-policy, good driver, defensive driver, good student, claim-free, and accident-free.
  • 21st Century offers discounts for automatic seat belts, student driver, driver training, anti-lock brakes, theft prevention, good student, and defensive driver.
  • Progressive includes discounts for multi-policy, homeowner, continuous coverage, good student, and online signing.

Before you buy a policy, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in every state. To find insurance companies who offer insurance discounts, click here.

Cheapest insurance quotes

The are a couple different ways to obtain and compare prices from many different insurance companies. The quickest method to find cheaper Audi A7 rates consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

Without a doubt, the easiest way to find low rates is to use a rate comparison form click here to open form in new window. This style of form keeps you from doing separate quote forms for every insurance company. One form submission compares rates instantly. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to find lower rates is to take the time to go to each company’s website and request a quote. For examples sake, we’ll assume you want to get rates from Nationwide, Allstate and State Farm. You would need to visit each site and punch in your information repeatedly, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare equivalent deductibles and coverage limits with every price quote. If your comparisons have higher or lower deductibles it’s impossible to determine the lowest rate for your Audi A7. Even a minor difference in coverages can result in a big premium difference. Just keep in mind that comparing more quotes will enable you to find a better price.

You can change your insurance prices

A large part of saving on insurance is knowing a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the most common factors insurance companies consider when setting your rate level.

  • Gender and insurance rates – Statistics show that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Both sexes get in at-fault accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving. Male teenagers generally have the highest accident percentage and are penalized with high insurance rates.
  • Insurance companies don’t like frequent claims – If you file a lot of claims you should expect increased rates or even have your policy non-renewed. Insurance companies give cheaper rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • lapses raise prices – Having a gap between insurance policy dates is a guaranteed way to drive up your policy premiums. Not only will rates go up, the inability to provide proof of insurance can result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Having a spouse can lower premiums – Having a wife or husband may save some money on insurance. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that married drivers tend to file fewer claims.

Insurance coverage can be complex

When it comes to buying coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • What vehicles should carry emergency assistance coverage?
  • Does my 2013 Audi A7 qualify for pleasure use?
  • Am I covered if I drive in a foreign country?
  • What is covered by UM/UIM coverage?
  • Why am I required to buy high-risk coverage?
  • Do I benefit by insuring my home with the same company?
  • Why is insurance for a teen driver so high?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Coverage specifics

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability

This can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, medical expenses, structural damage, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, nursing services, rehabilitation expenses and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This coverage covers damage to your A7 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

One last thing about your coverage

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Lower-priced auto insurance can be sourced both online in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some insurance companies may not provide rate quotes online and usually these regional insurance providers only sell coverage through independent insurance agencies.

Insureds leave their current company for many reasons like being labeled a high risk driver, denial of a claim, policy cancellation and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company can be pretty painless.

For more information, feel free to browse the resources below:

Comments About 2013 Audi A7 Insurance

  1. Crissy Macias

    I’m in the west part of Las Cruces, NM. Received quotes with GEICO, Amica, Farmers, and Liberty Mutual for my 2013 Audi A7 and saved $557 a year. Was with GEICO. Have a couple speeding tickets too. I just quoted rates online.

  2. Evalyn Delgado

    Good detail in your article. I live on the east side of Baton Rouge, LA. Quoted prices online for a 2013 Audi A7. Ended up at about $300 savings annually. Went with 21st Century. Was with Hanover. I have kids on my policy, too. It’s easy to compare rates online now.

  3. Hellen Burks

    I’m in the east part of Fort Wayne, IN. I quoted with American Family, Mercury, and Travelers for my A7 and saved just over $260 a year. Left GMAC to switch. Switched homeowners coverage too. It never hurts to quote around.

  4. Eleonor Ballard

    Are Allstate rates cheap in West Virginia?

  5. Heriberto Schneider

    Cheap is relative. I’m in the west part of Albuquerque, NM. Don’t remember every company but I ended up saving about $60 each month. Left Mercury to switch.

  6. Gayle Cox

    Liked the article. Got a quote with GEICO for my Audi and cut my rates about $570 a year. I have a couple other vehicles on the policy. Did it all online.

  7. Fermin Winters

    Cheap is not always the best policy. Lifelong resident of Colorado Springs, Colorado. Got car insurance prices from American Family, Mercury, and USAA for my 2013 Audi A7 and am saving around $130 a year.

  8. Betty Albert

    From a town just southwest of Billings, MT. I compared lots of rates. Saved right around $50 a month. GEICO was the most affordable for me. Have a couple speeding tickets too. They have free quotes online.

  9. Shoshana Jones

    Here’s my info. Got a quote with American Family for my A7 and saved around $330 a year. I get lower rates because of my clean driving record.