Lower Your 2014 Audi RS 7 Insurance Quotes

Did a good deal turn out to be overpriced insurance? Believe me when I say there are many consumers feeling the pinch from expensive insurance. Due to the fact that there are so many different company options, it can be hard to pick a lower cost company.

It’s a good idea to do price comparisons on a regular basis since rates trend upward over time. Despite the fact that you may have had the best deal for RS 7 insurance on your last policy you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the proper way to save money, get proper coverage and the best rates.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Consumers just need to understand the tricks to shop their coverage around online.

Compare quotes for insurance

Lowering your 2014 Audi RS 7 insurance rates can be quick and easy. All that’s required is to take the time comparing rate quotes provided by online insurance companies. It’s really simple and can be done using a couple different methods.

• The most recommended method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form entry for every insurance company. A single form compares rates from multiple companies.
• Another way to obtain and compare quotes online requires you to visit the website for every company you want to comare and fill out a new quote form. For instance, let’s say you want to get rates from Auto-Owners, Safeco and Allstate. To find out each rate you need to take the time to go to each site to enter your coverage information, which can be really labor intensive.

  To view a list of companies in your area, click here.

Whichever method you choose, be certain you are entering nearly identical information on every quote. If your comparisons have different coverage information it will be very difficult to determine the lowest rate for your Audi RS 7.

Auto Insurance Discounts

Some insurers don’t necessarily list all disounts in a way that’s easy to find, so we researched both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
• Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in high school.
• College Student – Kids who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower premium rates.
• Own a Home and Save – Simply owning a home can earn you a little savings because maintaining a house is proof of financial responsibility.
• Sign Online – Some of the larger companies will provide an incentive for buying your policy online.
• Driving Data Discount – Drivers who elect to allow their company to study their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.

You should keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut the cost of coverage.

Companies and some of the discounts are included below.

• Travelers policyholders can earn discounts including multi-car, payment discounts, student away at school, continuous insurance, new car, home ownership, and driver training.
• 21st Century has savings for anti-lock brakes, theft prevention, defensive driver, 55 and older, teen driver, and early bird.
• State Farm offers discounts for safe vehicle, student away at school, multiple policy, anti-theft, and good driver.
• Geico offers discounts including anti-theft, defensive driver, federal employee, multi-policy, multi-vehicle, and good student.
• SAFECO offers premium reductions for anti-theft, anti-lock brakes, homeowner, safe driver, accident prevention training, and teen safe driver.
• AAA discounts include AAA membership discount, good driver, pay-in-full, good student, education and occupation, anti-theft, and multi-car.

It’s a good idea to ask all the companies what discounts are available to you. Some of the earlier mentioned discounts may not be available in your state. For a list of providers who offer auto insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine if you would benefit from professional advice.

• Does my car insurance cover rental cars?
• Are rock chip repairs covered?
• How does medical payments coverage work?
• I have health insurance so do I need medical payments coverage?
• Does my 2014 Audi RS 7 need full coverage?
• Does my insurance cover a custom paint job?
• Should I carry comprehensive and collision coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Exactly who is provided coverage by my policy?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

What affects Audi RS 7 insurance rates?

Consumers need to have an understanding of a few of the rating criteria that go into determining your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs.

• Bad credit hurts insurance premiums – Credit rating is a big factor in determining what you pay. If your credit is lower than you’d like, you could potentially save money when insuring your 2014 Audi RS 7 by improving your rating. Consumers who have very good credit scores tend to file fewer claims than drivers with bad credit.
• Lower rates by increasing coverage deductibles – The deductibles tell how much the insured will be required to pay if you file a covered claim. Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims would be collision with another vehicle, hail damage, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for RS 7 insurance.
• Save by driving less – The more miles you rack up on your Audi in a year’s time the more you’ll pay to insure it. The majority of insurers calculate prices based on their usage. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is rated on the right rating data, because it can save money. Having an incorrect usage rating on your RS 7 may be costing you higher rates.
• Insure car and home with the same company – Lots of companies apply a discount to customers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to comparison shop to ensure the best deal. You may still be able to save even more than the discount by insuring with multiple companies.
• Your career may increase prices – Did you know that where you work can have an impact on rates? Jobs like doctors, business owners and accountants have higher rates than the rest of us in part from high stress levels and extremely grueling work hours. Conversely, occupations like professors, students and retirees generally pay rates lower than average for RS 7 insurance.
• Teen drivers pay higher rates – More experienced drivers are more cautious drivers, tend to file fewer claims , and are generally more financially stable.Inexperience drivers are statistically shown to be inattentive when driving so car insurance rates are higher.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Auto liability

Liability insurance will cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, structural damage, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi RS 7.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, funeral costs, dental work, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, vandalism, damage from a tornado or hurricane, damage from flooding and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

This pays for damage to your RS 7 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

One last thing about your coverage

The cheapest 2014 Audi RS 7 insurance is available online in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide online price quotes and many times these smaller providers sell through local independent agencies.

When getting insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

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

• Auto Insurance Basics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• How do I File a Claim? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)