Lower Your 2014 Audi S7 Insurance Rates

Want better insurance rates for your Audi S7? Paying for overpriced Audi S7 insurance can bleed your budget and force you to prioritize other expenses. Comparing cost estimates can save money and help to make sure you’re not throwing money away.

Since consumers have many companies to choose from, it can be diffult for drivers to choose the lowest cost insurance company.

You need to take a look at other company’s rates once or twice a year because insurance rates tend to go up over time. Even if you got the lowest premium rates for S7 coverage on your last policy a different company probably has better prices today. Forget anything you know (or think you know) about insurance because I’m going to teach you how to use online quotes to find lower rates on insurance.

Pay discount rates with these discounts

Not too many consumers would say insurance is affordable, but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few must be manually applied prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be saving more on your insurance.

• Telematics Data Discounts – Insureds that choose to allow their company to study driving patterns by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
• Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates for S7 coverage than drivers with accident claims.
• Savings for New Vehicles – Buying a new car instead of a used car can get you a discount since new vehicles have better safety ratings.
• Senior Discount – Seniors are able to get a small decrease in premiums for S7 coverage.
• Passive Restraints and Air Bags – Vehicles with factory air bags may get savings up to 30%.
• Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.
• Early Signing – Select insurance companies give a discount for renewing your policy before your current coverage expires. You may see this discount when you get insurance coverage quotes online.

As a footnote on discounts, some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will reduce the premium cost.

To see a list of insurers that have a full spectrum of discounts, click here to view.

Your situation helps dictate your coverage

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need professional guidance.

• Can my teen drive my company car?
• Am I covered when pulling a rental trailer?
• Are split liability limits better than a combined single limit?
• Does my personal policy cover me when driving out-of-state?
• Do I benefit by insuring my home with the same company?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What vehicles should carry emergency assistance coverage?
• Am I missing any policy discounts?
• Does my policy pay for OEM or aftermarket parts?
• What is medical payments coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Is there deception in advertising?

Popular insurance providers such as Allstate, Geico and Progressive endlessly run television, radio, and online ads. All the companies tend to make the same promise about savings just by switching your coverage to them. How is it possible that every company can save you money?

All companies have a certain “appetite” for the type of insured that earns them the most money. For instance, a profitable insured may be between 25 and 40, has no claims, and has a short commute. Any customer that matches those criteria will most likely get cheap prices as well as save if they switch.

People who are not a match for those criteria must pay higher prices and the customer not buying. Company advertisements say “customers that switch” not “all people who quote” save money. That’s the way insurance companies can lure you into getting a quote. Because of the profiling, drivers should compare many company’s premium rates. It’s not possible to predict the company that will be your best fit.

Auto insurance coverages

Knowing the specifics of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

This pays for damage to your S7 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, falling objects and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like ambulance fees, dental work, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not 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 might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Be a penny pincher

Throughout this article, we presented quite a bit of information on how to reduce 2014 Audi S7 insurance rates online. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your auto insurance rates. You may even find the most savings is with some of the lesser-known companies. Regional companies often have lower auto insurance rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

When you buy insurance coverage online, make sure you don’t buy poor coverage just to save money. Too many times, someone sacrificed full coverage only to regret that they should have had better coverage. Your goal should be to buy enough coverage at an affordable rate and still be able to protect your assets.

More information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Airbag FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)