Compare 2016 Audi RS 7 Insurance Rates

Searching for lower car insurance rates for your Audi RS 7? Feeling guilty for buying high-priced car insurance? Believe me, many drivers have buyer’s remorse.

There is such a variety of car insurance companies to pick from, and even though it’s nice to have multiple companies, more options can take longer to compare company pricing.

Quote insurance online

There are a variety of methods to compare insurance quotes, and some are easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you can stay home and use the web for quick rates.

Most car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company then returns a price quote for coverage. This eliminates the need for quote requests to each individual insurance company.

To compare pricing click here to start a free quote.

The single downside to getting quotes like this is you can’t choose which providers to receive prices from. So if you want to choose specific providers to receive pricing from, we have assembled a list of insurance companies in your area. Click to view list.

The method you choose is up to you, but do your best to enter the exact same coverages and limits on every price quote you get. If you use different data it will be very difficult to make a fair comparison for your Audi RS 7. Just slight variations in coverage limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices increases your odds of finding better pricing. Some companies don’t provide price estimates online, so it’s recommended that you also compare price estimates from them as well.

Auto insurance policy discounts

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we break down both well-publicized and the more hidden credits available to you.

• Driving Data Discount – Policyholders that allow driving data collection to spy on where and when they drive by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• No Accidents – Drivers who stay claim-free pay less as opposed to policyholders that have many claims.
• Paper-free Discount – A few insurance companies provide a small discount for signing up digitally online.
• No Charge for an Accident – Not necessarily a discount, but companies like Progressive and Allstate may permit one accident before your rates go up if your claims history is clear for a set time period.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

If you would like to see a list of providers that offer some of these discounts, click here to view.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs might need professional guidance.

• Am I covered if hit by an uninsured driver?
• Am I covered if I crash into my own garage door?
• Should I rate my 2016 Audi RS 7 as pleasure use or commute?
• What if I owe more than I can insure my car for?
• Is my Audi RS 7 covered if I use it for business?
• Should I put collision coverage on all my vehicles?
• Do I need higher collision deductibles?
• Am I insured when driving a different vehicle?
• Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Audi RS 7 insurance costs can be reduced

Part of the insurance buying process is learning some of the factors that play a part in calculating your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that could result in much lower annual insurance costs.

• Liability is important – Your policy’s liability coverage will protect you when you are responsible for an accident. This coverage provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Better prices with anti-theft devices – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your car from being stolen.
• Eliminate unneeded extra coverages – There are a lot of add-on coverages that can waste your money on your insurance policy. Coverage for things like coverage for rental cars, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing initially, but your needs may have changed so consider taking them off your policy.
• Low mileage costs less – The more you drive your Audi in a year’s time the higher your rate. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks that sit idle most of the time receive lower rates than cars that get driven a lot. It’s a good idea to make sure your insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money. Having the wrong rating on your RS 7 may be wasting your money.
• Safer vehicles cost less to insure – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
• Raising comp and collision deductibles saves money – The deductibles state the amount of money you are willing to pay before your insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, animal collisions, and having a roll-over accident. The more money you’re willing to pay, the less your insurance will be for RS 7 insurance.
• File a claims and pay more – If you are the type of insured that files lots of claims don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies give better rates to drivers that do not abuse their auto insurance. Insurance coverage is intended for claims that pose a financial burden.

Educate yourself about car insurance coverages

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, doctor visits and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, repair costs for stationary objects, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, fire damage and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Audi RS 7.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

Collision insurance will pay to fix damage to your RS 7 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are too many instances where someone dropped full coverage and discovered at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Budget-friendly insurance coverage can be sourced from both online companies as well as from independent agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer internet price quotes and most of the time these smaller companies provide coverage only through independent agents.

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

• Avoiding Deer Collisions (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Auto Insurance Learning Center (State Farm)