2017 Audi A7 Insurance Cost

Car owners who are new to the process of buying auto insurance online are likely to find sourcing cheaper auto insurance to be a formidable task.

It is always a good idea to quote other rates before your policy renews because rates change quite often. Even if you think you had the lowest rate for A7 coverage at your last renewal a different company probably has better prices today. Ignore everything you know about car insurance because you’re going to get a crash course in the easiest way to lower your annual insurance bill.

The Audi A7 insurance premium equation

Many different elements are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, but other factors are not quite as obvious like your continuous coverage or how safe your car is.

The following are a partial list of the pieces used by your company to calculate your rates.

• Your gender affects rates – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men are in accidents in similar numbers, but the men tend to have more serious accidents. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.
• Job and insurance auto insurance rates – Did you know that where you work can have an impact on rates? Occupations such as military personnel, executives and miners tend to have higher premium rates in part from high stress and lengthy work days. On the flip side, jobs like scientists, historians and homemakers have the lowest average rates for A7 coverage.
• High credit scores save money – Having a bad credit history is likely to be a major factor in calculating your premium rate. Therefore, if your credit score is low, you may save money insuring your 2017 Audi A7 if you clean up your credit. Drivers with very high credit ratings tend to be better drivers and file fewer claims than those with lower ratings.
• Your liability coverage limits – Liability coverage is the protection if ever you are ruled to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
• Pleasure use saves money – Driving more miles in a year the more you will pay for auto insurance. Almost all companies rate vehicles based upon how the vehicle is primarily used. Vehicles not used for work or commuting can be on a lower rate level than vehicles that have high annual mileage. Make sure your auto insurance declarations sheet reflects how each vehicle is driven. Incorrect rating for your A7 is just wasting money.
• Your address can push rates up or down – Living in a small town has definite advantages when talking about auto insurance. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. Fewer drivers on the road means less chance of accidents and a lower car theft rate.
• Older drivers pay less – More mature drivers are more responsible, cost insurance companies less in claims , and are generally more financially stable.Young drivers are known to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
• Safety first – Safer cars tend to be cheaper to insure. These vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.

Free auto insurance quotes

Effectively comparing auto insurance prices can be exhausting if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could use the web to maximize your effort.

The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company returns a rated price based on that data. This prevents consumers from doing quotation requests for each company.

To find out what other companies charge click here (opens in new window).

The only downside to comparing rates this way is you don’t know exactly the providers you want to price. If you would rather choose individual companies to compare prices, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

Compare rates however you want, just make sure you compare the same quote information on every price quote you get. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Just remember that more quotes increases the change that you will find the best rates.

Auto insurance discounts help cut rates

The price of auto insurance can be rather high, but there could be available discounts that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but a few must be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your auto insurance.

• Bundle and Save – If you can combine your auto and homeowners policy with one company you may save up to 20% off your total premium.
• One Accident Forgiven – This one is not really a discount per se, but a few companies such as Allstate, State Farm and Geico will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
• Sign Online – Many insurance companies will give you a small discount for signing up on the internet.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks on a single policy could earn a price break for each car.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and a partial list of their discounts can be read below.

• Geico may offer discounts for daytime running lights, military active duty, defensive driver, good student, membership and employees, and multi-vehicle.
• USAA offers discounts for family discount, multi-vehicle, new vehicle, military installation, defensive driver, driver training, and good student.
• Progressive may include discounts for multi-policy, continuous coverage, online quote discount, multi-vehicle, and good student.
• American Family may have discounts that include mySafetyValet, good driver, air bags, good student, Steer into Savings, and bundled insurance.
• Esurance has discounts for paid-in-full, anti-theft, Pac-12 alumni, defensive driver, and anti-lock brakes.
• Farmers Insurance policyholders can earn discounts including pay in full, multi-car, business and professional, teen driver, homeowner, switch companies, and early shopping.
• State Farm has savings for safe vehicle, defensive driving training, driver’s education, passive restraint, multiple policy, and multiple autos.

When getting free auto insurance quotes, it’s a good idea to every insurance company which discounts they offer. Savings might not be offered on policies in your area. To see insurance companies that offer many of these discounts, click here to view.

Which is the best insurance coverage?

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you could use an agent’s help.

• Why am I required to buy liability insurance?
• Does my 2017 Audi A7 need full coverage?
• Am I covered when delivering products for my home-based business?
• Should I have combined single limit or split liability limits?
• When would I need additional glass coverage?
• Is a blown tire covered by insurance?
• Does my 2017 Audi A7 qualify for pleasure use?
• Am I covered by my spouse’s policy after a separation?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Insurance coverage basics

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, loss of income, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hail damage, a broken windshield, hitting a deer and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, doctor visits, surgery and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your A7 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Quote more. Save more.

Insureds leave their current company for any number of reasons including high rates after DUI convictions, denial of a claim, lack of trust in their agent and even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is easier than you think.

Cheaper insurance is definitely available on the web in addition to many insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and many times these small insurance companies provide coverage only through local independent agencies.

As you quote auto insurance, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Additional detailed information can be read by following these links:

• Determing Auto Insurance Rates (Geico)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Medical Payments Coverage (Liberty Mutual)