Compare 2018 Audi S7 Insurance Rates

Trying to find low-cost insurance for a new or used Audi S7 can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for insurance and you need to know the absolute fastest way to compare rates for a new or used Audi and locate the cheapest rates from both online companies and local agents.

You should make it a habit to do rate comparisons on a regular basis due to the fact that insurance prices trend upward over time. If you had the best rates on S7 insurance last year there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best methods to eliminate unnecessary coverages and save money.

Discounts to earn cheaper insurance coverage rates

Car insurance is not cheap, but you might be missing out on some discounts that can help lower your rates. Certain reductions will be credited at quote time, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Telematics Discount – Drivers that enable driving data submission to look at driving patterns by using a telematics device like Allstate’s Drivewise might see lower rates if they have good driving habits.
  • Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% on S7 insurance with a few insurance coverage companies.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings because owning a home is proof that your finances are in order.
  • Driver Training Discounts – Completing a safe driver class could earn you a small percentage discount and easily recoup the cost of the course.
  • Buy New and Save – Insuring a new car may earn a small discount due to better safety requirements for newer models.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

A list of companies and the discounts they provide are detailed below.

  • State Farm offers discounts including good driver, accident-free, good student, safe vehicle, defensive driving training, anti-theft, and Drive Safe & Save.
  • American Family policyholders can earn discounts including TimeAway discount, bundled insurance, good driver, good student, multi-vehicle, air bags, and mySafetyValet.
  • Geico may offer discounts for emergency military deployment, federal employee, anti-theft, military active duty, daytime running lights, good student, and driver training.
  • 21st Century has savings for theft prevention, anti-lock brakes, automatic seat belts, student driver, defensive driver, early bird, and 55 and older.
  • Progressive discounts include good student, continuous coverage, online signing, multi-vehicle, online quote discount, and homeowner.

If you need the cheapest insurance coverage quotes, ask each company or agent which discounts you qualify for. Savings might not be offered on policies in your area. To locate insurance coverage companies that offer multiple discounts, click here.

How to buy auto insurance

All the larger auto insurance companies make it easy to get pricing online. Getting online quotes is fairly straightforward as you just enter your personal and coverage information into a form. Once entered, their rating system pulls your credit score and driving record and returns pricing information.

Online quotes simplifies rate comparisons, but the time required to go to several different sites and type in your information is a big time waster. But it’s necessary to do this if you want to get a better rate.

Keep reading for an easier way to compare prices

A better way to lower your auto insurance bill uses one simple form that obtains quotes from several different companies. It’s a real time-saver, reduces the work, and makes online quotes much more efficient. Once the form is submitted, it is rated and you can select any one of the returned quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To quickly get comparison pricing now, click here and submit your coverage information. To compare your current rates, we recommend you type in the insurance coverages as shown on your current policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you might need professional guidance.

  • What is the ISO rating for a 2018 Audi S7?
  • Should I sign the liability waiver when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • Can I rent a car in Mexico?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, medical services and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses like prosthetic devices, dental work, pain medications, funeral costs and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, fire damage, hitting a bird, theft and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, crashing into a ditch, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Be a smart shopper

Cheap 2018 Audi S7 insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide rates over the internet and many times these smaller providers provide coverage only through independent agencies.

Drivers switch companies for a variety of reasons including poor customer service, not issuing a premium refund, delays in responding to claim requests or even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance provider is easier than you think.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your goal is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

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Comments About 2018 Audi S7 Insurance

  1. Sandra Carr

    $100 to anyone who understands their policy.

  2. Gregg Sosa

    IMHO Kailua, Hawaii seems to have good rates from GEICO.

  3. Tanja Duncan

    Nice post. I’m in the south part of Philadelphia, PA. Got quotes with 21st Century, Auto-Owners, and some I forget for my Audi and saved just over $420 a year.

  4. Krystal Ward

    I went with Allstate at renewal. Best rates in Cleveland, OH. They offer free online rate quotes.

  5. Curtis Rollins

    In Boise, ID, Amica had the best rates for my 2018 Audi S7. I even had a DUI years ago.