Compare 2014 Audi RS 7 Car Insurance Quotes

Overpriced Audi RS 7 insurance can dwindle your checking account and put a big crunch on your finances. Comparison shopping is a smart way to make sure you’re not throwing money away.

Lots of insurance companies contend for your business, so it’s not easy to compare every provider and uncover the absolute best rates possible.

Smart consumers take time to compare rates periodically because prices are usually higher with each renewal. Even if you got the best deal for RS 7 coverage a couple years back you can probably find a better price now. So ignore everything you know about insurance because it’s time to teach you how to quote online to find lower rates on insurance.

Discounts are basically free money

Car insurance can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically at the time of purchase, but less common discounts must be requested specifically before being credited.

  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates for RS 7 coverage.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Early Signing – Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in your area.

The easiest way to compare car insurance company rates is to know the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. To get started, all you need to do is provide information including the ages of drivers, if a SR-22 is needed, what you do for a living, and if it has an alarm system. The data is instantly sent to many different companies and they provide comparison quotes very quickly.

Your Audi RS 7 insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Liability insurance protects assets – Liability coverage will protect you if ever you are found liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Older drivers pay less – Youthful drivers have a tendency to be careless and easily distracted when driving so car insurance rates are higher. Parents adding a young driver onto your car insurance can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. Safe vehicles reduce injuries and fewer injuries means lower claim amounts and thus lower rates. If the Audi RS 7 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive car insurance rates.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Having a spouse can get you a discount when buying car insurance. It usually means you are more mature and responsible and statistics show married drivers get in fewer accidents.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • What if I total my 2014 Audi RS 7 and owe more than it’s worth?
  • Are rental cars covered under my policy?
  • What if I don’t agree with a claim settlement offer?
  • What discounts do I qualify for?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Liability coverage – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, pain and suffering, structural damage and medical services. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses such as hospital visits, pain medications, ambulance fees, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This coverage covers damage to your RS 7 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, driving through your garage door, colliding with a tree, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Audi RS 7.

Due to the fact that many drivers 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 is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Make an honest buck

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Budget-conscious 2014 Audi RS 7 insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

You just read a lot of ways to reduce insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the best prices are with a small local company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Even more information can be found at these sites: