2018 Audi A7 Insurance Rates – 8 Discounts for Cheaper Quotes

Want lower insurance coverage rates for your Audi A7? Did you make the mistake of buying high-priced insurance coverage? Trust us when we tell you there are lots of people in the same boat. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the cheapest price

It’s smart to check insurance coverage prices on a regular basis because prices are constantly changing. If you had the best price on A7 coverage a couple years back other companies may now be cheaper. You can find a lot of wrong information about insurance coverage online, but you can learn some excellent ideas to lower your insurance coverage premiums.

If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to understand how to shop for car insurance over the internet.

How to shop auto insurance online

Comparing auto insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to local insurance agents in your area, or you could use the web to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company returns a competitive quote for coverage. This eliminates the need for quote forms for each company you want a rate for.

To compare pricing click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify the providers to receive prices from. So if you want to select specific providers to compare, we have a listing of auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use apples-to-apples coverages on every quote you get. If you compare different coverage information it’s impossible to make a fair rate comparison.

Drivers save money with these eight discounts

Car insurance companies don’t necessarily list every possible discount very clearly, so the following is a list of some of the more common as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Save over 55 – Drivers over the age of 55 can possibly qualify for a discount up to 10% on A7 coverage.
  • No Charge for an Accident – but a few companies such as Libery Mutual, GEICO and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
  • Lower Rates for Military – Being deployed in the military could qualify you for better prices.
  • Discounts for New Vehicles – Putting insurance on a new car can get you a discount since new vehicles are generally safer.
  • Defensive Driving Course – Taking part in a defensive driver class could save 5% or more and easily recoup the cost of the course.
  • Paper-free Discount – A few larger companies may give you up to $50 for buying your policy over the internet.

Discounts save money, but please remember that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

Some of the insurance companies that may include many of the previously listed discounts include:

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the discounts discussed earlier may not be available in every state.

Special considerations

When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining if your insurance needs will benefit from professional help.

  • How much can I save by bundling my policies?
  • Should I sign the liability waiver when renting a car?
  • What can I do if my company won’t pay a claim?
  • Is my teen driver covered when they drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Collision coverages – Collision coverage covers damage to your A7 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, fire damage and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, chiropractic care, funeral costs, rehabilitation expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance can cover damage that occurs to people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $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. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Audi A7.

Since 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 important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.