2013 Audi A7 Insurance Rates – 5 Tips for Best Quotes

Want lower car insurance rates for your Audi A7? Feel like you’re a prisoner to high-priced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Lots of insurers contend to insure your vehicles, so it’s not easy to compare every provider to find the cheapest price

The method we recommend to compare insurance rates in your area is to realize most of the bigger providers have advanced systems to give free rates quotes. The one thing you need to do is give the companies some data such as what your job is, how much school you completed, how much coverage you want, and if you are currently licensed. That rating information is sent automatically to many highly-rated insurers and they return cost estimate very quickly.

Cut your premium with these five discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but some may not be applied and must be asked about before they will apply.

Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
No Accidents – Good drivers with no accidents pay less when compared to bad drivers.
Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

For a list of insurers with the best auto insurance discounts, click this link.

What is the best insurance coverage?

When choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs may require specific advice.

Will I lose any money if I cancel my policy before it expires?
Should I buy additional glass protection?
What if I total my 2013 Audi A7 and owe more than it’s worth?
Should I have combined single limit or split liability limits?
Does medical payments coverage apply to all occupants?
Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, pain medications, ambulance fees, funeral costs and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage

This covers damage to your A7 from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Audi A7.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, vandalism, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.