Cheaper 2014 Audi A7 Insurance Rates

Searching for the cheapest auto insurance rates for your Audi A7? Are you sick and tired of being strong-armed to buy car insurance? You are no different than many other drivers. You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, having more car insurance companies makes it harder to find the best rates.

Complexity of Audi A7 insurance rates

It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Your location affects your rates – Being located in a small town can be a good thing when talking about auto insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Your spouse saves you money – Having a wife or husband can actually save you money when buying auto insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Better credit scores mean better rates – Your credit rating is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. So if your credit rating can use some improvement, you could pay less to insure your 2014 Audi A7 by improving your rating.
  • Where do you drive? – The higher the mileage driven every year the higher your rate. Most insurance companies apply a rate based on their usage. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money. If your policy improperly rates your A7 can cost quite a bit.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance might get you a license revocation or jail time.
  • Do you need the policy add-ons? – There are many extra coverages that you can buy when buying auto insurance. Things like personal injury protection, towing coverage and motor club memberships are some examples. These coverages may sound good at first, but if you don’t need them remove them from your policy.

How much can you save with discounts?

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Some trigger automatically when you complete an application, but a few must be asked for prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for A7 coverage with a few auto insurance companies.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if you qualify.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will help reduce the amount you have to pay.

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

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • Do all my vehicles need collision coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Should I carry comprehensive and collision coverage?
  • Which is better, split liability limits or combined limits?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, a broken windshield and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for things like surgery, hospital visits, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto liability

Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your A7 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2014 Audi A7.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

At the end of the day…

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability limits or collision coverage to discover at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

In this article, we presented a lot of information how to reduce 2014 Audi A7 insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with the smaller companies. These companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Cheap insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online quoting and these small insurance companies work with independent agents.

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