Cheaper 2014 Audi allroad Car Insurance Rates

Trying to find lower insurance rates for your Audi allroad? Perplexed by the number of insurance choices? You have a lot of company. People have so many options available that it can quickly become a real challenge to find lower rates.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but some must be requested specifically in order for you to get them.

  • Life Insurance Discount – Some companies give lower rates if you buy life insurance.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Low Mileage Discounts – Fewer annual miles on your Audi could be rewarded with better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on insurance on allroad coverage.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Check with every prospective company which discounts they offer. Savings may not be available in your area.

Cheap Insurance Coverage Comparisons

There are multiple methods to shop for 2014 Audi allroad insurance coverage, but one way is less labor-intensive and much quicker. You could waste a few hours talking to agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program where prospective buyers complete one form, and each participating company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions for each company.

To compare pricing click here (opens in new window).

The only drawback to comparing rates this way is that consumers can’t choose the providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same quote information on every quote you get. If you are comparing different limits and deductibles on each one it will be next to impossible to make an equal comparison. Having just a slight variation in insurance coverages can make a big difference in price. And when price shopping your coverage, having more price comparisons will improve the odds of getting the best offered rates.

What is the best insurance coverage?

When choosing coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Is my custom paint covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 2014 Audi allroad?
  • Do I need special endorsements for business use of my vehicle?
  • How many claims can I have before being cancelled?
  • Are rock chip repairs covered?
  • Is business property covered if stolen from my car?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Learning about specific coverages of car insurance helps when choosing the best coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage – Collision insurance will pay to fix damage to your allroad resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, rolling your car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, X-ray expenses and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2014 Audi allroad.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability coverages – This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three 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 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, pain and suffering and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save for a rainy day

People switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent or even poor customer service. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many situations where someone dropped physical damage coverage to discover at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate.

Lower-priced 2014 Audi allroad insurance is attainable on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

More information is located on the following sites: