2015 Audi A7 Insurance Quotes – 9 Ideas for Best Rates

Want the cheapest insurance rates for your Audi A7? Trying to find the cheapest insurance for an Audi A7 can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to compare insurance rates and you need to know the proper way to price shop coverage for a new or used Audi and obtain the best price possible either online or from local insurance agents.

You need to check insurance prices once or twice a year because insurance rates are rarely the same from one policy term to another. Even if you got the best rates on A7 coverage last year there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the web, but we’re going to give you a lot of great tips on how to reduce your insurance bill.

Finding the lowest cost insurance coverage coverage is quite easy. If you are insured now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Vehicle owners only need an understanding of the best way to compare rates on the web.

Insurance Coverage Comparison Rates

Comparing insurance coverage rates is a ton of work if you aren’t aware of the best way to get rate quotes. You could waste a few hours driving to local insurance agents in your area, or you could use the internet to quickly compare rates.

The majority of car insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and each participating company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To submit your quote information now, click here to open in new window.

One minor caviat to pricing coverage this way is you can’t choose the companies to get pricing from. If you would rather choose individual companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click to view list.

Whichever way you use, be sure to compare identical coverage information for every company. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Audi A7.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before being credited. If you aren’t receiving every discount possible, you are throwing money away.

  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of more than 20%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates on your policy on A7 coverage.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
  • Homeowners Savings – Owning a house can save you money because owning a home demonstrates responsibility.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up online.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will cut your overall premium however.

Car insurance companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not apply in your area.

What coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions may help you determine if you might need professional guidance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Will my insurance pay for OEM parts?
  • Will I lose any money if I cancel my policy before it expires?
  • What is medical payments coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How does medical payments coverage work?
  • I don’t drive much so do I pay less?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Learning about specific coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Audi A7.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Collision insurance

This coverage covers damage to your A7 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, rock chips in glass, theft, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, medical services, court costs, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for dental work, nursing services and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Affordable insurance is out there

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured dropped full coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best price.

Cheap 2015 Audi A7 insurance is possible on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

You just learned many ways to lower your insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with an unexpected company.

Much more information about insurance is located on the following sites: