2015 Audi Q7 Insurance Rates – 7 Tips to Save

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive car insurance.

Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to get the best price available.

Low Cost Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The fastest way to compare 2015 Audi Q7 insurance prices involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form entry to each individual car insurance company. One simple form will return price quotes from multiple companies.
  2. A harder way to compare prices requires visiting the website for every company you want to comare and complete a new quote form. For examples sake, let’s assume you want rates from State Farm, Progressive and Farmers. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

However you get your quotes, make absolute certain that you use identical coverage limits for each comparison quote. If you compare mixed coverages it will be impossible to determine the lowest rate for your Audi Q7. Slightly different coverage limits may result in large price differences. And when comparing car insurance rates, know that having more price comparisons will improve the odds of getting the best rates.

Advertising myths

Auto insurance providers like Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. They all make the same claim about savings after switching your coverage to them. How can each company say the same thing? It’s all in the numbers.

All companies have a certain “appetite” for the driver that is profitable for them. For instance, a preferred risk might be over the age of 50, has no driving citations, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who do not match this ideal profile must pay more money which leads to business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can state the savings. This illustrates why drivers must compare many company’s rates. Because you never know which auto insurance company will give you the biggest savings on Audi Q7 insurance.

Take these seven discounts and save

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find some of the best known and the more hidden auto insurance savings.

  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Q7 coverage with select insurance companies.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Q7 coverage than their less cautious counterparts.
  • Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether you will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Am I covered when driving in Canada or Mexico?
  • Does my 2015 Audi Q7 qualify for pleasure use?
  • Should I have a commercial auto policy?
  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like hospital visits, EMT expenses, rehabilitation expenses, chiropractic care and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle and theft. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays for damage to your Q7 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Auto liability

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as bail bonds, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Audi Q7.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Compare but don’t skimp

Throughout this article, we presented many ways to shop for 2015 Audi Q7 insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the most savings is with some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Geico and State Farm.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. In many instances, someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at an affordable rate.

The cheapest insurance is definitely available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

To read more, feel free to browse the articles below: