Compare 2016 Audi A7 Insurance Cost

Looking for cheaper auto insurance rates for your Audi A7? I can’t think of a single person who looks forward to buying auto insurance, especially knowing their premiums are through the roof.

With so many companies and agents to choose from, it can be diffult for consumers to find the lowest price provider.

This information will tell you the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Nevertheless, vehicle owners must learn how companies market insurance on the web and take advantage of how the system works.

Don’t miss out on these money-saving discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but a few need to be asked about prior to receiving the credit.

  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Bundle and Save – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Paperless Signup – Certain companies give back up to $50 simply for signing on their website.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

Insurance companies who might offer these money-saving discounts are:

Double check with each company which discounts they offer. Some discounts may not apply in your area.

Audi A7 insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that go into determining car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower car insurance prices.

Listed below are some of the items that factor into rates.

  • Do you know you’re credit rating? – A driver’s credit rating is a huge factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit can use some improvement, you could be paying less to insure your 2016 Audi A7 by improving your credit score.
  • Do you qualify for a multi-policy discount? – Many companies give discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
  • Rate your vehicle for proper use – The more miles you rack up on your Audi in a year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than those used for commuting. An improperly rated A7 may be wasting your money. Ask your agent if your car insurance policy is rated on how each vehicle is driven.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you. If your Audi A7 scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Lower rates come with age – Teenage drivers are statistically proven to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Liability coverage is cheap – Liability coverage will protect you if you are found liable for damages caused by your negligence. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your situation may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is UM/UIM insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Is there coverage for injuries to my pets?
  • Do I need PIP coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • How much underlying liability do I need for an umbrella policy?
  • How does medical payments coverage work?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Is there truth in advertising?

Companies like Progressive, Allstate and Geico regularly use ads in print and on television. All the ads have a common claim about savings if you move your coverage to them. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a preferred risk might be between the ages of 30 and 50, owns a home, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile will have to pay higher rates and ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims.

Because of the profiling, you should get quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest Audi A7 insurance rates.

Insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like funeral costs, dental work, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This coverage pays for damage to your A7 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage on a shoestring budget

Low-cost 2016 Audi A7 insurance is attainable online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability coverage limits only to regret at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

More detailed insurance coverage information is located at these sites: