2016 Audi RS 7 Car Insurance Quotes – 6 Ways to Save

Searching for the cheapest insurance rates for your Audi RS 7? Finding affordable insurance is difficult for people who are new to buying insurance online. Consumers have so many companies to choose from that it can turn into more work than you anticipated to compare prices.

Compare Quotes for Insurance

When shopping for insurance there are multiple ways to get quotes from local insurance companies. By far the easiest way to find the lowest 2016 Audi RS 7 rates is to get quotes online. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form entry for every insurance company. One quote request will return price quotes from many national carriers. It’s the fastest way to compare.
  2. Another way to get quotes online consists of visiting each individual company website and fill out their own quote form. For examples sake, let’s say you want rates from State Farm, Liberty Mutual and American Family. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you use the exact same quote information on every quote. If the quotes have different deductibles you will not be able to decipher which rate is best. Having just a slight variation in insurance coverages could mean much higher rates. And when quoting insurance, remember that more quotes will improve the odds of getting the best offered rates.

Save big with these six discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

To see a list of companies with the best insurance discounts, click this link.

But I don’t know anything about car insurance

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions might help in determining if you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I file an SR-22 for a DUI in my state?
  • What is roadside assistance coverage?
  • What is no-fault insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my 2016 Audi RS 7 qualify for pleasure use?
  • Do I need more liability coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When can I cancel my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Learn about auto insurance coverages for a 2016 Audi RS 7

Knowing the specifics of auto insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This pays for damage to your RS 7 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox, scraping a guard rail, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – This will cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, medical expenses, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like dental work, surgery and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi RS 7.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.