View 2013 Audi A7 Insurance Rates

Trying to find cheaper auto insurance rates for your Audi A7? No one in their right mind looks forward to buying auto insurance, especially knowing their premiums are too high. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Elements that influence Audi A7 insurance rates

An important part of buying insurance is that you know the factors that help determine your insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with better insurance coverage rates.

The following are some of the items that factor into rates.

  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a quick way to trigger a rate increase. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can buy on your A7 policy. Things like roadside assistance, towing coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Liability insurance protects assets – Liability coverage is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Claim-free discounts can add up – Car insurance companies provide discounts to policyholders who do not file claims often. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Car insurance is designed for major claims that would cause financial hardship.
  • What are your deductibles? – Your deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. The more money you are required to pay out-of-pocket, the less your insurance coverage will be for A7 insurance.
  • Marriage brings a discount – Having a spouse can get you a discount on your insurance coverage policy. Having a significant other means you’re more mature it has been statistically shown that married couples file fewer claims.
  • Big city or small town – Being located in less populated areas is a positive aspect when insuring your vehicles. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities regularly have more traffic problems and longer commutes to work. Higher commute times translates into higher accident risk.

How to Get Cheap Insurance Coverage

Finding a better price on insurance coverage is surprisingly easy. Consumers just need to spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for every insurance coverage company. Taking the time to complete one form will return price quotes instantly.

A more time consuming way to analyze rates requires a trip to each individual company website and complete a new quote form. For example, we’ll assume you want rates from Nationwide, Liberty Mutual and Progressive. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, make sure you use the exact same coverage information for every quote you compare. If you use higher or lower deductibles you will not be able to make an equal comparison.

Is there deception in advertising?

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. All the companies have a common claim that you’ll save big if you move your policy.

But how can every company make the same claim?

Different companies can use profiling for the right customer that is profitable for them. A good example of a profitable customer might be profiled as over the age of 50, has no prior claims, and has excellent credit. A customer getting a price quote who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will have to pay higher premiums and this can result in business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can advertise the savings.

Because of the profiling, it’s extremely important to get quotes from several different companies. It’s impossible to know the company that will fit your personal profile best.

Don’t miss out on these money-saving discounts

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Most are applied at the time of quoting, but some must be asked for before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for A7 insurance depending on your company.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% for A7 insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

It’s important to understand that some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.

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

Check with every prospective company which discounts you may be entitled to. Discounts might not be offered in your area.

Do I need special coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out if you may require specific advice.

  • If my 2013 Audi A7 is totaled, can I afford another vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage if my license is suspended?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need more liability coverage?
  • When would I need additional glass coverage?
  • How do I file an SR-22 for a DUI in my state?
  • What is PIP insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Auto liability

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, emergency aid, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2013 Audi A7.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Collision coverage

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

Collision insurance covers claims like sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, damage from a tornado or hurricane, a broken windshield and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses for things like surgery, doctor visits, chiropractic care and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

More choices the merrier

We just showed you many ways to lower your 2013 Audi A7 insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from an unexpected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at a price you can afford.

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