Compare 2013 Audi A7 Insurance Quotes

Searching for lower car insurance rates for your Audi A7? Locating low-cost insurance for a new or used Audi A7 can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for car insurance so you’re going to learn the best way to compare rates on a Audi and locate the cheapest rates either online or from local insurance agents.

You may qualify for discounts

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be asked about before being credited. If you are not receiving all the discounts available, you’re just leaving money on the table.

• Distant Student – who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Student Discounts – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
• Driver Education Discount – Have your child enroll and complete driver’s education if offered at their school.
• Multiple Policy Discount – When you have multiple policies and place coverage with the same company you could save up to 20% off your total premium.
• Discount for Low Mileage – Driving less could be rewarded with slightly better prices than normal.
• Auto/Life Discount – Larger auto insurance companies have a discounted premium rate on car insurance if you buy a life insurance policy as well.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

To locate companies with significant discounts, click here.

The method we recommend to compare rates is to know most insurance companies participate in a system to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details such as an estimate of your credit level, whether or not you need a SR-22, level of coverage desired, and types of safety features. The data is automatically sent to insurance companies and you will get price comparisons instantly to find the best rate.

There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help highlight whether you might need an agent’s assistance.

• How can I get my company to pay me more for my totalled car?
• What can I do if my company won’t pay a claim?
• Does my policy cover my teen driver if they drive my company car?
• How much liability coverage do I need in my state?
• Does my medical payments coverage pay my health insurance deductible?
• Is my nanny covered when driving my vehicle?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

This coverage pays for damage to your A7 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, rock chips in glass, a tree branch falling on your vehicle and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Audi A7.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Liability auto insurance

This can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like doctor visits, prosthetic devices, nursing services and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Some insurance providers may not offer internet price quotes and usually these smaller companies only sell coverage through independent insurance agents. Lower-priced 2013 Audi A7 insurance can be purchased both online as well as from insurance agents, so you need to compare both so you have a total pricing picture.

You just learned a lot of ways to shop for 2013 Audi A7 insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, high prices, extreme rates for teen drivers or even being labeled a high risk driver. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.

More detailed insurance information can be found at these sites:

• Side Impact Crash Tests (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)