2017 Audi RS 7 Insurance Quotes – 10 Ways to Save

Looking for lower insurance coverage rates for your Audi RS 7? If you’re trying to find lower-cost insurance online, are you confused by the wide range of insurance coverage companies? Many other drivers are as well. Vehicle owners have so many choices that it can be hard work to find the lowest price.

Don’t overlook these ten insurance discounts

Insurance is easily one of your largest bills, but there’s a good chance there are discounts to help bring down the price. Many of these discounts will be applied automatically at quote time, but a few must be requested specifically prior to getting the savings. If you aren’t receiving every discount available, you are just wasting money.

• Sign Early and Save – Some larger companies provide a discount for switching companies before your current policy expires. This discount can save up to 10%.
• Multiple Cars – Buying coverage for all your vehicles on a single policy can get a discount for every vehicle.
• Anti-theft Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• Senior Citizen Discount – Mature drivers may be able to get reduced rates for RS 7 coverage.
• Responsible Driver Discount – Safe drivers may receive a discount up to 45% for RS 7 coverage than drivers with accidents.
• Data Collection Discounts – Insureds that choose to allow their insurance company to spy on driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
• Discounts for New Vehicles – Putting insurance on a new car can be considerably cheaper since newer vehicles have better safety ratings.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

Popular insurance companies and a selection of discounts are outlined below.

• Farm Bureau may offer discounts for safe driver, 55 and retired, driver training, multi-policy, youthful driver, and multi-vehicle.
• MetLife policyholders can earn discounts including defensive driver, multi-policy, accident-free, claim-free, good driver, good student
• Progressive may have discounts that include multi-policy, online signing, homeowner, continuous coverage, good student, and online quote discount.
• AAA offers discounts including AAA membership discount, good student, good driver, education and occupation, and multi-policy.
• American Family includes discounts for early bird, mySafetyValet, defensive driver, air bags, and Steer into Savings.
• Geico offers premium reductions for emergency military deployment, military active duty, anti-theft, seat belt use, multi-vehicle, defensive driver, and daytime running lights.
• State Farm offers discounts for good driver, student away at school, Drive Safe & Save, passive restraint, good student, and accident-free.

When comparing rates, check with all the companies which discounts they offer. All car insurance discounts might not be offered on policies in your area. If you would like to see a list of insurance companies that have a full spectrum of discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

When to get professional advice

When buying the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if you will benefit from professional help.

• Can my teen driver be rated on a liability-only vehicle?
• Does coverage extend to my business vehicle?
• Am I covered when driving on a suspended license?
• Is my business laptop covered if it gets stolen from my vehicle?
• What if I total my 2017 Audi RS 7 and owe more than it’s worth?
• Does liability extend to a camper or trailer?
• Am I covered if I hit my neighbor’s mailbox?
• Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Big names are not always cheapest

Respected companies like State Farm and Allstate continually stream ads in print and on television. They all say the same thing that you can save if you just switch to their company. How does each company claim to save you money? Here is how they do it.

Insurance coverage companies quote their best rates for the type of customer they prefer to insure. For instance, a profitable insured may be between the ages of 30 and 50, has no claims, and drives a lower-performance vehicle. Anybody that fits those parameters will probably get the lowest car insurance rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not match this stringent profile will be charged a higher premium with the end result being the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” can save as much as they claim. This is how companies can make those claims.

This really drives home the point why drivers must quote coverage with many companies. It is impossible to guess which insurance coverage company will have the best rates for your profile.

Coverages available on your insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, vandalism, damage from a tornado or hurricane, fire damage and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for surgery, nursing services, funeral costs and rehabilitation expenses. They can be 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 as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, medical expenses and emergency aid. How much coverage you buy is a personal decision, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi RS 7.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Be Smart and Buy Smart

More affordable insurance is available on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and these smaller providers only sell through independent agents.

We just covered many ways to lower your 2017 Audi RS 7 insurance premium rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with some of the lesser-known companies.

Consumers leave their current company for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, extreme rates for teen drivers or even high prices. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Additional insurance information is located at the links below

• What is Gap Insurance? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption