Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 27, 2017

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Searching for better auto insurance rates for your Audi Coupe? Having to pay for high-priced Audi Coupe insurance can dry up your checking account and put the squeeze on your family’s finances.

Companies like State Farm, GEICO and Farmers Insurance continually bombard you with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. But drivers can benefit by having an understanding of the way insurance companies sell insurance online.

Shop insurance online

To find the best insurance quotes, there are several ways to compare rate quotes from many different insurance companies. The easiest way by far to comparison shop is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. One of the best ways consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. One simple form gets you price quotes from insurance companies with the best prices.
  2. A less efficient way to get comparison quotes requires visiting each company’s website and fill out a new quote form. For sake of this example, let’s assume you want to compare prices for USAA, Liberty Mutual and American Family. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use the exact same coverage data for every quote you compare. If each company quotes different values for each quote it will be next to impossible to find the best deal for your Audi Coupe. Having just a slight variation in coverages may result in large price differences. Just keep in mind that quoting more helps improve the odds of finding a lower rate.

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

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Do you qualify for discount car insurance?

Insurance can be prohibitively expensive, but you might be missing out on some discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied before you will receive the discount. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and make you a better driver.
  • Sign Online – Many larger companies will provide an incentive for signing up over the internet.
  • Multiple Vehicles – Buying a policy with all your vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Accident Waiver – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without the usual rate increase if you are claim-free prior to the accident.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Discount for Multiple Policies – If you can combine your home and auto policy with the same insurance company you may save as much as 10 to 15 percent.
  • Discount for Home Ownership – Being a homeowner can help you save on car insurance because owning a home means you have a higher level of financial diligence.
  • Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way. Any qualifying discounts will definitely reduce the amount you have to pay.

Popular car insurance companies and a partial list of their discounts are included below.

  • State Farm has savings for defensive driving training, good driver, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, multiple autos, and student away at school.
  • Esurance policyholders can earn discounts including online quote, good driver, renters, good student, emergency road assistance, online shopper, and Pac-12 alumni.
  • Progressive may include discounts for multi-vehicle, online quote discount, homeowner, multi-policy, and good student.
  • Liberty Mutual offers discounts including multi-policy, new vehicle discount, hybrid vehicle, multi-car, exclusive group savings, and newly married.
  • Auto-Owners Insurance has discounts for company car, good student, safe vehicle, paperless, multiple vehicles, paid in full, and anti-lock brakes.
  • GEICO discounts include daytime running lights, driver training, federal employee, emergency military deployment, five-year accident-free, defensive driver, and air bags.

If you need the cheapest insurance coverage quotes, ask every company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To view insurers who offer discounts, click this link.

What insurance coverages do I need?

When choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Does coverage extend to Mexico or Canada?
  • Am I getting all the discounts available?
  • What is roadside assistance coverage?
  • Why am I required to buy liability insurance?
  • Is a fancy paint job covered?
  • Does coverage extend to a rental car in a foreign country?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages

Understanding the coverages of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, fire damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Coupe resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, nursing services, surgery, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Audi Coupe.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.