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 5, 2015

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Searching for budget auto insurance can appear to be overwhelming for vehicle owners that are not comfortable with quoting and comparing and buying auto insurance over the internet. With more and more companies, how can you be able to compare all the different companies and get the cheapest available price?

You should take the time to price shop coverage as often as possible because insurance prices go up and down regularly. If you had the best rate on Q7 coverage on your last policy there may be better deals available now. There are a lot of ways to save on auto insurance on the internet, but in this article, you’re going to get some excellent ideas to buy auto insurance cheaper.

Verify you’re earning every discount

Some providers don’t list all their discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Senior Citizen Discount – Mature drivers are able to get lower premium rates on Q7 coverage.
  • Renewal Discounts – A few companies allow discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • College Student – Children living away from home attending college and do not take a car to college may be able to be covered for less.
  • Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Q7 coverage but check with your company.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
  • Discount for Home Ownership – Being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
  • Safety Course Discount – Participating in a course that instructs on driving safety can save you 5% or more if you qualify.
  • Discount for Multiple Policies – If you combine your auto and home policies with one company you may earn nearly 15% which can help you find low cost insurance coverage.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky.

Companies who may offer some of the discounts shown above possibly include:

Before you buy a policy, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to view insurers that offer multiple discounts, click here.

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

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How to find low cost insurance coverage

There are several ways to shop for insurance coverage, and some are easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you can utilize the web to get prices fast.

Many companies participate in an industry program where prospective buyers complete one form, and each participating company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To compare pricing click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose which insurance companies you want pricing from. So if you want to select specific insurance companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to enter exactly the same coverage limits and deductibles for every company. If you enter differing limits it will be impossible to determine the best price for your Audi Q7. Just a small difference in limits can result in a big premium difference. And when comparing insurance coverage rates, know that getting more free quotes provides better odds of finding more affordable insurance.

When should I discuss my situation with an agent?

When choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • How much liability insurance is required?
  • Will filing a claim cost me more?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Be skeptical of car insurance ads

Car insurance providers like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all make the same claim that people will save if you change to their company. How does each company make the same claim?

Car insurance companies can use profiling for the type of customer that earns them a profit. For example, this type of driver could possibly be between the ages of 30 and 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Any new insured who fits that profile gets the lowest rates and will most likely save a lot of money.

Potential insureds who don’t qualify for the ideal profile may receive higher rates which results in the customer not buying. Company advertisements say “people who switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can confidently state the savings. This really drives home the point why drivers must quote coverage with many companies. You cannot predict which car insurance company will provide you with the cheapest rates.

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

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Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage, damage from a tornado or hurricane and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Audi Q7.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, loss of income and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage covers damage to your Q7 caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, pain medications, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

In this article, we covered a lot of techniques to compare 2008 Audi Q7 insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting low cost insurance coverage. You may even discover the lowest prices come from the smaller companies.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

Insureds leave their current company for any number of reasons including denial of a claim, policy cancellation, an unsatisfactory settlement offer and delays in responding to claim requests. It doesn’t matter what your reason, switching companies can be easier than you think.

Additional detailed information is located by following these links: