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: May 22, 2018

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Getting cheap car insurance online can appear to be intimidating for drivers new to comparing prices on the internet. With so many online companies available, how can anyone have the ability to compare every company in order to find the cheapest available price?

How insurance companies calculate Audi Q7 insurance rates

Many things are used when quoting car insurance. Some factors are common sense such as traffic violations, but other factors are not quite as obvious such as whether you are married or your vehicle rating.

Shown below are some of the factors companies use to determine your premiums.

  • Safety ratings are a factor – Safe vehicles tend to be cheaper to insure. Safe vehicles reduce injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates. If your Audi Q7 has ratings of a minimum four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Reserve insurance coverage claims for larger damages – Auto insurance companies provide the best rates to drivers who file claims infrequently. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • How many miles do you drive? – The more miles you rack up on your Audi each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Verify your insurance coverage policy correctly shows the right rating data, because improper ratings can cost you money. An incorrectly rated Q7 may be wasting your money.
  • Insurance rates for married couples – Being married actually saves money on your insurance coverage policy. Marriage generally demonstrates drivers are less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.
  • Decrease prices by maintaining coverage – Letting your insurance expire is a guaranteed way to pay more for insurance coverage. In addition to paying higher premiums, the inability to provide proof of insurance might get you fines and jail time.
  • Don’t skimp on liability coverage – The liability coverage on your policy will afford coverage if ever you are responsible for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Drivers with responsible credit save – Having a good credit score will be a significant factor in your rate calculation. People that have excellent credit tend to be less risk to insure than those with poor credit scores. If your credit rating can be improved, you could save money insuring your 2010 Audi Q7 by improving your credit score.

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Take advantage of every insurance coverage discount

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you get a quote, but some discounts are required to be specially asked for before being credited.

  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote when compared to insureds who have frequent claims or accidents.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may get savings of 25 to 30%.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Q7 insurance with certain companies.
  • Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% for Q7 insurance compared to rates paid by drivers with frequent claims.
  • Defensive Driver Discounts – Taking part in a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could save nearly 15% which can help you find the cheapest insurance.
  • Organization Discounts – Having an affiliation with a professional or civic organization is a simple method to lower premiums on insurance coverage.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the insurance companies that have some of the discounts shown above possibly include:

Before buying, ask each company or agent how you can save money. Some discounts may not apply to policyholders in your area. To choose companies with discount insurance coverage rates, click here.

Well known brands might not be cheapest

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to make the point that you’ll save big if you switch your policy. But how can every company charge less that you’re paying now? You have to listen carefully.

Companies quote their best rates for the type of driver that earns them a profit. For example, a profitable customer should be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who fits those characteristics may get the lowest car insurance rates and will most likely save when they switch companies.

Potential insureds who don’t measure up to the “perfect” profile must pay higher premiums with the end result being the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can make it sound like they have such great car insurance rates. Because each company has a different risk profile, drivers must get as many free insurance quotes as possible. It’s not possible to predict with any certainty which company will give you the biggest savings.

How to know if you need help

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine whether you will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • Does liability extend to a camper or trailer?
  • Is my cargo covered for damage or theft?
  • Is other people’s property covered if stolen from my vehicle?
  • Does insurance cover damages from a DUI accident?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving a rental car?
  • Does insurance cover tools stolen from my truck?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

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Specific coverages for an Audi Q7

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, dental work, nursing services, pain medications and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2010 Audi Q7.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Be a money saver!

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for a number of reasons such as policy cancellation, denial of a claim, high rates after DUI convictions or questionable increases in premium. Regardless of your reason for switching companies, switching companies is actually quite simple.

We covered a lot of information how to save on 2010 Audi Q7 insurance. The most important thing to understand is the more you quote insurance, the better likelihood of getting the cheapest insurance. Consumers may even find the lowest car insurance rates come from some of the lesser-known companies.

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