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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

No one anticipates paying for insurance coverage, in particular when their premiums are through the roof. Insurance companies such as State Farm and GEICO continually hit you with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to get lower rates and still get good coverage. Finding affordable coverage is not that difficult. Vehicle owners only need an understanding of the most effective way to find the lowest price over the internet.

How to get free auto insurance quotes online

All the larger auto insurance companies provide price estimates directly from their websites. Doing online quotes is very simple as you just enter your coverage preferences into the form. When complete, their quoting system will obtain your driving record and credit report and returns a price quote based on the data you entered. Online price estimates makes comparing rates easy, but the work required to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to perform this step in order to find the lowest price.

There is a better way!

The preferred way to lower your rates utilizes a single form that gets price quotes from several companies at one time. It saves time, requires less work, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select any of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and may save quite a bit of money.

To quickly find out how much you can save on auto insurance, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended that you enter exactly as shown on your declarations page. Doing this guarantees you will get a rate comparison for similar coverage.

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

secured lock Secured with SHA-256 Encryption

Insurance ads are enticing

Consumers can’t ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. They all seem to tend to make the same promise of big savings if you switch to their company.

That’s great but how can every company make the same claim? This is how they do it.

All the different companies have specific guidelines for the right customer they prefer to insure. A good example of this type of insured might be between 30 and 50, has no prior claims, and insures a new vehicle. Anyone who matches those parameters will get a cheap rate quote and have a good chance to save some money.

Potential customers who cannot meet those standards must pay higher prices which usually ends up with the customer buying from a different company. The ads say “drivers who switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully make claims like that. Because every company is different, it is so important to compare rate quotes every year. It is impossible to guess which insurance company will fit your personal profile best.

These discounts can reduce insurance coverage rates

Car insurance companies don’t always publicize the entire discount list very clearly, so the list below details both well-publicized as well as the least known insurance coverage savings.

  • Lower Rates for Military – Being on active duty in the military may lower your insurance coverage rates slightly.
  • Senior Discount – Older drivers may receive a discount up to 10% for Q7 coverage.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.

It’s important to understand that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

If you would like to choose from a list of companies who offer cheap insurance coverage quotes, follow this link.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Why am I required to buy liability insurance?
  • Are rock chip repairs covered?
  • When can my company non-renew my policy?
  • Do I really need UM/UIM coverage?
  • What companies insure drivers after a DUI or DWI?
  • Can I get a multi-policy discount?
  • Does my insurance cover a custom paint job?
  • Why is insurance for a teen driver so high?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

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

secured lock Secured with SHA-256 Encryption

Car insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This 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 as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as doctor visits, pain medications and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, bail bonds, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverage

This pays for damage to your Q7 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Make an honest buck

Cheap 2011 Audi Q7 insurance is available from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not offer the ability to get quotes online and these small, regional companies only sell coverage through independent insurance agencies.

We just covered quite a bit of information on how to reduce 2011 Audi Q7 insurance car insurance rates online. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting cheaper insurance coverage. You may even find the most savings is with a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

For more information, feel free to visit the resources below: