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: Jul 30, 2018

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Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for affordable Audi A7 insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to price shop coverage for your Audi and locate the lowest possible price from both online companies and local agents.

It’s a good habit to compare rates on a regular basis since insurance prices change frequently. Just because you had the lowest quotes for A7 coverage six months ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to find out the tricks you need to know to buy cheaper auto insurance.

If you have a policy now or need a new policy, you can use these techniques to get lower rates and possibly find even better coverage. The purpose of this post is to tell you how to effectively get price quotes and some tips to save money. Consumers only need an understanding of the proper way to shop for car insurance over the internet.

The best way to compare car insurance rates is to take advantage of the fact car insurance companies actually pay money for the chance to quote your coverage. All you need to do is take a few minutes to give details such as whether your vehicle is owned or leased, your job, if you are currently licensed, and deductibles desired. Your details is instantly submitted to many of the top insurers and they return rate quotes immediately.

To find the cheapest Audi A7 insurance rates, click here and complete the quick form.

You may qualify for discounts

Some insurance providers don’t always publicize the entire discount list very well, so the following is a list of a few of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online. If you’re not getting every credit possible, you may be paying too high a price.

  • Accident Forgiveness – Not really a discount, but companies like State Farm and GEICO allow you one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • Include Life Insurance and Save – Some insurance companies give lower insurance coveragerates if you buy life insurance from them.
  • Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less for A7 coverage compared to rates paid by drivers with frequent claims.
  • College Student – Kids who attend college more than 100 miles from home and do not have a car may qualify for this discount.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles on a single policy may reduce the rate for each vehicle.
  • Full Payment Discount – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

Companies who might offer these money-saving discounts include:

If you want low cost insurance quotes, ask every prospective company how you can save money. Some discounts listed above might not be offered on policies in your area. If you would like to view providers who offer discounts, click this link.

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

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There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Am I covered if hit by an uninsured driver?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is a blown tire covered by insurance?
  • Is upholstery damage covered by car insurance?
  • Is a fancy paint job covered?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

How do insurance providers determine Audi A7 insurance prices?

Part of the insurance buying process is learning some of the elements that go into determining your insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can earn you lower premium levels.

The following are most of the major factors used by companies to determine your rate level.

  • Being married pays dividends – Having a wife or husband may save some money on your policy. Marriage usually means you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
  • Defend yourself with liability insurance – The liability coverage on your policy provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage to defend your case. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Drive a safer car and pay less – Safe vehicles cost less to insure. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company and cheaper rates on your policy.
  • Premiums for males may be higher – Statistics show females are less aggressive when driving. It does not mean males are worse at driving than females. They both tend to get into fender benders in similar numbers, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore are the most expensive to insure.
  • Drive lots and pay more – Driving more miles each year the more you will pay for insurance. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Double check that your insurance policy is showing the correct usage, because improper ratings can cost you money. An improperly rated A7 may be wasting your money.

Big names are not always cheapest

Consumers can’t ignore all the ads that promise big savings from companies such as Allstate and Progressive. All the ads make an identical promise that you can save after switching your policy.

How does each company claim to save you money? It’s all in the words they use.

Companies have underwriting criteria for the type of driver that is profitable for them. For example, a profitable insured may be over the age of 40, has never had a policy lapse, and chooses high deductibles. Any person that meets those criteria may get the lowest prices and will most likely save some money.

Drivers who fall short of the “perfect” profile will have to pay higher premium rates which results in the prospect going elsewhere. The ads state “drivers who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently state the savings. Because of the profiling, you should get as many free insurance quotes as possible. It’s not possible to predict which company will provide the lowest car insurance rates.

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

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Car insurance coverage considerations

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive car insurance – This coverage pays for 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 can pay for claims like falling objects, hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses like surgery, rehabilitation expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability insurance – This protects you from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like structural damage, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Collision – Collision coverage pays for damage to your A7 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a building, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Audi A7.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Get your money’s worth

People change insurance companies for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, high rates after DUI convictions and even denial of a claim. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

When getting insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits only to find out that they should have had better coverage. The goal is to buy enough coverage for the lowest price and still be able to protect your assets.

We just showed you some good ideas how you can save on 2012 Audi A7 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest insurance. You may even discover the best rates are with a company that doesn’t do a lot of advertising.

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