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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Want lower car insurance rates for your Audi allroad? Do you get overwhelmed by the dozens of car insurance choices in your area? People have such a large number of options that it can easily become a real hassle to find better rates.

It is always a good idea to compare rates occasionally since prices trend upward over time. Just because you found the best quotes for allroad insurance on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to teach you the fastest way to save money, get proper coverage and the best rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these methods. This information will tell you how car insurance quotes work. Nevertheless, drivers do need to understand how big insurance companies sell insurance online because it can help you find the best coverage.

Find hidden discounts on auto insurance

Companies that sell car insurance do not list their entire list of discounts in a way that’s easy to find, so the following list contains both the well known as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Use Seat Belts – Requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Savings for New Vehicles – Buying a new car model is cheaper due to better safety requirements for new vehicles.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as State Farm and Allstate may permit one accident without the usual rate increase so long as you are claim-free for a certain period of time.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Memberships – Joining a qualifying organization could earn you a nice discount on your policy.

Just know that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. But all discounts will cut your auto insurance premiums.

Larger auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO discounts include membership and employees, daytime running lights, emergency military deployment, multi-vehicle, federal employee, defensive driver, and five-year accident-free.
  • USAA may have discounts that include loyalty savings, multi-vehicle, annual mileage, good student, family discount, and driver training.
  • Progressive offers discounts including online signing, online quote discount, multi-policy, continuous coverage, multi-vehicle, and good student.
  • American Family offers premium reductions for good student, early bird, air bags, bundled insurance, and defensive driver.
  • Esurance has savings for Switch & Save, renters, safety device, Pac-12 alumni, claim free, and homeowner.
  • Farmers Insurance has discounts for bundle discounts, early shopping, distant student, multi-car, youthful driver, pay in full, and switch companies.
  • State Farm offers discounts for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, multiple autos, anti-theft, safe vehicle, and accident-free.

When quoting, ask all the companies how you can save money. A few discounts might not be offered on policies in every state. If you would like to view insurers who offer online auto insurance quotes, click this link.

The best way we recommend to compare car insurance rates is to take advantage of the fact car insurance companies participate in online systems to provide you with free rate quotes. All you need to do is provide a little information like the year, make and model of vehicles, if your license is active, whether your vehicle is owned or leased, and whether or not you need a SR-22. The rating information is submitted instantly to multiple top-rated companies and you receive quotes immediately.

To find the cheapest car insurance rates, click here and enter your zip code.

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

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Lower your insurance costs

Lots of factors are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but others are less obvious like your vehicle usage or your commute time.It’s important that you understand some of the things that come into play when calculating your policy premiums. If you have some idea of what determines premiums, this helps enable you to make changes that may reward you with cheaper rates.

Listed below are most of the major factors utilized by car insurance companies to help set your premiums.

  • Females tend to cost less – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women cause accidents in similar numbers, but males get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • How old are your drivers? – Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents , and usually have better credit.Teen drivers are statistically shown to get distracted easily when behind the wheel therefore insurance rates are much higher.
  • Policy claims cost money – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Insurance companies provide cheaper rates to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Little extras can really add up – There are a ton of additional extra coverages that sound like a good idea at the time if you aren’t careful. Coverages for roadside assistance, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
  • Vehicle theft costs us all – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
  • Excellent credit equals lower premiums – Your credit score is a large factor in determining what you pay. Consumers who have high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. If your credit history is low, you could be paying less to insure your 2013 Audi allroad if you clean up your credit.
  • Lower physical damage deductibles cost more – Physical damage deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are rearending another vehicle, damage from fire, and having a roll-over accident. The higher the amount you have to pay, the less money you will pay for insurance for allroad insurance.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • What if I total my 2013 Audi allroad and owe more than it’s worth?
  • Am I missing any policy discounts?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need replacement cost coverage on my 2013 Audi allroad?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I drive in a foreign country?
  • Who is covered when they drive my 2013 Audi allroad?
  • What is an SR-22 filing?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Drivers who switch save $462 a year? Really?

State Farm and Allstate regularly use ads on TV and radio. They all seem to make the promise about saving some big amount if you switch your coverage. How is it possible that every company can charge less that you’re paying now? It’s all in how they say it.

Most companies have underwriting criteria for the right customer that will most likely be profitable. For instance, a desirable insured may need to be a female over age 40, has other policies, and has excellent credit. A propective insured who fits that profile may get the lowest prices and will most likely cut their rates substantially.

Drivers who are not a match for these stringent criteria will probably have to pay a higher rate which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make those statements. Because of this risk profiling, you really need to do a quote comparison often. It is impossible to predict which car insurance company will have better auto insurance rates than you’re paying now.

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

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Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, doctor visits and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your allroad from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, crashing into a building, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.


Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Smart shoppers get results

More affordable auto insurance is available online as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some auto insurance companies may not offer rate quotes online and most of the time these smaller providers sell through independent agents.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including unfair underwriting practices, delays in paying claims, high rates after DUI convictions or even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company is easier than you think.

More detailed auto insurance information can be read at these sites: