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: Nov 5, 2018

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Think you have an expensive auto insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute cheapest price

If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to learn the best way to compare price quotes online.

Auto insurance discounts are available to reduce your rates

Auto insurance companies don’t always list the complete list of policy discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • Smart Student Discounts – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • No Accidents – Claim-free drivers get the best auto insurance rates in comparison to insureds who have frequent claims or accidents.
  • E-sign Discounts – Some larger companies may give you up to $50 for signing up over the internet.
  • Memberships – Having an affiliation with a professional or civic organization could trigger savings when getting a auto insurance quote.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course in school.
  • College Student – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.

Remember that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Large auto insurance companies and some of their more popular discounts are shown below.

  • AAA offers discounts for good driver, multi-car, anti-theft, good student, multi-policy, and education and occupation.
  • Progressive includes discounts for good student, multi-vehicle, online quote discount, continuous coverage, homeowner, and online signing.
  • State Farm discounts include student away at school, anti-theft, accident-free, safe vehicle, Steer Clear safe driver discount, and Drive Safe & Save.
  • Esurance offers discounts including homeowner, DriveSense, anti-theft, claim free, anti-lock brakes, good student, and Switch & Save.
  • Nationwide has discounts for family plan, accident-free, defensive driving, Farm Bureau membership, easy pay, and good student.

If you want affordable auto insurance quotes, ask every company the best way to save money. All car insurance discounts may not apply to policies in every state.

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

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Why you might pay inflated rates

Multiple criteria are used when premium rates are determined. Some are pretty understandable like your driving record, although others are more transparent like where you live or how financially stable you are.

  • Rates can drop if you have more than one policy – Some insurance companies provide a discount for people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to check prices from other companies to ensure the best deal.
  • Occupation stress can make you pay more – Jobs like military personnel, social workers and dentists tend to pay higher rates than the rest of us in part from high stress and lots of time spent at work. On the other hand, jobs like professors, students and homemakers pay the least on S7 insurance.
  • Protect yourself with liability insurance – Liability insurance will afford coverage in the event that a jury decides you are liable for an accident. This coverage provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Eliminate extra coverages – There are a ton of optional add-on coverages that can waste your money if you don’t pay attention. Coverages like vanishing deductibles, towing, and extra life insurance coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
  • Low coverage deductibles cost more – Your deductibles define how much you are required to spend if the claim is covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are rearending another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive on S7 insurance.
  • Cut premiums and deter theft – Purchasing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.

Everyone needs different insurance coverages

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if you might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How can I force my company to pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 2013 Audi S7 and owe more than it’s worth?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage specifics

Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, hail damage, falling objects and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – This can cover damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like pain and suffering, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage – Collision coverage pays for damage to your S7 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, pain medications, ambulance fees and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2013 Audi S7.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

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

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Final considerations

When searching for cheaper auto insurance quotes, do not skimp on coverage in order to save money. There have been many cases where someone sacrificed collision coverage only to find out that it was a big error on their part. Your goal should be to buy the best coverage you can find at an affordable rate.

Throughout this article, we presented some good ideas how to lower your 2013 Audi S7 insurance car insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

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