2014 Audi A7 Insurance Cost
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UPDATED: Nov 26, 2017
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Looking for the cheapest insurance rates for your Audi A7? Are you sick and tired of not being able to scrape enough together to pay insurance each month? Your situation is no different than the majority of other people.
Companies like State Farm, Progressive and GEICO persitently shower you with fancy advertisements and it can be hard to see past the geckos and flying pigs and find the best price available.
If you are paying for car insurance now, you will most likely be able to save some money using these tips. Finding affordable coverage is easy if you know what you’re doing. Although car owners must learn how big insurance companies market on the web.
How to find cheap auto insurance
Many insurance companies such as State Farm, Allstate and GEICO provide price estimates directly from their websites. Getting prices online is pretty painless as you just enter the coverages you want as requested by the quote form. After you complete the form, their system collects information on your driving record and credit history and quotes a price based on the information you submitted. Being able to quote online simplifies rate comparisons, but the time required to go to multiple sites and type in the same information can get tiresome after awhile. But it’s necessary to compare as many rates as possible if you want to get the best price on auto insurance.
The quickest way to compare rates is to use a quote form to obtain quotes from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quotes that you receive.
If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.
To quickly find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter the coverage information as shown on your current policy. Using the same limits helps guarantee you are getting a rate comparison for exact coverage.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Smart consumers can lower their insurance premiums
Many things are used when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are not quite as obvious like your continuous coverage and annual miles driven.
The following are a partial list of the pieces insurance companies consider when setting rates.
- Insurance rates in urban areas – Having an address in a rural area can save you money when talking about insurance. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims Drivers who live in large cities tend to have much more traffic and more time behind the wheel. The longer drive time statistically corresponds to a higher accident and claim rate.
- Be proud to be claim-free – If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Insurance companies provide most affordable rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of the large, substantial claims.
- Decrease rates by maintaining coverage – Driving without insurance is not a good idea and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance will get you fines and jail time.
- Choose high crash test ratings and save – Safe vehicles tend to be cheaper to insure. These vehicles have better occupant injury protection and reduced instances of injuries means your insurance company pays less passed on to you as lower rates. If your Audi A7 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
- Good drivers pay less – Your driving record influences premium rates substantially. Just one moving violation may cause rates to rise by twenty percent. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten careless citations like hit and run, DWI or reckless driving convictions may need to complete a SR-22 with their state in order to prevent a license revocation.
- Bundling policies can get discounts – Many insurers allow discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare rates to ensure the best deal. It’s possible to still find lower rates by buying from different companies
- Premiums are high for teenagers – Older insureds are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.Beginning drivers are statistically shown to get distracted easily in a vehicle and because of this, their insurance rates are much higher.
Car insurance policy discounts
Car insurance is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. A few discounts will be applied at the time you complete a quote, but some need to be manually applied in order for you to get them.
- Distant Student – Youth drivers who live away from home to go to college without a vehicle on campus can receive lower rates.
- Discounts for New Vehicles – Adding a new car to your policy can get you a discount due to better safety requirements for newer vehicles.
- Paper-free Discount – Certain companies will discount your bill up to fifty bucks for buying your policy on the web.
- Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
- Safe Drivers – Accident-free drivers may receive a discount up to 45% on A7 insurance as compared to drivers with claims.
- Federal Government Employee – Employees or retirees of the government could provide a small rate reduction on A7 insurance with a few car insurance companies.
- Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.
Larger car insurance companies and a partial list of their discounts are detailed below.
- Progressive offers discounts for good student, multi-vehicle, homeowner, continuous coverage, and multi-policy.
- SAFECO has savings for teen safe driver, drive less, multi-car, anti-theft, and anti-lock brakes.
- American Family may have discounts that include early bird, good driver, bundled insurance, Steer into Savings, multi-vehicle, and air bags.
- MetLife has discounts for claim-free, good student, good driver, defensive driver, accident-free, and multi-policy.
- GEICO policyholders can earn discounts including federal employee, driver training, multi-policy, air bags, and multi-vehicle.
- The Hartford includes discounts for bundle, anti-theft, defensive driver, vehicle fuel type, air bag, and driver training.
If you need affordable insurance coverage quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in every state.
How do I know if I need professional advice?
When it comes to choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation would benefit from professional advice.
- When would I need additional glass coverage?
- Does liability extend to a camper or trailer?
- Do I need to file an SR-22 for a DUI in my state?
- Where can I find DUI or SR-22 insurance?
- Am I covered when driving a rental car?
- Should I get collision insurance on every vehicle?
- Does my 2014 Audi A7 need full coverage?
- When can my company non-renew my policy?
- What is the minimum liability in my state?
- Is pleasure use cheaper than using my 2014 Audi A7 to commute?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Car insurance coverage basics
Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses 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. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.
This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability 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 a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as structural damage, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage will pay to fix damage to your A7 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, doctor visits, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Shop. Compare. Save.
We’ve covered a lot of tips how to lower your 2014 Audi A7 insurance premium rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the most savings is with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.
Budget-friendly auto insurance can be sourced online and from local agencies, so you need to quote insurance coverage with both to have the best selection. Some auto insurance companies do not provide the ability to get quotes online and most of the time these regional carriers only sell coverage through independent agents.
Helpful learning opportunities
- Determing Auto Insurance Rates (GEICO)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Child Safety FAQ (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)