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 20, 2018

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Trying to find lower auto insurance rates for your Audi allroad? Searching for low-cost insurance for an Audi allroad could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the best way to compare rates for a Audi and obtain the best price possible either online or from local insurance agents.

You can change your insurance prices

When buying auto insurance it’s important to understand some of the factors that help calculate auto insurance rates. If you understand what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.

The items below are some of the items used by your company to calculate your rates.

  • Save money by having multiple policies – The majority of auto insurance companies provide a discount to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you’re getting this discount you may still want to check prices from other companies to guarantee you are still saving the most.There is a good possibility that you can save more without the discount by buying from different companies
  • Adjust deductibles and save – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Audi. Some examples of covered claims are a dented fender, vandalism, and burglary. Comprehensive and collision coverage deductibles define the amount the insured will be required to pay if the claim is covered. The more of the claim you’re willing to pay, the less your company will charge you for insurance on allroad insurance.
  • Liability insurance limits should be high – A critical coverage on your policy, liability insurance kicks in if you are responsible for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Having a spouse is a bonus – Walking down the aisle may earn you lower rates on your auto insurance policy. Having a significant other is viewed as being more mature and it’s statistically proven that being married results in fewer claims.
  • Choose high safety ratings and save – Cars with five star safety ratings get lower rates. Safe vehicles have better occupant injury protection and fewer injuries means your insurance company pays less which can mean better rates for you. If your Audi allroad scored at minimum four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Only buy what you need – There are quite a few extra coverages that can add up if you aren’t diligent. Things like vanishing deductibles, high-cost glass coverage, and motor club memberships could be just wasting money. The coverages may be enticing when talking to your agent, but your needs may have changed so remove them from your policy.
  • Save by driving less – The more miles you rack up on your Audi annually the higher your rates will be. A lot of insurance companies charge rates based on their usage. Cars and trucks that sit idle most of the time cost less to insure than vehicles that have high annual mileage. An improperly rated allroad may be costing you. It’s a good idea to make sure your declarations sheet correctly shows the proper vehicle usage, because it can save money.

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

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How to buy insurance

Most larger insurance companies provide coverage prices from their websites. Comparing prices online is pretty easy as you simply enter the coverages you want on the page. Upon sending the form, the system obtains credit information and your driving record and returns a price quote based on many factors.

Being able to quote online streamlines rate comparisons, but the work required to visit a lot of sites and type in your information can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find lower prices.

Rate comparisons made easy

An easier way to compare rates is to use a quote form that gets prices from several companies at one time. It saves time, requires much less work on your part, and makes online shopping much more efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.

To quickly get comparison pricing now, click here and fill out the form. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. Doing this guarantees you will be getting an apples-to-apples comparison for the exact same coverage.

Slash your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not know about. Certain reductions will be credited at the time of purchase, but lesser-known reductions have to be specifically requested in order for you to get them. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Discount for New Cars – Insuring a new car can save you some money because newer vehicles have to meet stringent safety requirements.
  • Early Renewal Discounts – Some insurance companies reward drivers for switching to them before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on allroad insurance compared to rates paid by drivers with frequent claims.
  • Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy can get a discount on all vehicles.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, nobody gets a free ride.

Popular auto insurance companies and their offered discounts are outlined below.

  • AAA may include discounts for multi-car, education and occupation, AAA membership discount, multi-policy, good driver, and pay-in-full.
  • Progressive has discounts for online signing, good student, continuous coverage, multi-policy, online quote discount, and homeowner.
  • State Farm discounts include accident-free, Drive Safe & Save, multiple policy, driver’s education, and defensive driving training.
  • Esurance includes discounts for multi-car, anti-theft, safety device, homeowner, good driver, and renters.
  • Nationwide offers discounts including easy pay, family plan, multi-policy, accident-free, defensive driving, and business or organization.

If you want affordable car insurance quotes, ask all companies you are considering which discounts they offer. Some discounts listed above may not apply to policyholders in your area. To see insurers with significant discounts, click here to view.

You are unique and your insurance coverage should be too

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining if you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • What is the ISO rating for a 2014 Audi allroad?
  • Is upholstery damage covered by car insurance?
  • Which is better, split liability limits or combined limits?
  • Is rental equipment covered for theft or damage?
  • Which companies will insure high-risk drivers?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

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

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What auto insurance coverages do you need?

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Liability – This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as structural damage, attorney fees, emergency aid and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision – Collision insurance covers damage to your allroad from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Quote often and quote early

Budget-conscious 2014 Audi allroad insurance is attainable online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented many ideas to lower your 2014 Audi allroad insurance premium rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premium rates are with the least-expected company.

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be less work than you think.

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