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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Did a good deal turn into overpriced insurance coverage? Trust us when we tell you you’re not alone.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with advertising and it is difficult to see past the corporate glitz and take the time to shop coverage around.

Consumers need to compare premium rates before your next renewal because insurance coverage prices fluctuate regularly. Just because you found the lowest price on RS 7 coverage a couple years back you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because you’re about to learn the only way to reduce your cost while improving coverage.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. Nevertheless, drivers can benefit from knowing how big insurance companies price online insurance.

Get cheap insurance with discounts

Companies offering auto insurance do not list every discount very well, so the list below gives a summary of both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online. If you do not double check each discount available, you could be saving more on your insurance.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • Life Insurance Discount – Insurance companies who offer life insurance give lower premium rates if you buy a life policy as well.
  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Early Switch Discount – Select insurance companies give a discount for switching policies prior to your current policy expiring. You can save around 10% with this discount.
  • Low Mileage Discounts – Driving less may allow you to get lower rates due to less chance of an accident.
  • Defensive Driver – Passing a course that instructs on driving safety may get you a small discount depending on where you live.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your policy cost.

Companies that possibly offer some of the discounts shown above may include but are not limited to:

When comparing rates, check with each insurance company how you can save money. Discounts might not be offered on policies in your area. To locate providers that offer multiple discounts, click here.

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

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Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • Is my 2014 Audi RS 7 covered for flood damage?
  • Does coverage extend to a rental car in a foreign country?
  • Does liability extend to a camper or trailer?
  • Should I have a commercial auto policy?
  • Why do I need rental car insurance?
  • Do I have coverage if my license is suspended?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Don’t be fooled by advertising claims

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies make the same claim that you can save if you switch to their company. That’s great but how can every company have lower policy pricing? Here is the trick they use.

Insurance coverage companies have an ideal profile for the type of insured that earns them the highest profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has never had a claim, and has a short commute. Any driver that matches those criteria may get the lowest car insurance rates and as a result will probably save when switching.

People who do not match those criteria will be charged more expensive rates and ends up with business not being written. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can state the savings. This really emphasizes why it’s extremely important to get as many free insurance coverage quotes as possible. It’s just too difficult to predict which insurance companies will give you lower car insurance rates than your current company.

Insurance policy coverages for a 2014 Audi RS 7

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, court costs, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, hail damage, falling objects and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This coverage pays for damage to your RS 7 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, backing into a parked car, colliding with a tree, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Audi RS 7.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, X-ray expenses, ambulance fees and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

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

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In any little way, save everyday

Cheap 2014 Audi RS 7 insurance can be sourced from both online companies as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies don’t offer internet price quotes and these small insurance companies sell through independent agencies.

As you quote insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your goal is to buy enough coverage at the best price while not skimping on critical coverages.

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