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 the cheapest insurance coverage rates for your Audi allroad? Trying to find cheap insurance coverage could be kind of frustrating for people not familiar with shopping for insurance online. Consumers have so many different companies and agents to choose from that it can quickly become a difficult challenge to locate the lowest premium rates.

It’s important to get comparison quotes as often as possible due to the fact that insurance prices change quite often. Just because you had the best deal on allroad coverage a year ago you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. But consumers need to have an understanding of how big insurance companies price online insurance and use this information to your advantage.

Finding auto insurance

There are several ways to compare auto insurance prices but one way is less time-consuming than others. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Many insurance companies enroll in a system where insurance shoppers submit one quote, and each company returns a rated price based on that information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on auto insurance click here to start a free quote.

The single downside to doing it this way is that you can’t choose which insurance companies you want to price. So if you want to select specific providers for rate comparison, we put together a list of auto insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to use exactly the same coverage information for each quote you get. If you have mixed coverages you can’t possibly find the best deal for your Audi allroad. Just slight variations in coverage limits can make a big difference in price. And when quoting auto insurance, remember that getting more free quotes helps locate more affordable rates. Some smaller insurers to not give online rate quotes, so you also need to get price estimates from the smaller companies as well.

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

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Insurance policy discounts you can’t miss

Auto insurance companies don’t always list every discount they offer in a way that’s easy to find, so we took the time to find both the well known and also the more inconspicuous credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

  • Distant College Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts up to 30%.
  • Military Rewards – Having a family member in the military could be rewarded with lower insurance rates.
  • Discounts for Multiple Vehicles – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase life insurance.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn substantially lower prices.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on allroad coverage.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts will reduce your insurance premiums.

Larger insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm offers discounts including safe vehicle, passive restraint, driver’s education, multiple policy, Drive Safe & Save, and accident-free.
  • Farmers Insurance includes discounts for bundle discounts, business and professional, electronic funds transfer, multi-car, pay in full, and mature driver.
  • GEICO offers discounts for good student, anti-lock brakes, defensive driver, anti-theft, and daytime running lights.
  • American Family policyholders can earn discounts including TimeAway discount, accident-free, good driver, multi-vehicle, early bird, and good student.
  • Nationwide may offer discounts for defensive driving, easy pay, business or organization, anti-theft, family plan, and good student.
  • Progressive offers premium reductions for multi-vehicle, homeowner, online signing, multi-policy, and good student.

When getting free car insurance quotes, it’s a good idea to every insurance company to give you their best rates. Some credits may not apply in your area.

Insurance agents can help

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions can help discover if you could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • When would I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • Do I need PIP coverage since I have good health insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

But the ad said I’d save 15% in 15 minutes!

Well-known auto insurance companies like Progressive, Allstate and GEICO endlessly run television, radio, and online ads. All the companies state the claim that you can save just by moving to them. It sounds good, but how can they all claim to save you money? It’s all in the numbers.

Insurance providers quote their best rates for the type of driver that is profitable for them. An example of this type of risk profile could be between 30 and 50, carries high limits, and drives a safe vehicle. A driver that meets those criteria receive the lowest rate quotes and will probably save when switching.

Potential insureds who may not quite match this stringent profile may be forced to pay higher premiums which results in the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can state the savings.

Because every company is different, you really should get a wide range of price quotes. It’s not possible to predict which insurance companies will have the best car insurance rates at this point in time.

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

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Auto insurance policy coverages for a 2015 Audi allroad

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, prosthetic devices, nursing services, doctor visits and chiropractic care. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, medical services, emergency aid, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision 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 rolling your car, scraping a guard rail, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Audi allroad.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Smart consumers save more

There are still a few companies who may not have rate quotes online and usually these small insurance companies provide coverage only through local independent agents. The cheapest 2015 Audi allroad insurance can be bought from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture.

We’ve covered many ways to reduce 2015 Audi allroad insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers could even find that the best price on insurance is with a small mutual company.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many cases, consumers will sacrifice physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate and still be able to protect your assets.

For more information, feel free to visit the resources below: