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: May 22, 2018

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Finding better insurance prices for an Audi RS 7 could be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy insurance and we’ll show you the quickest way to get price quotes for a new or used Audi and obtain the lowest price from local insurance agents and online providers.

It’s important to do rate comparisons once or twice a year because insurance prices change quite often. Despite the fact that you may have had the lowest rates for RS 7 coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

Locating affordable insurance coverage coverage is quite easy. If you have a policy now or are shopping for new coverage, you can learn to get lower rates and still get good coverage. Drivers only need to know the most efficient way to compare rates over the internet.

Auto insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even know about. Many discounts should be triggered when you purchase, but less common discounts must be manually applied before they will apply.

  • Online Discount – A handful of auto insurance companies will give you a small discount for buying your policy digitally online.
  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
  • Safety Course Discount – Participating in a driver safety course can save you 5% or more and easily pay for the cost of the class.
  • Save with More Vehicles Insured – Insuring several vehicles with one company can reduce the rates for all insured vehicles.
  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for RS 7 coverage compared to rates paid by drivers with frequent claims.
  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for RS 7 coverage with certain companies.
  • Onboard Data Collection – Policyholders that allow driving data collection to spy on driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Active Service Discounts – Having a family member in the military can result in better rates.

Please keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

The best auto insurance companies and some of the discounts are outlined below.

  • Progressive offers discounts including continuous coverage, good student, homeowner, multi-policy, online quote discount, online signing, and multi-vehicle.
  • GEICO includes discounts for defensive driver, anti-theft, five-year accident-free, anti-lock brakes, federal employee, military active duty, and membership and employees.
  • State Farm may include discounts for student away at school, Steer Clear safe driver discount, driver’s education, multiple policy, anti-theft, passive restraint, and accident-free.
  • Esurance offers discounts for emergency road assistance, renters, DriveSense, anti-theft, claim free, homeowner, and paid-in-full.
  • The Hartford offers premium reductions for defensive driver, bundle, driver training, air bag, vehicle fuel type, good student, and anti-theft.

Before purchasing a policy, check with every prospective company how you can save money. Savings 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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Insurance costs are influenced by these factors

Many things are considered when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are more obscure such as your marital status or your commute time.

  • Responsible drivers pay less – Getting just one driving citation could increase your next policy renewal twenty percent or more. Good drivers receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Adjust physical damage deductibles and save – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Audi. Examples of covered claims would be running into the backend of another car, hitting a deer, and having your car stolen. Deductibles for physical damage are how much the insured will be required to pay if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive for RS 7 coverage.
  • Excellent credit equals lower rates – Your credit score can be an important factor in calculating your premium rate. People with high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. Therefore, if your credit is lower than you’d like, you could pay less to insure your 2015 Audi RS 7 by improving your rating.
  • Liability coverage limits are a factor – Liability coverage will protect you if you are determined to be liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Little extras can really add up – There are a ton of additional coverages that sound like a good idea at the time but may not be useful. Add-on coverages like replacement cost coverage, better glass coverage, and Farm Bureau memberships may be costing you every month. They may sound like good ideas when discussing your needs, but if they’re wasting money eliminate the coverages to reduce your premium.
  • More people means more accidents – Being located in less populated areas of the country can be a good thing when shopping for auto insurance. Fewer people means reduced accidents and lower theft and vandalism rates. People who live in big cities regularly have traffic congestion and higher rates of accident claims. Longer commute distances means more chances of being involved in an auto accident.
  • Gender impacts prices – The statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Females and males tend to get into fender benders in similar numbers, but men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as reckless driving.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving on a suspended license?
  • Is there coverage for injuries to my pets?
  • What is high-risk coverage and where do I buy it?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?
  • Should I get collision insurance on every vehicle?
  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Switch companies and save? Really?

Consumers can’t ignore all the ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. All the companies state the claim that you can save if you switch your policy.

That’s great but how can every company make the same claim? You have to listen carefully.

Insurance coverage companies have underwriting criteria for the type of driver that earns them a profit. A good example of a driver they prefer may need to be a married female, is a homeowner, and has excellent credit. Any driver who meets those qualifications will get low premium rates and as a result will probably save quite a bit of money when switching.

Insureds who fall short of these stringent criteria must pay more expensive rates and this can result in business not being written. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can confidently make those statements.

Because of these techniques, you absolutely need to compare free insurance quotes often. Because you never know which insurance companies will have the lowest rates for your situation.

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

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Specific coverage details

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi RS 7.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from 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. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, dental work and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance will pay to fix 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 coverage pays for things like hail damage, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Smart shoppers get results

Lower-priced 2015 Audi RS 7 insurance can be purchased on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online rate quotes and many times these small, regional companies prefer to sell through independent agents.

As you quote insurance, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, poor customer service, lack of trust in their agent and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is easier than you think.

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