2015 Audi S7 Insurance Rates

Searching for lower insurance rates for your Audi S7? Locating low-cost insurance for an Audi S7 can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare insurance rates so you’re going to learn the proper way to compare rates for a Audi and get the best price possible from both online companies and local agents.

Buying car insurance is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use these tips to get lower rates and still get good coverage. Drivers just need to understand how to compare price quotes online.

Double check you’re getting these money-saving discounts

Car insurance can cost a lot, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be inquired about before they will apply.

• Paper-free Discount – Certain larger companies will discount your bill up to fifty bucks for completing your application on the internet.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
• Military Deployment Discount – Being on active duty in the military could qualify you for better insurance rates.
• Distant Student Discount – Kids who attend college more than 100 miles from home and don’t have a car may be able to be covered for less.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may get savings of 20 to 30 percent.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky. But any discount will definitely reduce your insurance premiums.

Popular insurance companies and a summarized list of policyholder discounts are outlined below.

• State Farm may include discounts for defensive driving training, Drive Safe & Save, multiple autos, safe vehicle, accident-free, passive restraint, and student away at school.
• American Family policyholders can earn discounts including Steer into Savings, TimeAway discount, early bird, accident-free, good driver, bundled insurance, and defensive driver.
• AAA discounts include AAA membership discount, multi-policy, multi-car, anti-theft, good driver, and education and occupation.
• Geico offers discounts including defensive driver, anti-theft, driver training, good student, daytime running lights, and anti-lock brakes.
• Mercury Insurance offers discounts for accident-free, low natural disaster claims, multi-policy, good driver, anti-theft, multi-car, and annual mileage.
• Farmers Insurance has discounts for distant student, teen driver, youthful driver, homeowner, good student, and early shopping.
• Progressive offers premium reductions for multi-vehicle, homeowner, online signing, multi-policy, good student, and online quote discount.

If you want inexpensive auto insurance quotes, ask each company to give you their best rates. Savings may not apply to policyholders in your area. To choose insurance companies who offer insurance discounts, click here.

Insurance rate influencing factors

Many factors are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more transparent such as whether you are married or your financial responsibility.

• Stay claim-free and save money – Auto insurance companies give better rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for claims that pose a financial burden.
• How much liability insurance – Your policy’s liability coverage will protect you in the event that you are found to be at fault for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
• Drive lots and pay more – The higher the miles on your Audi in a year’s time the more it will cost to insure it. A lot of insurance companies rate vehicles based upon how much you drive. Cars left parked in the garage cost less to insure than vehicles that are driven to work every day. An improperly rated S7 may be costing you. It’s always a good idea to double check that your policy is showing annual mileage.
• Do you know your coverage deductibles? – The deductibles you choose state the amount of money you are required to spend if a claim is determined to be covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are rearending another vehicle, damage from fire, and damage from wind. The more expense you’re willing to pay, the bigger discount you will receive on S7 coverage.
• Consolidate policies to earn discounts – The majority of insurers apply lower prices for people who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount applied, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can find lower rates by buying insurance from more than one company.
• Safety first – Vehicles that have high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.

Do I need special coverages?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

• Is pleasure use cheaper than using my 2015 Audi S7 to commute?
• What are the best liability limits?
• Will my insurance pay for OEM parts?
• Do all my vehicles need collision coverage?
• Is rental equipment covered for theft or damage?
• Is a new car covered when I drive it off the dealer lot?
• How do I file an SR-22 for a DUI in my state?
• What is UM/UIM insurance?
• Is motorclub coverage worth it?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, prosthetic devices, funeral costs and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – Collision insurance will pay to fix damage to your S7 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

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

Comprehensive coverage protects against claims such as theft, damage from flooding and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects, medical expenses, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Final thoughts

Throughout this article, we presented a lot of information how to get a better price on 2015 Audi S7 insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap auto insurance. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

People change insurance companies for any number of reasons including delays in responding to claim requests, policy non-renewal, high rates after DUI convictions or even delays in paying claims. Whatever your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Cheaper auto insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer internet price quotes and most of the time these smaller providers only sell coverage through independent insurance agencies.

More detailed auto insurance information is located in these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)