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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Getting budget insurance over the internet can be challenging for comparison shopping on the internet. When there are so many online companies, how can anyone efficiently compare every one to find the best available price?

If you have car insurance now, you will most likely be able to save some money using these methods. The purpose of this article is to familiarize you with how to get online quotes. Nevertheless, drivers benefit from understanding how big insurance companies compete online and use this information to your advantage.

Discounts for affordable auto insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that you may not even know about. Some trigger automatically at the time of quoting, but some must be requested specifically before you get the savings.

  • Multi-policy Discount – When you combine your home and auto insurance and insure them with the same company you will save up to 20% and get you low cost auto insurance.
  • Multi-line Discount – Insurance carriers who offer life insurance give a break if you buy some life insurance too.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings of 25 to 30%.
  • College Student Discount – who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote auto insurance for A7 insurance depending on your company.
  • Buy New and Save – Putting coverage on a new car may earn a small discount because newer vehicles are generally safer.

We need to note that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

Companies that may include these benefits include:

Double check with every insurance company which discounts they offer. Depending on the company, some discounts may not be available in your state. If you would like to see a list of auto insurance companies that offer many of these discounts, click this link.

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

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Informed drivers can lower their insurance costs

Many things are considered when premium rates are determined. Some factors are common sense such as your driving history, but others are not as apparent such as your credit history or your commute time.When buying insurance coverage it’s important to understand a few of the rating criteria that aid in calculating your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that could help you find much lower annual insurance costs.

The following are some of the things insurance coverage companies consider when setting your rate level.

  • You might want pay the inexpensive claims yourself – If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies give cheaper rates to policyholders who do not file claims often. Insurance coverage is intended for more catestrophic claims.
  • Mature drivers pay less – Older insureds have been proven to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Teen drivers have been known to be more careless with other occupants in the car and because of this, their insurance coverage rates are much higher.
  • Pay more if you have a long commute – Being located in a rural area has definite advantages when trying to find low car insurance rates. People who live in big cities tend to have much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.
  • Vocation stress can affect premiums – Did you know that where you work can have an impact on rates? Jobs like lawyers, social workers and financial analysts tend to pay the highest average rates in part from intense work-related stress and extremely grueling work hours. Other jobs like actors, athletes and performers have the lowest average rates for A7 insurance.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I pay less if my vehicle is kept in my garage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Save $446 a year? Really?

Companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. All the companies have a common claim that you’ll save big if you move your insurance coverage policy to them. How is it possible that every company can sell you cheaper insurance coverage? You have to listen carefully.

Insurance companies offer their best rates for the type of driver that makes them money. An example of a preferred risk should be over the age of 45, has had continuous coverage, and drives a vehicle with a low ISO rating. Anybody that matches those criteria will qualify for the lowest rates and will probably save some money.

Insureds who don’t meet those criteria may be forced to pay a higher premium and the customer not buying. The ads say “drivers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, you really need to do a price quote comparison at every renewal. Because you cannot predict with any certainty which company will give you the biggest savings.

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

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Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your A7 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Audi A7.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles, attorney fees, medical expenses and emergency aid. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, doctor visits, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, rock chips in glass and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

There are still a few companies who may not have rate quotes online and usually these small, regional companies only sell through local independent agencies. Cost effective 2016 Audi A7 insurance is available online and from local insurance agents, so compare prices from both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford, but do not skimp to save money.

We covered many ways to lower your 2016 Audi A7 insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a smaller regional carrier.

More detailed insurance information can be found at these sites: