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, 2017

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Consumers who are new to the process of comparing insurance coverage rates online may find locating inexpensive insurance coverage to be a formidable task.

Get lower-cost insurance with discounts

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so the following list contains a few of the more well known as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Driver’s Education for Students – Have your child enroll and complete driver’s education in school.
  • Active Service Discounts – Having an actively deployed family member could trigger a small discount.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of more than 20%.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may save up to 50% more for Q7 e-tron coverage than drivers with accidents.
  • Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally well after school through age 25.
  • Senior Citizen Rates – Mature drivers may receive reduced rates for Q7 e-tron coverage.
  • Multi-line Discount – Larger companies have lower rates if you buy a life policy as well.
  • Claim Free – Drivers who stay claim-free pay less when compared with policyholders that have many claims.
  • Professional Organizations – Participating in qualifying employment or professional organizations can get you a small discount when getting a insurance coverage quote.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, that’s just not realistic.

Auto insurance companies that may offer most of the discounts above may include but are not limited to:

Double check with all the companies to apply every possible discount. Some discounts might not be available to policyholders in your state. If you would like to choose from a list of insurers who offer discounts, click this link.

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

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How to buy car insurance

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

The majority of car insurance companies belong to a marketplace where prospective buyers send in one quote, and every company returns a competitive quote. This saves time by eliminating quote forms to each company.

To participate in this free quote system, click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose the providers you want to price. So if you prefer to pick individual companies for rate comparison, we have a page of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using nearly identical quote information on every quote you get. If you use higher or lower deductibles it will be next to impossible to make an equal comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that comparing all the rates in your area helps locate more affordable rates. Some smaller insurers to not give quotes online, so it’s important to also get prices from those companies as well.

How to lower your insurance premiums

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that are used to determine your car insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower car insurance prices.

  • High comp and collision deductibles lower rates – The deductibles you choose define how much you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered would be colliding with a stationary object, animal collisions, and damage from wind. The more money the insured has to pay upfront, the lower your rates will be for Q7 e-tron coverage.
  • Multi-policy discounts can save money – The majority of companies provide lower prices for people who have multiple policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to check prices from other companies to confirm you are receiving the best rates possible.
  • Car insurance lapses lead to higher car insurance rates – Having a gap between insurance policy dates is a quick way to pay more for car insurance. And not only will your rates increase, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
  • Premiums are high for teenagers – Beginning drivers have a tendency to get distracted easily when driving with friends therefore car insurance rates are much higher. Older, more experienced drivers tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is my 2016 Audi Q7 e-tron covered for flood damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • How high should deductibles be on a 2016 Audi Q7 e-tron?
  • At what point should I drop full coverage?
  • I don’t drive much so do I pay less?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

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

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Auto insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

This coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like funeral expenses, pain and suffering, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, hospital visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, vandalism, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 2016 Audi Q7 e-tron.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Final thoughts

Cheaper 2016 Audi Q7 e-tron insurance is definitely available on the web and with local insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some car insurance companies do not offer internet price quotes and many times these small, regional companies work with independent agencies.

People who switch companies do it for many reasons like questionable increases in premium, lack of trust in their agent, extreme rates for teen drivers and high prices. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

When shopping online for car insurance, never buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price, but do not skimp to save money.

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