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: Mar 28, 2018

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Purchasing the lowest cost auto insurance on the internet may at first seem to be somewhat difficult for beginners to shopping for insurance over the internet. With such a big selection of agents and insurance companies available, how can drivers be able to compare every company to locate the lowest rates?

Finding affordable coverage is not that difficult. In a nutshell, everyone who buys insurance coverage should be able to find better rates. But vehicle owners can benefit by having an understanding of how insurance companies determine prices.

Quote auto insurance online

When looking for low cost insurance quotes, there are a couple ways to get quotes from companies that offer auto insurance in your state. By far the easiest way to compare 2016 Audi S7 insurance prices is to get quotes online. This can be accomplished using a couple different methods.

  • The most recommended method to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating a different quote for every prospective company. Just one form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  • A more difficult way to get comparison quotes requires a visit to the website for every company you want to comare to request a price quote. For instance, let’s assume you want to compare prices for USAA, Allstate and Liberty Mutual. To do that, you would have to visit each site to enter your coverage information, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you compare apples-to-apples deductibles and coverage limits on every quote. If the quotes have different liability limits it’s impossible to determine which company has the best rates. Even a minor difference in insurance coverages or limits may result in a large different in cost. Just keep in mind that making a lot of price comparisons helps locate the best offered rates. Not every company does online quotes, so you also need to get prices from the smaller companies as well.

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

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Smaller companies may have the best rates

Well-known auto insurance companies like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies seem to make the promise about savings after switching to their company. How can each company say the same thing?

Companies give the best rates for a prospective insured that earns them a profit. For example, this type of driver might have to be between the ages of 30 and 50, is a homeowner, and has great credit. A customer that meets those criteria will probably get cheap car insurance rates and as a result will probably cut their rates if they switch.

Potential customers who don’t meet this ideal profile will see higher premiums which translates to the customer buying from someone else. The wording the ads use say “people who switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can make the claims of big savings. Because each company has a different risk profile, you should get insurance quotes as often as possible. It is impossible to guess which company will provide the lowest car insurance rates.

Find hidden discounts to get affordable insurance coverage rates

Companies that sell car insurance don’t always advertise their entire list of discounts very clearly, so here is a list some of the best known and also the more inconspicuous discounts that you may qualify for.

  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Government Employees – Active or retired federal employment may qualify for a discount when you quote insurance for S7 coverage with some insurance coverage companies.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because newer vehicles are generally safer.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • First Accident Forgiveness – Not really a discount, but a few companies such as Liberty Mutual and GEICO allow you one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Military Rewards – Being deployed in the military could be rewarded with lower rates.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a insurance quote. This discount can apply well after school through age 25.
  • Responsible Driver Discount – Accident-free drivers may save up to 50% more for S7 coverage as compared to drivers with claims.

It’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

Some of the insurance companies who might offer most of the discounts above possibly include:

Double check with each insurance company to apply every possible discount. Discounts might not be offered in your state. To choose companies that can offer you the previously mentioned discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Can I afford low physical damage deductibles?
  • What is medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does medical payments coverage apply to all occupants?
  • Is my Audi S7 covered if I use it for business?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I wreck a rental car?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an 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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Car insurance specifics

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, pain medications, EMT expenses, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2016 Audi S7.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – This coverage will pay to fix damage to your S7 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 can pay for things such as rolling your car, driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, pain and suffering and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage on a shoestring budget

Affordable 2016 Audi S7 insurance is possible from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer price quotes online and these regional carriers provide coverage only through local independent agencies.

Drivers switch companies for a number of reasons such as high prices, delays in responding to claim requests, extreme rates for teen drivers or even high rates after DUI convictions. Whatever your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

Much more information about auto insurance is available at the links below