2016 Audi S7 Insurance Quotes in 2024 – 10 Tips for Best Rates

Trying to find lower car insurance rates for your Audi S7? Searching for low-cost insurance for your Audi S7 can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the best way to compare rates on a Audi and find the cheapest rates.

Discounts can really help save money

Auto insurance companies don’t list every possible discount very clearly, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Membership in Organizations – Participating in a civic or occupational organization may earn a discount when shopping for insurance coverage.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
• Military Deployment Discount – Having a deployed family member may lower your rates slightly.
• Life Insurance – Larger insurance coverage companies have a small discount if you purchase life insurance from them.
• Home Ownership Discount – Being a homeowner may trigger a policy discount on insurance coverage due to the fact that maintaining a home is proof of financial responsibility.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
• Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
• More Vehicles More Savings – Buying coverage for more than one vehicle with one company can reduce the rates for all insured vehicles.
• Early Signing – Some insurance companies give discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy car insurance online.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of insurance coverage companies and their possible discounts are detailed below.

• GEICO may offer discounts for defensive driver, good student, emergency military deployment, anti-theft, five-year accident-free, and military active duty.
• Travelers may include discounts for home ownership, driver training, continuous insurance, student away at school, and new car.
• Farm Bureau discounts include multi-vehicle, good student, safe driver, youthful driver, renewal discount, multi-policy, and driver training.
• Liberty Mutual includes discounts for preferred payment discount, teen driver discount, newly married, multi-car, safety features, and good student.
• American Family offers premium reductions for early bird, good driver, TimeAway discount, Steer into Savings, bundled insurance, and defensive driver.
• Progressive policyholders can earn discounts including homeowner, online signing, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.

Check with each company or agent to give you their best rates. Savings may not apply to policies in every state. To locate insurance companies with discount insurance coverage rates, enter your zip code here.

Can you really save that much by switching?

Consumers can’t get away from all the ads that claim the best car insurance rates from companies such as GEICO, State Farm and Progressive. They all seem to state the claim that drivers will save a bundle if you switch your policy.

How does each company charge less that you’re paying now? It’s all in the wording.

All the different companies quote their cheapest rates for the driver that will generate a profit. A good example of a driver they prefer might have to be between 30 and 50, has other policies, and drives less than 7,500 miles a year. Someone that fits those parameters will get a cheap rate quote and have a good chance to save quite a bit of money when switching.

Potential insureds who do not match the ideal profile may receive higher prices which leads to business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can make the claims of big savings.

This emphasizes why drivers should compare free car insurance quotes often. Because you cannot predict with any certainty which company will give you the biggest savings.

Will just any policy work for me?

When buying adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether you may require specific advice.

• Does coverage extend to a rental car in a foreign country?
• When should my teen driver be added to my policy?
• Is my babysitter covered when using my vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does insurance cover tools stolen from my truck?
• Is my camper covered by my car insurance policy?
• Do I get a pro-rated refund if I cancel my policy early?
• Who is covered by my policy?
• Should I bundle my homeowners policy with my auto?
• When can I cancel my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liability limits.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property. 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 liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, hitting a deer, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your S7 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, crashing into a ditch, colliding with a tree and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, nursing services, rehabilitation expenses, funeral costs and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

More affordable insurance coverage can be purchased on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and most of the time these regional insurance providers only sell coverage through local independent agents.

Insureds switch companies for many reasons like policy cancellation, high rates after DUI convictions, being labeled a high risk driver or even not issuing a premium refund. Whatever your reason, finding a new company can be easy and end up saving you some money.

As you quote car insurance, never buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.