2017 Audi S7 Insurance Quotes in 2024

Feeling guilty for buying an underperforming, overpriced car insurance policy? Believe me, you’re not alone. Big companies like Progressive, State Farm and GEICO continually bombard you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It is always a good idea to price shop coverage before your policy renews because prices fluctuate regularly. Even if you think you had the best rate on S7 coverage last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

How to buy auto insurance online

Reducing your 2017 Audi S7 insurance rates is a fairly straight forward process. The only requirement is to take the time comparing rates to find out which insurance company has cheap insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

Without a doubt, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison. This easy form prevents you from having to do a different quote for each company. A single, simple form compares rates from auto insurance companies with the best prices.

A less efficient way to analyze rates requires visiting the website of each company and request a quote. For instance, we’ll pretend you want to compare rates from Farmers, 21st Century and State Farm. In order to get each rate, you would have to take the time to go to each site and enter your policy data, which can get rather old.

It’s your choice how you get your quotes, but make darn sure you compare equivalent information on every price quote you get. If the quotes have differing limits it will be nearly impossible to make a fair rate comparison.

Take policy discounts and save

Some insurers do not advertise all available discounts in an easy-to-find place, so below is a list both well-publicized and also the lesser-known credits available to you.

• Telematics Discount – Insureds that choose to allow data collection to monitor driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less on S7 coverage than drivers with accident claims.
• Buy New and Save – Adding a new car to your policy may earn a small discount due to better safety requirements for new vehicles.
• First Accident Forgiveness – Not really a discount, but companies like GEICO and Allstate allow you one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of more than 20%.
• ABS Brakes – Cars equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
• Service Members Pay Less – Having an actively deployed family member could qualify you for better rates.
• Senior Citizen Discount – Drivers over the age of 55 may receive better insurance coverage rates on S7 coverage.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will bring down the amount you have to pay.

Some companies that may have some of the above discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before you buy a policy, ask each insurance company which discounts you may be entitled to. Some discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies who offer cheap insurance coverage quotes, enter your zip code here.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you may require specific advice.

• Do I pay less for low miles?
• What is covered by UM/UIM coverage?
• Do I need PIP coverage since I have good health insurance?
• Am I missing any policy discounts?
• What is medical payments coverage?
• Do I need special endorsements for business use of my vehicle?
• What is the ISO rating for a 2017 Audi S7?
• Can I rate high risk drivers on liability-only vehicles?
• When can I cancel my policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Car insurance coverages and their meanings

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Collision coverages – Collision coverage covers damage to your S7 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, emergency aid, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses such as surgery, doctor visits, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi S7.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, a tree branch falling on your vehicle, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Never pay more for less

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

Cheaper 2017 Audi S7 insurance can be found both online as well as from independent agents, so get free insurance quotes from both of them to have the best selection. Some companies may not offer internet price quotes and these regional carriers sell through local independent agencies.

We’ve covered many tips how you can get a better price on 2017 Audi S7 insurance. The key concept to understand is the more you quote insurance, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and GEICO.