Compare 2020 Audi S7 Insurance Quotes in 2024

Trying to find lower car insurance rates for your Audi S7? Think you have high-priced car insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance. People have many insurers to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to locate the cheapest rates.

How to compare free car insurance quotes

Effectively comparing car insurance prices can be a daunting task if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Most major companies take part in a program where insurance shoppers only type in their quote data once, and every company then returns a price quote for coverage. This saves time by eliminating quote requests for each company.

To compare rates using this form now enter your zip code here.

One minor caveat to comparing rates this way is that consumers can’t choose which insurance companies you want to price. So if you prefer to choose from a list of companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click to enter zip code.

It’s up to you which method you use, but make darn sure you compare identical coverage information for each price quote. If the quotes have different coverage information you will not be able to make an equal comparison.

Insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but you might already qualify for some discounts to help bring down the price. Some trigger automatically when you purchase, but a few must be inquired about before you get the savings.

• Telematics Discount – Drivers who elect to allow their insurance company to analyze driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
• Senior Discount – Mature drivers may be able to get a discount up to 10% for S7 insurance.
• Multi-car Discount – Insuring more than one vehicle with one company can get a discount for every vehicle.
• Federal Government Employee – Active or former government employment may qualify for a discount when you quote auto insurance for S7 insurance with select insurance companies.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride. But any discount will definitely reduce your policy premium.

Companies and some of their more popular discounts include:

• GEICO discounts include military active duty, driver training, air bags, good student, multi-policy, and seat belt use.
• MetLife offers discounts for good driver, defensive driver, claim-free, multi-policy, and good student.
• Progressive offers premium reductions for multi-policy, continuous coverage, multi-vehicle, online quote discount, online signing, and good student.
• Travelers may offer discounts for multi-car, multi-policy, driver training, continuous insurance, early quote, good student, and payment discounts.
• SAFECO has savings for anti-theft, homeowner, multi-car, accident prevention training, teen safety rewards, drive less, and bundle discounts.
• AAA may include discounts for education and occupation, good driver, multi-car, good student, and anti-theft.

Double check with each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. If you would like to see a list of companies that offer many of these discounts, enter your zip code here.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether or not you will benefit from professional help.

• Am I better off with higher deductibles on my 2020 Audi S7?
• Why am I required to buy liability insurance?
• What should my uninsured motorist coverage limits be in my state?
• Is my nanny covered when driving my vehicle?
• Am I covered if I drive in a foreign country?
• Do I have coverage for damage caused while driving under the influence?
• When should I drop full coverage on my 2020 Audi S7?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage specifics

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like surgery, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your S7 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability

Liability insurance will cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, repair costs for stationary objects, court costs, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hitting a bird and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.