View 2014 Audi S7 Car Insurance Rates

Want better insurance coverage rates for your Audi S7? Having to pay for overpriced Audi S7 insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

Drivers have multiple insurance companies to insure vehicles with, and even though it’s nice to be able to choose, so many choices can make it hard to adequately compare rates.

Shopping for cheaper insurance coverage is simple if you know the tricks. Just about anyone who is required by state law to have insurance will be able to find better rates. But consumers benefit from understanding the methods companies use to sell online and use this information to your advantage.

Compare Auto Insurance Today

Shopping for lower auto insurance rates can be challenging if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to agents in your area, or you can utilize the internet to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a competitive quote based on that data. This eliminates the need for quotation requests to each individual auto insurance company.

To compare 2014 Audi S7 rates now click to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose the providers to get pricing from. So if you want to choose from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use identical coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits you will not be able to determine the lowest rate for your Audi S7. Slightly different coverage limits can make a big difference in price. And when comparing auto insurance rates, know that comparing more company’s prices will enable you to find lower pricing.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about before being credited.

  • Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Bundle and Save – When you have multiple policies with one company you may earn at least 10% off all policies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount when shopping for insurance for S7 coverage.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% for S7 coverage.

It’s important to understand that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut your premiums.

To see a list of insurers who offer insurance discounts, follow this link.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy additional glass protection?
  • I don’t drive much so do I pay less?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Audi S7 insurance rates have many determining factors

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

  • How many coverages with the same company – The majority of insurers will award you with lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare other company rates to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Audi from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for S7 coverage.
  • Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Young drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Being married is a good thing – Having a spouse actually saves money on auto insurance. Marriage usually means you are more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • More people means more accidents – Being located in a rural area has it’s advantages when it comes to auto insurance. City drivers have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents as well as less vandalism and auto theft.

Coverages available on your insurance policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2014 Audi S7.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s 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 combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, medical services, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your S7 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like doctor visits, dental work, chiropractic care, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hail damage and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Saving money makes a lot of cents

Cheap 2014 Audi S7 insurance is available from both online companies as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online price quotes and these small, regional companies work with independent agents.

You just learned a lot of techniques to shop for insurance online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from the least-expected company. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

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