2013 Audi S7 Car Insurance Rates

Trying to find the cheapest insurance rates? Buyers have many options when searching for low-cost Audi S7 insurance. They can either spend hours calling around to get rate comparisons or utilize the internet to get rate quotes. There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage for a Audi and obtain the lowest price from local insurance agents and online providers.

Auto insurance companies offer many types of discounts

Auto insurance companies do not advertise every policy discount in an easy-to-find place, so the list below gives a summary of some of the best known and the more hidden savings tricks you should be using when you buy car insurance online.

  • Multiple Cars – Purchasing coverage when you have multiple cars on one policy can reduce rates for all insured vehicles.
  • Driver Training Discounts – Taking time to complete a defensive driver course could earn you a small percentage discount and also improve your driving technique.
  • Homeowners Savings – Just owning your own home may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
  • College Student Discount – College-age children living away from home attending college and do not take a car to college may be insured at a cheaper rate.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Larger auto insurance companies and some of the discounts can be found below.

  • State Farm includes discounts for good student, safe vehicle, driver’s education, defensive driving training, and multiple autos.
  • Nationwide discounts include Farm Bureau membership, multi-policy, business or organization, accident-free, and easy pay.
  • Geico offers discounts including daytime running lights, air bags, seat belt use, federal employee, good student, and multi-policy.
  • AAA policyholders can earn discounts including good driver, anti-theft, multi-policy, multi-car, and AAA membership discount.
  • 21st Century may offer discounts for anti-lock brakes, air bags, theft prevention, teen driver, driver training, and good student.
  • The Hartford may have discounts that include anti-theft, vehicle fuel type, bundle, good student, driver training, air bag, and defensive driver.

Double check with every insurance company to apply every possible discount. Some credits may not be available in your area. If you would like to choose from a list of insurance companies with the best discounts, click here to view.

How your S7 insurance rates are determined

When buying insurance coverage it’s important to understand some of the elements that help calculate your premiums. When consumers understand what determines base rates, this helps enable you to make changes that could help you find lower insurance coverage prices. Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but others are more obscure like your continuous coverage or your commute time.

  • Youthful drivers cost more – Inexperience drivers are statistically proven to be careless and easily distracted when driving with friends therefore insurance coverage rates are much higher. Adding a young driver onto your insurance coverage can be very expensive. Older people tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Prices also based on gender – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women are in fender benders in similar numbers, but the men have accidents that have higher claims. They also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore are the most expensive to insure.
  • Do you really need roadside assistance? – There are quite a few optional add-on coverages that can waste your money on your insurance coverage policy. Coverage for things like personal injury protection, accident forgiveness, and extra equipment coverage are examples of these. The coverages may be enticing when discussing your needs, but your needs may have changed so get rid of them and save.
  • Do safer cars cost less to insure? – Safe vehicles cost less to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders. If the Audi S7 earned at least four stars on Safercar.gov you may be receiving a better rate.
  • Save money with higher coverage deductibles – Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Audi. Some instances where coverage would apply would be colliding with a building, hitting a deer, and burglary. Deductibles for physical damage represent how much money you are required to spend out-of-pocket if the claim is covered. The higher the amount you have to pay, the lower your rates will be for S7 coverage.

Do I just need basic coverages?

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • Am I covered by my spouse’s policy after a separation?
  • When would I need rental car insurance?
  • How can I force my company to pay a claim?
  • Can I rent a car in Mexico?
  • Does my medical payments coverage pay my health insurance deductible?
  • How high should deductibles be on a 2013 Audi S7?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Are insurance coverage companies telling the truth?

Consumers can’t get away from all the ads for the lowest price insurance coverage from the likes of 21st Century, Allstate and State Farm. All the ads tend to make the same promise that people will save after switching your insurance coverage policy to them.

How is it possible that every company can lower your prices? This is the trick they use.

All companies have strict underwriting profiles for the right customer that makes them money. For instance, a profitable risk profile might be described as over the age of 40, owns their home, and drives a vehicle with a low ISO rating. Anyone who fits those characteristics receive the lowest rate quotes and will also save some money.

People who are not a match for those standards will see a higher rate which leads to the customer buying from someone else. The ads state “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully advertise the way they do. Because each company has a different risk profile, it’s extremely important to get price quotes at each policy renewal. Because you never know the company that will have the best car insurance rates at this point in time.

Auto insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability coverage can cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, repair costs for stationary objects, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like nursing services, surgery, dental work, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your S7 caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, hail damage and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage on a shoestring budget

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

We’ve covered a lot of information how to compare 2013 Audi S7 insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, questionable increases in premium and even poor customer service. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

More tips and info about auto insurance is located at these sites: