Compare 2014 Audi RS 7 Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 1, 2024

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Trying to come up with a payment for overpriced insurance coverage can dry up your budget and make it tough to pay other bills. Doing a rate comparison is recommended to slash your bill and have more disposable income.

Consumers have multiple car insurance companies to choose from, and even though it’s nice to have a choice, more options can take longer to find the best rates for your vehicles.

The purpose of this post is to teach you the most effective way to quote insurance. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Vehicle owners just need to understand the proper methods to buy insurance coverage on the web.

Car insurance quotes comparison

There are several ways to compare car insurance quotes, and some are more efficient than others. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use the web to get prices fast.

Most major companies belong to a marketplace where prospective buyers submit their information once, and at least one company can give them a price based on that information. This eliminates the need for form submissions for every car insurance company.

To compare pricing enter your zip code here.

One minor caveat to pricing coverage this way is you cannot specify which insurance companies you will receive quotes from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

Take whichever approach you prefer, but make sure you use the exact same coverage limits and deductibles on every price quote you get. If you are comparing different liability limits it will be nearly impossible to make an equal comparison.

Don’t overlook these insurance coverage discounts

Some insurance providers do not advertise the entire discount list very clearly, so the below list has a few of the more common as well as the least known insurance coverage savings. If you’re not getting every credit available, you are not getting the best rate possible.

  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
  • Multiple Vehicles – Buying insurance for multiple cars with the same insurance coverage company could earn a price break for each car.
  • Telematics Data Discounts – Policyholders that allow driving data collection to spy on driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off for RS 7 insurance but check with your company.
  • One Accident Forgiven – Not really a discount, but companies like Allstate and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free for a certain period of time.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, that’s just not realistic. But any discount should help lower your policy premium.

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

  • Farm Bureau may offer discounts for good student, renewal discount, multi-policy, youthful driver, multi-vehicle, driver training, and 55 and retired.
  • MetLife offers discounts including defensive driver, claim-free, good student, multi-policy, good driver, and accident-free.
  • Progressive offers discounts for homeowner, multi-policy, online quote discount, good student, and multi-vehicle.
  • AAA has discounts for good student, good driver, multi-car, AAA membership discount, education and occupation, anti-theft, and multi-policy.
  • American Family has savings for Steer into Savings, multi-vehicle, defensive driver, bundled insurance, and early bird.
  • GEICO may have discounts that include multi-vehicle, military active duty, anti-lock brakes, seat belt use, driver training, emergency military deployment, and membership and employees.
  • State Farm offers premium reductions for multiple autos, defensive driving training, Steer Clear safe driver discount, driver’s education, and student away at school.

It’s a good idea to ask all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area.

When to get professional advice

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Am I insured when driving a different vehicle?
  • Am I covered if my car is in a flood?
  • What is the minimum liability in my state?
  • Is my babysitter covered when using my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2014 Audi RS 7 to commute?
  • Am I covered when pulling a rental trailer?
  • When can I cancel my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

How you can control Audi RS 7 insurance costs

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are less obvious such as your credit history and annual miles driven.

The following are some of the most rate-impacting factors used by insurance companies to determine your prices.

  • Cut insurance rates and deter theft – Selecting a car model with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help prevent auto theft.
  • Your spouse saves you money – Having a significant other can actually save you money when shopping for insurance. Having a significant other usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Do you need those add-on coverages? – There are a lot of extra add-on coverages that can waste your money on your insurance policy. Add-on coverages like rental car reimbursement, towing, and extra equipment coverage could be just wasting money. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Consolidating policies can get discounts – Some insurance companies give lower prices to policyholders that purchase more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even if you qualify for this discount already, you may still want to compare other company rates to help ensure you have the lowest rates.
  • Vocation and insurance premiums – Careers such as lawyers, airline pilots and financial analysts generally pay the highest average rates attributed to intense work situations and lots of time spent away from family. Conversely, professions such as professors, students and performers pay the least for RS 7 insurance.
  • How your age affects premiums – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents . Young drivers are statistically proven to be less responsible when driving with friends so they pay higher insurance rates.
  • Poor credit decisions can cost you – Having a bad credit score can be an important factor in calculating your insurance rates. Therefore, if your credit rating could use some work, you could be paying less to insure your 2014 Audi RS 7 by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit ratings.
  • Where you call home plays a part – Residing in a rural area has it’s advantages when talking about insurance. Fewer drivers on the road means fewer accidents and a lower car theft rate. City drivers have more aggressive driving styles and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like nursing services, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi RS 7.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This covers damage to your RS 7 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage covers 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 insurance covers claims such as damage from a tornado or hurricane, fire damage, falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Summing up your insurance coverage search

When searching for low cost insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Lower-priced insurance coverage can be bought from both online companies as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies don’t offer online quoting and many times these small, regional companies work with independent insurance agents.

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