Lower Your 2014 Audi S7 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: Jun 6, 2024

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Looking for lower insurance coverage rates for your Audi S7? Do you get confused by the wide range of insurance coverage providers in your area? Many other drivers are as well. people have so many options that it can turn into a real difficult job to lower your rates.

It’s a great practice to quote other rates periodically because insurance coverage prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for S7 coverage two years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out the right way to buy cheaper insurance coverage.

How insurance companies calculate Audi S7 insurance rates

Consumers need to have an understanding of some of the things that help calculate your policy premiums. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Lots of factors are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but other factors are more transparent like where you live and annual miles driven.

Shown below are just a few of the factors used by your company to calculate your premiums.

  • Annual mileage and car insurance rates – The more miles you rack up on your Audi in a year’s time the more you will pay for auto insurance. A lot of insurance companies apply a rate partially by how you use the vehicle. Cars that are left in the garage receive better premium rates compared to those used for work or business. Incorrect rating for your S7 may be costing you higher rates. It’s a smart idea to ensure your auto insurance policy is rated on the correct usage, because improper ratings can cost you money.
  • Use one insurance company and save – Most major insurers apply a discount to insureds that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you qualify for this discount already, consumers should still compare other company rates to ensure the best deal.
  • Women tend to be lower risk – Statistics have proven that females take fewer risks when driving. However, this does not mean men are worse drivers. Both genders cause at-fault accidents at about the same rate, but the men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high auto insurance rates.
  • A auto insurance lapse can increase premiums – Allowing your coverage to lapse is a quick way to pay more for auto insurance. And not only will your rates increase, not being able to provide proof of insurance might get you a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Raise your coverage deductibles for better costs – The deductibles define the amount you are required to pay in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a stationary object, animal collisions, or theft of your vehicle. The more of the claim you have to pay, the less your company will charge you for insurance for S7 coverage.

Lower rates by qualifying for discounts

Auto insurance is neither fun to buy or cheap, but there could be available discounts that can dramatically reduce your bill. Certain reductions will be credited at the time of quoting, but a few must be asked about before you get the savings.

  • Professional Organizations – Affiliation with certain professional organizations could earn you a nice discount on your bill.
  • Accident Waiver – Not a discount per se, but some companies like GEICO and Allstate will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Early Renewal Discounts – Select companies give a discount for buying a policy early. You may see this discount when you get insurance quotes online.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Multiple Cars – Drivers who insure all your vehicles with the same auto insurance company may reduce the rate for each vehicle.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you could get a free auto insurance policy, it’s just not the way it works.

Large auto insurance companies and the discounts they provide are:

  • State Farm has savings for anti-theft, Steer Clear safe driver discount, good student, student away at school, multiple policy, and multiple autos.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, good student, online quote discount, continuous coverage, and homeowner.
  • Progressive offers discounts for good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
  • MetLife may include discounts for accident-free, multi-policy, defensive driver, good driver, good student, claim-free
  • Farm Bureau offers discounts including good student, 55 and retired, multi-vehicle, multi-policy, renewal discount, safe driver, and youthful driver.
  • GEICO may have discounts that include military active duty, air bags, daytime running lights, emergency military deployment, and anti-theft.
  • SAFECO has discounts for teen safe driver, anti-theft, teen safety rewards, homeowner, bundle discounts, multi-car, and safe driver.

If you need the cheapest insurance quotes, ask all companies you are considering how you can save money. All car insurance discounts may not apply to policies in your state.

Car insurance ads are enticing

Car insurance providers like State Farm, GEICO and Progressive continually stream ads on television and other media. All the ads tend to make the same promise that you’ll save big if you move your policy. How is it possible that every company can say the same thing? This is the trick they use.

Insurance companies quote their best rates for the type of insured that is profitable for them. For instance, this type of risk profile may be between 25 and 40, carries full coverage, and drives a car with an anti-theft system. A customer getting a price quote that fits those parameters will get the preferred prices and therefore will cut their rates if they switch.

Insureds who fall short of this stringent profile may receive higher prices with the end result being the customer not purchasing. Company advertisements say “customers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully claim big savings. Because of the profiling, you really should compare price quotes frequently. It is impossible to guess which company will fit you best based on your risk profile.

Insurance is unique, just like you

When it comes to buying the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help you determine if you might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should my teen driver be added to my policy?
  • What is medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • Can I get a multi-policy discount?
  • Are my friends covered when driving my 2014 Audi S7?
  • When do I need to add a new car to my policy?
  • Will my insurance pay for OEM parts?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and enter your zip code.

Car insurance specifics

Knowing the specifics of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Audi S7.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, rehabilitation expenses, doctor visits, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision – This pays for damage to your S7 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail, backing into a parked car, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, vandalism and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – This coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Pennies from heaven

Low-cost 2014 Audi S7 insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not offer internet price quotes and these regional insurance providers sell through independent agents.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, questionable increases in premium, high prices and policy cancellation. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

You just read some good ideas how to get a better price on 2014 Audi S7 insurance. The key concept to understand is the more you quote insurance, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the lesser-known companies.

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