2019 Audi A7 Insurance Rates in 2024 – 5 Policy Discounts

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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 8, 2024

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Searching for lower insurance rates for your Audi A7? If you’re looking for lower-cost insurance, are you confused by the sheer number of insurance providers available to you? You’re not alone. Consumers have so many choices that it is more work than you anticipated to lower your prices.

It is always a good idea to take a look at other company’s rates yearly because insurance rates are adjusted regularly by insurance companies. If you had the best rate on A7 coverage a few years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re going to get a crash course in how to use the internet to reduce your cost while increasing coverage.

Pricing the cheapest protection can be fairly easy. Essentially anyone who is shopping for insurance should be able to save money. Although car owners can benefit from knowing how companies determine prices and take advantage of how the system works.

Compare insurance rates

Comparing insurance rates is a ton of work if you don’t know the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quotes for quick rates.

Most of the larger companies enroll in a system where prospective buyers submit one quote, and at least one company provides a quote based on that data. This prevents consumers from doing quotation requests to each individual insurance company. To find out how much you can save on insurance enter your zip code here.

The single downside to pricing coverage this way is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits with every price quote. If you enter different coverage information it will be very difficult to determine which company has the best rates. Just a small difference in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, comparing all the rates in your area will enable you to find the best rates. Some smaller insurers to not give prices over the internet, so it’s important to also get rates from those companies as well.

Do you qualify for these five discounts?

Some insurance providers don’t list all discounts very clearly, so the list below details a few of the more common as well as the least known credits available to you.

  • Use Seat Belts – Drivers who require all occupants to buckle up before driving can save a little off the PIP or medical payment premium.
  • Professional Memberships – Being a member of a professional or civic organization could qualify you for a break when shopping for insurance coverage.
  • Air Bags and Passive Restraints – Options like air bags can get savings of 20% or more.
  • Renewal Discounts – A few insurance companies offer discounts for buying a policy before your current expiration date. You could save around 10% when you buy insurance online.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.

Policy discounts save money, but most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers that have a full spectrum of discounts, enter your zip code here.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • Are my friends covered when driving my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I really need UM/UIM coverage?
  • Is my custom paint covered by insurance?
  • Where can I find DUI or SR-22 insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete your zip code.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, hitting a parking meter 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. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Audi A7.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. 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. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, ambulance fees, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Power to the consumer

Some insurance providers don’t offer internet price quotes and these smaller providers provide coverage only through independent agencies. Lower-priced 2019 Audi A7 insurance can be sourced on the web and with local insurance agents, and you should be comparing both to get a complete price analysis.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, but do not skimp to save money.

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, not issuing a premium refund or questionable increases in premium. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

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