Lower Your 2021 Audi A7 Insurance Cost 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 8, 2024

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Looking for better insurance rates for your Audi A7? Trying to come up with a payment for expensive insurance can drain your bank account and require stricter spending habits.

There is such a variety of auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to find the lowest rates.

It’s a good habit to shop coverage around before your policy renews because insurance rates are adjusted regularly by insurance companies. Just because you found the best deal for A7 insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because you’re going to learn the best way to find better rates and still maintain coverage.

Take policy discounts and save

Insurance coverage is easily one of your largest bills, but you might already qualify for some discounts that many consumers don’t even know exist. Some discounts will apply when you complete an application, but once in a while a discount must be specifically requested before you get the savings.

  • Federal Employees – Federal government employees can earn a discount up to 10% for A7 insurance but check with your company.
  • 55 and Retired – If you qualify as a senior citizen, you can get a discount up to 10% for A7 insurance.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies will forgive one accident before your rates go up so long as you are claim-free for a certain period of time.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce the cost of your policy.

If you would like to choose from a list of providers with significant discounts, enter your zip code here.

Get cheap insurance rates by understanding these factors

Many things are part of the equation when pricing auto insurance. Most are fairly basic like an MVR report, but some are not as apparent like your vehicle usage or your financial responsibility. It’s important that you understand a few of the rating criteria that come into play when calculating your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to lower premium levels.

The itemized list below are some of the items companies use to determine prices.

  • Poor credit history equals high rates – A driver’s credit score can be an important factor in your rate calculation. Therefore, if your credit history could use some work, you could be paying less to insure your 2021 Audi A7 by spending a little time repairing your credit. Consumers who have very high credit ratings tend to file fewer claims than drivers who have lower credit scores.
  • Gender impacts premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both are in fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI.
  • Stay claim-free and save money – Companies award cheaper rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Proper usage rating affects rates – Driving more miles each year the higher your rate. Almost all companies charge rates based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. It’s always a good idea to double check that your policy is rated on the correct usage. An improperly rated A7 may be costing you.
  • Choose high crash test ratings and save – Vehicles with high crash test scores cost less to insure. Safer cars reduce occupant injuries and fewer injuries means your insurance company pays less which can mean better rates for you. If your Audi A7 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Traffic violations hurt – Getting just one ticket could increase your next policy renewal by as much as twenty percent. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who get careless violations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Do I need an umbrella policy?
  • How do I file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 2021 Audi A7?
  • Do I benefit by insuring my home with the same company?
  • Is my state a no-fault state?
  • What if I total my 2021 Audi A7 and owe more than it’s worth?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete your zip code.

Big names are not always cheapest

Car insurance companies such as Progressive, Allstate and GEICO consistently run ads on television and other media. They all seem to advertise the message of big savings just by moving your coverage. Is it even possible that every company can make the same claim?

All the different companies have an ideal profile for the type of customer that will not have excessive claims. For instance, this type of driver might have to be over the age of 50, has had continuous coverage, and drives a vehicle with a low ISO rating. Any driver that meets those criteria will get very good prices and is almost guaranteed to save a lot if they switch.

Drivers who are not a match for those criteria will see higher premiums and this results in the customer not buying. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save money. That is how insurance companies can make those statements.

Each company has different criteria, so drivers should do a price quote comparison at every renewal. It’s just too difficult to predict which company will have the best rates.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision insurance

Collision insurance covers damage to your A7 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Audi A7.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Liability car insurance

This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, medical expenses, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for X-ray expenses, pain medications and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

In Summary

When shopping online for car insurance, never buy poor coverage just to save money. In too many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big error on their part. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of techniques to get a better price on 2021 Audi A7 insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with some of the smallest insurance companies. Some small companies can often provide lower prices in certain areas compared to the large companies like Allstate or State Farm.

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