2014 Audi Q7 Insurance Cost

Want cheaper insurance rates for your Audi Q7? I doubt anyone is fond of buying insurance, especially when they are aware that they are paying too much. You have so many auto insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to get the best deal.

You need to compare prices occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the best rates for Q7 coverage last year you can probably find a better premium rate now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to lower your rates without sacrificing coverage.

What affects Audi Q7 insurance prices?

Consumers need to have an understanding of the different types of things that help calculate your premiums. If you know what determines premiums, this allows you to make educated decisions that could result in better insurance rates. Many different elements are considered when you get your auto insurance bill. Most are fairly basic such as your driving record, although some other factors are more obscure such as your credit history or your vehicle rating.

• Costs and your address – Residing in a small town has it’s advantages when insuring your vehicles. Urban drivers have to deal with much more traffic and much longer commute distances. Fewer drivers on the road means fewer accidents and a lower car theft rate.
• Gender is a factor – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men cause accidents in similar numbers, but guys tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• lapses raise premiums – Having an insurance coverage lapse will be a quick way to trigger a rate increase. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Vehicles with better crash test results lower prices – Cars with high safety ratings cost less to insure. Safer cars reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
• Lower miles driven equals lower premium – The higher the mileage driven every year the higher your rate. A lot of insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. Having the wrong rating on your Q7 is throwing money out the window. It’s a smart idea to ensure your vehicle rating shows how each vehicle is driven.
• Only buy add-on coverages you need – There are many optional add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea initially, but your money might be better spent on other coverage so consider taking them off your policy.
• Raise your comp and collision deductibles for better prices – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims could be a broken windshield, damage from fire, and damage from a fallen tree branch. Your deductibles tell how much you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Q7 coverage.

Auto insurance companies offer lots of discounts

Some companies don’t always publicize all possible discounts in an easy-to-find place, so we researched a few of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

• Early Renewal Discounts – Some larger companies provide a discount for switching companies early. You could save around 10% when you buy car insurance online.
• Defensive Driver Discount – Taking time to complete a safe driver class may get you a small discount if you qualify.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.
• Memberships – Belonging to a qualifying organization is a simple method to lower premiums on your policy.
• Anti-lock Brake System – Cars with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
• E-sign Discounts
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.
• Low Mileage – Driving fewer miles can qualify you for substantially lower premium rates.

Don’t be surprised that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Auto insurance companies that may offer quotes with most of the discounts above are:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When comparing rates, check with every insurance company which discounts you qualify for. Discounts might not apply everywhere. To see providers who offer discounts, click here.

Do I just need basic coverages?

When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if you will benefit from professional help.

• Why do I only qualify for high-risk insurance?
• Does my insurance cover a custom paint job?
• Are my friends covered when driving my car?
• I don’t drive much so do I pay less?
• Is borrowed equipment or tools covered if stolen or damaged?
• When can I cancel my policy?
• Does insurance cover damages from a DUI accident?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of car insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Liability insurance

Liability insurance provides protection from damage or injury you incur to people or other property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like structural damage, medical expenses, court costs and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for chiropractic care, X-ray expenses, surgery and EMT expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, hail damage, vandalism and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your Q7 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, colliding with a tree, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

The bottom line

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Lower-priced 2014 Audi Q7 insurance can be bought from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis. There are still a few companies who don’t offer price quotes online and most of the time these small, regional companies sell through independent agents.

More information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)