8 Tips Proven to Save on Audi Allroad Auto Insurance Expenses

Are you tired of being strong-armed to insure your Audi every month? You are no different than the majority of other car owners.

Drivers have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to find the lowest rates.

You need to check auto insurance prices at least once a year since rates are usually higher with each renewal. Even if you think you had the best rates for Allroad insurance six months ago the chances are good that you can find a lower rate today. So just block out anything you think you know about auto insurance because you’re going to learn how to quote online to lower your annual insurance bill.

How to Compare Auto Insurance Costs

All the larger auto insurance companies like Allstate, GEICO and Progressive give insurance quotes online. Getting online rates is quite easy as you simply enter your coverage information as requested by the quote form. Upon sending the form, their system requests information on your driving record and credit history and gives you a price quote based on these and other factors. This helps simplify price comparisons, but having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s very important to do this if you want to find a better rate.

A more efficient way to find better auto insurance pricing utilizes a single form to get prices from many companies. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can select any one of the returned quotes.

If you find a better price you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to compare pricing, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended that you enter the insurance coverages identical to your current policy. This makes sure you will be getting rate comparison quotes using the same coverage and limits.

Drivers who switch save $405 a year? Really?

Companies like Allstate, GEICO and Progressive regularly use television and radio advertisements. All the ads say the same thing of big savings if you move your coverage to them. How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer might be profiled as between 25 and 40, a clean driving record, and has a high credit rating. A driver who meets those qualifications will get very good rates and as a result will probably save a lot of money.

Consumers who don’t meet the “perfect” profile will be charged higher prices and ends up with business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the savings.

That is why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest rates.

Don’t overlook these eight discounts

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some must be inquired about before they will apply.

Defensive Driver – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
No Accidents – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
Bundle and Save – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
No Charge for an Accident – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because you may think you could get a free auto insurance policy, you won’t be that lucky. But any discount will help reduce your overall premium however.

To see a list of insurance companies with discount auto insurance rates, click this link.

Is my situation unique?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether or not you may require specific advice.

Does coverage extend to a rental car in a foreign country?
Does my insurance cover my expensive audio equipment?
Am I covered if I wreck a rental car?
Can my teen driver be rated on a liability-only vehicle?
Do I really need UM/UIM coverage?
Should I buy more coverage than the required minimum liability coverage?
How can I get high-risk coverage after a DUI?
Is rental equipment covered for theft or damage?
What if I don’t agree with a claim settlement offer?
When do I need to add a new car to my policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Coverage for liability – This will cover damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, emergency aid, legal defense fees, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, hitting a deer, hail damage, a tree branch falling on your vehicle and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Audi Allroad.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

A little work can save a LOT of money

In this article, we presented a lot of information how to shop for Audi Allroad insurance online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Low-cost Audi Allroad insurance can be bought on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.