Buyers have a choice when searching for affordable Audi Allroad insurance. They can either waste time contacting agents getting price quotes or use the internet to find the lowest rates.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to compare rates for your Audi and find the best price possible either online or from local insurance agents.
It is always a good idea to get comparison quotes periodically because prices trend upward over time. Even if you think you had the best deal on Allroad insurance six months ago you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because it’s time to teach you the only way to reduce your cost while increasing coverage.
Cut your premium with discounts
Car insurance is not cheap, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but less common discounts must be requested specifically before they will apply.
- Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
- Paperless Signup – Certain companies give back up to $50 simply for signing digitally online.
- Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Defensive Driving Course – Completing a defensive driving course could save 5% or more if your company offers it.
A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.
For a list of insurers who offer car insurance discounts, click here.
Why your Audi Allroad insurance rates may be high
It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Listed below are some of the items used by your company to calculate prices.
- Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
- More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies give lower rates to insureds who do not file claims often. Auto insurance is intended for the large, substantial claims.
- Equipment add-ons that lower car insurance rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
- Careful drivers pay lower rates – Only having one citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to continue driving.
Insurance agents can help
When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining if you may require specific advice.
- What are the best liability limits?
- What should my uninsured motorist coverage limits be in my state?
- Am I covered if I drive in a foreign country?
- Do I get a pro-rated refund if I cancel my policy early?
- Can I still get insurance after a DUI?
- Which companies will insure high-risk drivers?
- Do I need medical payments coverage since I have good health insurance?
- Are rental cars covered under my policy?
- Do I need rental car coverage?
- Am I covered if I wreck a rental car?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.
Your insurance agent down the street
Certain consumers would prefer to buy from a licensed agent and that is just fine! The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. And providing support for local businesses is important especially in smaller communities.
For easy comparison, once you complete this short form, your insurance data is immediately sent to insurance agents who will compete for your insurance coverage. You never need to drive around because quoted prices will be sent to your email. It doesn’t get any easier! You can find better rates and a licensed agent to work with.
If you wish to select a specific agent in your state, click here.
Choosing an insurer shouldn’t rely on just a cheap price. Some important questions to ask are:
- Do the companies they represent have a solid financial rating?
- What insurance company do they write the most business with?
- Who are their largest clients?
- Can they provide you with a list of referrals?
- If you are a high risk driver, do they have special markets for your coverage?
After getting acceptable answers to all your questions and locked in a price quote, it’s possible that you found an insurer that can properly insure your vehicles.
The car insurance bait and switch
Car insurance companies such as State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to say the same thing about savings if you switch to them. How can each company claim to save you money? It’s all in the numbers.
All the different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be between 25 and 40, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.
Drivers who do not match this ideal profile will be quoted higher premiums which leads to the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make those claims.
This emphasizes why drivers should compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest rates.
More effort can pay off
We just presented a lot of ways to shop for Audi Allroad insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with the least-expected company.
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Cheaper Audi Allroad insurance is definitely available both online as well as from independent agents in your state, so you should compare both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
