Finding the Cheapest Car Insurance for an Audi Allroad Made Easy

Drivers have lots of choices when trying to find the best price on Audi Allroad insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to compare rates. There is a better way to shop for car insurance and you need to know the quickest way to quote coverages on a Audi and locate the cheapest rates from local insurance agents and online providers.

If you are paying for car insurance now, you will be able to save some money using this information. The purpose of this post is to let you in on how to effectively get price quotes and some money-saving tips. But consumers need to learn the way insurance companies sell insurance online and use this information to your advantage.

Parts of the Audi Allroad rate equation

It’s important that you understand the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

The list below includes a partial list of the pieces companies use to determine rates.

Your car insurance rates can be influenced by your job – Careers like judges, executives and accountants tend to have higher rates than average due to high stress and long work hours. On the flip side, occupations such as farmers, athletes and retirees receive lower rates for Allroad insurance.
Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can get tricked into buying on your Allroad policy. Coverages like vanishing deductibles, accidental death and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money get rid of them and save.
Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Audi Allroad has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Lower deductibles cost more – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Audi. A few examples of covered claims would be collision with another vehicle, damage from fire, and burglary. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The higher the amount you have to pay, the less your company will charge you for insurance for Allroad insurance.
Do you know you’re credit rating? – A driver’s credit rating is a large factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit. If your credit rating can use some improvement, you could save money insuring your Audi Allroad by spending a little time repairing your credit.
More performance means more cost – The make and model of the car you are insuring makes a big difference in how high your rates are. The most favorable rates are usually for small economy passenger cars, but the final cost of insurance is determined by many other factors. Since the Audi Allroad is a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live.

Cut your premium with discounts

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find ways to save on car insurance.

Senior Citizens – Older drivers may qualify for better car insurance rates for Allroad insurance.
Paperless Signup – A few companies may give you up to $50 just for signing your application on their website.
Accident Waiver – Certain companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

To see a list of providers with discount car insurance rates, follow this link.

Comparing rates from local agents

Some consumers prefer to buy from a local agent and there is nothing wrong with that. The biggest benefit of comparing rates online is that you can obtain the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to agents in your area who will compete for your insurance coverage. There is no need to drive around since price quotes are sent immediately to your email address. How cool is that?! You can find the lowest rates and a licensed agent to work with.

Picking a company requires more thought than just the premium amount. Any agent should have no problem answering these questions: auto insurance

Is the agent and/or agency licensed to do business in your state?
What are the financial ratings for the companies they represent?
How long has their agency been in business?
Does the agency provide any after hours assistance?
Do they specialize in personal lines coverage?
Do they feel the quoted coverages are adequate?

Choose the right auto insurance agent

When looking for a reliable agent, there are two types of insurance agents from which to choose. Agencies are either independent or captive.

Agency Captives

These agents are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so keep that in mind. Captive agents receive extensive training on their company’s products which helps them compete with independent agents. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and strong financial ratings.

Independent Agents

Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, it’s recommended you contact at a minimum one independent agency to have the most options to choose from.Many can place coverage with lesser-known insurance companies which may provide better rates.

To view a complete directory of agents, visit this page.

Once you have reasonable responses and an affordable coverage quote, you may have just found an insurance agency that is a good match to adequately provide car insurance.

Don’t be fooled by advertising claims

Car insurance providers like State Farm, GEICO and Progressive consistently run ads on TV and radio. They all make the same claim about savings if you change to their company. But how can every company make the same claim?

All companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer might be between 25 and 40, is a homeowner, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match this ideal profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently make those claims. Because of the profiling, you should compare as many rates as you can. It’s just too difficult to predict which company will provide you with the cheapest rates.

It’s not one size fits all

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

Will my vehicle be repaired with OEM or aftermarket parts?
Can I afford low physical damage deductibles?
What are the financial responsibility laws in my state?
Do I have any recourse if my insurance company denies a claim?
Is rental equipment covered for theft or damage?
Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Affordable insurance is out there

Budget-conscious Audi Allroad insurance can be found online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online price quotes and these small insurance companies work with independent agents.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as questionable increases in premium, policy cancellation, poor customer service or lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.