Five Minute Guide to Lower Audi Coupe Insurance on the Internet

Locating cheaper insurance for your Audi Coupe can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to shop for car insurance so you’re going to learn the proper way to quote coverages for your Audi and find the lowest possible price either online or from local insurance agents.

It’s a good habit to take a look at other company’s rates once or twice a year because prices change regularly. Despite the fact that you may have had the best price on Coupe insurance last year you can probably find a better price now. So just forget anything you know (or think you know) about car insurance because it’s time to teach you one of the easiest ways to save money, get proper coverage and the best rates.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be requested specifically prior to getting the savings.

• Club Memberships – Belonging to a professional or civic organization may earn a discount when shopping for car insurance on Coupe insurance.
• Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
• Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Own a Home – Owning a house can save you money because maintaining a house shows financial diligence.
• Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Coupe insurance than drivers with accidents.
• Accident Free – Claim-free drivers can earn big discounts compared to frequent claim filers.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Coupe insurance.
• Multi-policy Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.

It’s important to understand that some credits don’t apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

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

Cheap Car Insurance Comparisons

Comparing car insurance rates is a ton of work if you don’t know the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet for quick rates.

Most major companies participate in an industry program that allows shoppers to complete one form, and every company then gives them pricing. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify which insurance companies you want pricing from. If you would rather choose specific insurance companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare identical coverage limits on every quote you get. If the quotes have different deductibles it’s impossible to determine the best price for your Audi Coupe. Having just a slight variation in limits may cause a big price difference. Just remember that comparing a large number of companies helps you find a lower rate.

Why your Audi Coupe insurance rates may be high

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

• Bundling policies can get discounts – Most insurance companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.
• Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If the Audi Coupe earned at least four stars on Safercar.gov it is probably cheaper to insure.
• Liability coverage is peace of mind – Liability insurance is the protection if you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
• You might want pay the small claims yourself – If you are a frequent claim filer, you can expect higher rates. Insurance companies generally give lower rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Car features impact rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
• Tickets mean higher rates – Even one moving violation may increase your cost forty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
• Occupation reflects on rates – Did you know your job can affect your rates? Jobs such as lawyers, social workers and financial analysts tend to have higher average rates because of stressful work requirements and long work hours. Conversely, occupations like scientists, engineers and performers receive lower rates on Coupe insurance.

But I don’t know anything about car insurance

When buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

• What are no-fault laws?
• Who is covered when they drive my Audi Coupe?
• Will my rates increase for filing one claim?
• Is my cargo covered for damage or theft?
• Am I covered when delivering products for my home-based business?
• Do I need roadside assistance coverage?
• Does my personal policy cover me when driving my company car?
• Do I have any recourse if my insurance company denies a claim?
• Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Buying car insurance from a local agent

Certain consumers would rather talk to a local agent. One of the great benefits of price shopping on the web is you may find lower rates and still choose a local agent. And supporting local businesses is important especially if you live in a smaller city or town.

Once you complete this form (opens in new window), your information is transmitted to participating agents who will compete to get your business. There is no reason to leave your computer due to the fact that quote results will go immediately to your email address. How’s that for easy! You can find better rates without the usual hassles of price shopping.

Types of insurance agents

When finding a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies are categorized either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, we recommend you include at a minimum one independent agency for the best price selection.Most can insure with different regional companies which may provide better rates.

Captive Insurance Agents

Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot compare other company’s rates so always compare other rates. Captives are well schooled on the products they sell which helps them compete with independent agents. Consumers frequently purchase coverage from captives mostly because of the brand legacy and the convenience of having all coverages with one company.

To view a complete directory of agents, click here.

Selecting a car insurance agent shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• How are claims handled?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• If you have an accident, will your rates go up?

Upon receiving positive responses and a low price estimate, chances are good that you have found a car insurance agent that is a good match to properly service your car insurance policy.

Online plus local equals savings

Drivers who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, poor customer service and even high rates after DUI convictions. No matter why you want to switch, finding a great new company is actually quite simple.

The cheapest Audi Coupe insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

We covered many ideas to get a better price on Audi Coupe insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.