FREE Auto Insurance Comparison
Secured with SHA-256 Encryption
The lowest car insurance rates are at your fingertips once you use your ZIP code in the FREE quote tool to search for quotes!
The first thing that you have to realize in your search for the lowest Audi car insurance is that there is such a thing as too low. Furthermore, most paths to affordable car insurance start with you.
Insurance Prices That Are Too Low
There are some truly low car insurance prices advertised online, and many companies that promise significant savings.
While you can certainly find savings, you need to draw the line between affordable coverage that is adequate and cheap coverage that isn’t worth anything.
Many times low prices are used as a gimmick to draw people in; no one is actually paying $29 a month for full coverage!
However, there are many scams and fraudulent companies that will be more than happy to take your money and run. There are also companies that are only slightly better than fraud, but they don’t really intend to pay out on any of your legitimate claims.
Basically, if it sounds too good to be true, then it is. No doubt about it; no insurance company can afford to pay out thousands of dollars in claims when every customer is only paying $29 a month.
If you encounter extremely low insurance prices for your Audi, like that dream $29 rate you have to understand that it is either fraud or a company that will use every trick in the book not have to pay your claims.
You can certainly find adequate coverage at a great price; it just takes a bit of work.The truth is that you can’t expect such cheap prices to really offer you protection.
Factors You Can Control to Lower Your Prices
The main way to find the lowest auto insurance premiums for adequate coverage is through doing your homework and perhaps changing some bad habits.
The car insurance companies are going to offer their rates and all you have to do is find the one that fits you.
There is a myriad of ways for you to lower car insurance rates, no matter what type of vehicle you drive. The first factor that you can control that has a direct impact on your car insurance costs is how you drive.
Auto insurance underwriters are going to look at your last three years of driving. If those years are dotted with speeding tickets and accidents, then they have no reason to think that your future driving will be any different.
To offset your risk of being in an accident, insurance providers are going to charge you higher rates.
If you truly want low car insurance prices for your Audi, then you have to have a clean driving record. For one, follow the speed limit.
The National Highway Traffic Safety Administration maintained in a 1997 policy and implementation strategy for combating speeding that the behavior was a factor in as many as one-third of all fatal crashes.
While the rate of fatal crashes has been slowly dropping since then, speeding is still a major contributor in many car accidents.
Other factors that contribute to accidents include distracted driving, aggressive driving, and driving under the influence of drugs or alcohol.
Changing those bad driving behaviors will lead to a decreased chance of injury or death, as well as lower car insurance costs.
Another factor that you have control over that affects your car insurance rates is your credit history. It is a topic that is under hot debate at the moment, but insurance companies maintain that those people who are responsible with their finances are statistically more likely to be responsible drivers.
If you live in a state where insurance underwriters are allowed to use your credit history as a means for setting your car insurance rates, then you should improve your credit as much as possible.
Just as you need to drive safely to have a clean driving record, you also need to pay your financial obligations to have a good credit history. While it will take some time, there are also the benefits of having good credit to go along with lower coverage rates.
Another factor that has a fair impact on your auto insurance prices is the safety of the vehicle that you drive. As an Audi driver, you know that they are built with safety as well as performance in mind.
The Insurance Institute for Highway Safety (IIHS) lists many Audis in its Top Safety Picks for 2013.
The IIHS is a nonprofit organization that performs crash test ratings on a slew of vehicles each year. Each year, they publish the list of top performers. Audi can tout the safety of the midsize Audi A3, the luxury A4 midsize and large A6 sedans and the midsize luxury Audi Q5 SUV.
Vehicles with high safety ratings equate to lower claims in the eyes of car insurance underwriters. First, they likely have additional safety features for avoiding an accident altogether, such as traction control.
In addition, safer vehicles also have interior safety features that minimize injuries to passengers when there is an accident, such as seatbelts and airbags.
A safer vehicle means lower car insurance prices, but it also means that your family or other passengers will likely suffer fewer serious injuries in the event of a crash. Safer vehicles are a win-win situation.
FREE Auto Insurance Comparison
Compare quotes from the top auto insurance companies and save!
Secured with SHA-256 Encryption
Factors beyond Your Control
However, there are factors that are a bit beyond your control. Some factors you can’t or wouldn’t be willing to change just to save some money on auto insurance.
You certainly wouldn’t decide to move to the country just for lower rates, nor would you be willing to get married.
Other factors that are beyond your control are your age and your gender.
Young male drivers get the short end of the stick with higher car insurance rates, as they are the single group that has the highest rate of vehicle accidents.
Many factors that are out of your immediate control are likely to change in the future. Young, inexperienced drivers become mature, seasoned drivers, single people get married, and sports cars might be turned in for sedans and minivans.
Finding a Great Company
After you have shaped up your driving profile a bit for immediate car insurance savings, it is time to look to future savings.
No one wants to think about having an accident or other loss in the future, but it is inevitable that most people will be in a car accident, will be the victim of car theft, or will hit a deer or a fence post at some point in time.
Drivers buy car insurance to be ready for those mishaps of the future, but few take steps to make sure that their insurance companies will be there as well.
Unfortunately, car insurance companies go out of business all of the time. You certainly don’t want to find out that your insurer is filing bankruptcy while you are trying to file a claim.
While you are looking for low-priced affordable insurance, you also need to be searching for a great car insurance provider.
You should check the financial ratings of every car insurance provider that you are considering. The U.S. Securities and Exchange Commission has designated 10 current rating agencies to keep tabs on important businesses such as the auto insurance industry.
Checking the ratings with any of the ten rating agencies will help you to understand the bigger financial picture behind your insurance provider. Strong ratings indicate that your insurer is fiscally robust and has the assets to take on many challenges.
Poor ratings might mean that an insurance company has taken on too much risk, and they are not bringing in as much money as they are paying out.
While nothing is certain or guaranteed, you can be as sure as possible that an insurance provider will be solvent in the future to help cover your car damages or losses.
The last factor that can determine how much you pay for your Audi coverage is how you shop for car insurance. If you buy a policy from the first insurance company you try, then you can bet that you are likely overpaying.
All car insurance experts recommend that you compare prices for the same coverage from many different providers.
For example, the Maine Department of Insurance publishes a consumer’s guide that accurately states that the only true way to know how much any car insurance company will charge you for coverage is to get many quotes from different providers to compare.
When you get quotes to compare, make sure you get quotes for the same amount of coverage from each provider so that your weigh your options accurately.
You can get quotes from agents, call centers, or websites, but the fastest way to easily get many quotes at once is to utilize quote comparison websites such as this one. You fill out one application and the car insurance providers will send you quotes for your perusal.
Start out on the road to the lowest car insurance prices right here when you place your ZIP code in the FREE quote tool below!