Best Insurance for an Audi Q7 in Atlanta

Cutting costs on Audi Q7 insurance in Atlanta is always slightly frustrating for drivers new to quoting and comparing prices online. Because there are so many companies competing online, it can easily be a real hassle to find the lowest price on Audi Q7 insurance.

Unbelievably, over 70% of consumers have remained with the same auto insurance company for a minimum of four years, and practically 40% of auto insurance customers have never shopped around. Many drivers in America can save hundreds of dollars each year by just comparing quotes, but most just don’t grasp how much they could save if they switch to a new company.

We hope to let you in on how car insurance companies work and some tips to save money. If you are already insured, you will definitely be able to buy cheaper insurance using the concepts you’re about to learn. Nevertheless, Georgia consumers do need to learn the way companies calculate your insurance rates because rates are impacted by many factors.

When comparing car insurance rates, know that making a lot of price comparisons will enable you to find the best offered rates.

The companies shown below are ready to provide comparison quotes in Georgia. If multiple providers are shown, we suggest you get rates from several of them in order to get a fair rate comparison.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in Atlanta location which can lower or raise premium rates considerably.

Car insurance prices based on gender

The example below illustrates the comparison of Audi Q7 auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below visualizes the comparison of Audi Q7 yearly insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or violations, $100 deductibles, single male driver, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s say your Audi Q7 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The premium rates below can help illustrate the rate differences when you choose different coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can alter premiums significantly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $39 more each month or $468 every year than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claim filings, you would probably save some money if you choose the higher deductible.

Why you need insurance for your Audi Q7

Even though it’s not necessarily cheap to insure an Audi in Atlanta, paying for car insurance may be required for several reasons.

• Almost all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, most lenders will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the bank may insure your Audi for a much higher rate and require you to fork over the higher premium.
• Insurance safeguards your car and your assets. Insurance will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If your car is damaged in a storm or accident, your car insurance policy will pay to have it repaired.

The benefits of carrying enough insurance outweigh the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $825 a year so you should quote and compare rates once a year at a minimum to ensure rates are inline.

You Can Change Your Insurance Costs

Lots of things are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but others are more obscure like your continuous coverage or your vehicle rating.

• Your stress level may be raising your rates – Careers like military generals, police officers, and medical professionals tend to have higher premium rates because of intense work requirements and long work days. On the other hand, professions such as scientists, historians and performers have lower than average premiums.
• Do you know your coverage deductibles? – The deductibles you choose define how much you are required to pay before your insurance pays a claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, damage caused by hail, and damage from wind. The more you have to pay, the better rate you will receive.
• Amount of liability coverage – A critical coverage on your policy, liability insurance will protect you when a court rules you are at fault for physical damage or personal injury to other. Liability provides for a legal defense starting from day one. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• Lower performance equals lower insurance rates – The performance level of the car you own makes a substantial difference in determining your rates. The cheapest rates will generally be found on lower cost passenger cars, but there are many factors that impact the final cost. Since the Audi Q7 is a luxury SUV, rates will be substantially more in price as compared to the average rate in Atlanta.
• Marriage discount – Walking down the aisle actually saves money on your policy. Having a spouse generally demonstrates drivers are more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
• Audi Q7 claim probability – Insurers analyze past claim statistics to help set a rate to offset losses. Models that statistically have increased losses will cost more for specific coverages. The data below shows the actual insurance loss data for Audi Q7 vehicles.

  For each policy coverage, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Values below 100 suggest a better than average loss history, while numbers above 100 indicate more frequent losses or larger claims.

  Insurance Loss Ratings for Audi Q7 Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi Q7 4dr 4WD	162	96	164	53	54	76

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance discounts help lower rates for Audi Q7 insurance in Atlanta

Some providers don’t always list every available discount very well, so the below list has some of the more common and the harder-to-find discounts that you may qualify for.

• No Accidents – Insureds who avoid accidents and claims have much lower rates compared to drivers with a long claim history.
• Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their Atlanta auto insurance quote than less cautious drivers.
• Driver Safety – Passing a defensive driver class can save you 5% or more and easily pay for the cost of the class.
• Drive Less and Save – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control are safer to drive and will save you 10% or more on Q7 insurance in Atlanta.
• Good Student – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
• Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
• Anti-theft System – Cars with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of at least 10% off all policies.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to choose from a list of car insurance companies with discount car insurance rates in Atlanta, follow this link.

Independent versus exclusive auto insurance agents

Many people would rather get advice from a local agent and doing so can bring peace of mind An additional benefit of comparing rates online is that drivers can save money and get cheap car insurance rates and still have a local agent. And supporting local agencies is important particularly in Atlanta.

By using this simple form, your coverage information gets sent to local insurance agents that provide free Atlanta auto insurance quotes for your car insurance coverage. You won’t need to even leave your home because quoted prices will be sent directly to you. You can get cheaper car insurance rates and an insurance agent to talk to. If you need to get a rate quote from a particular provider, feel free to jump over to their website and complete a quote there.

Two types of car insurance agents

If you would like to find an insurance agent, you should know the different types of agents and how they differ in how they can insure your vehicles. Agents can be described as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Independent agencies can sell policies from many different companies so they can insure your vehicles with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent. When comparing rates, it’s a good idea to get rate quotes from a few independent agents to have the most options to choose from. Many can place coverage with less well-known companies which could offer lower prices.

Below are independent agents in Atlanta that can possibly get you free rate quotes.

• Discount Auto Insurance Agency Inc
  1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map
• Five Star Insurance Agency
  191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979 – View Map
• Perimeter Insurance Agency
  5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map

View more agents

Exclusive Insurance Agents

Exclusive agencies can usually just insure with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are trained well on their products and sales techniques which helps them compete with independent agents. Some people will only choose to use an exclusive agent mainly due to the brand name instead of buying on price only.

The following are exclusive insurance agencies in Atlanta willing to provide price quote information.

• Aaron Frazier – State Farm Insurance Agent
  NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
• Carter Nicholson – State Farm Insurance Agent
  3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739 – View Map
• Mark Pritchard – State Farm Insurance Agent
  3280 Howell Mill Rd NW #107 – Atlanta, GA 30327 – (404) 856-4950 – View Map

View more agents

Deciding on an car insurance agent requires you to look at more than just a cheap quote. These questions are important to ask:

• Where would your vehicle be repaired?
• Is the coverage adequate for your vehicle?
• What discounts might you be missing?
• Is their price quote a firm figure or are their hidden costs?
• Which companies can they place coverage with?
• Can you choose the body shop in case repairs are needed?
• Does the agent have professional designations like CIC, CPCU or AIC?
• What kind of financial rating does the company have?

Don’t give up on cheaper rates

Drivers switch companies for any number of reasons including denial of a claim, high prices, poor customer service and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is pretty simple and you could end up saving a buck or two.

You just learned many ways to compare Audi Q7 insurance rates in Atlanta. It’s most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding the cheapest Audi Q7 rate quotes. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies.

Cheaper car insurance in Atlanta can be found both online and with local Atlanta insurance agents, so get free Atlanta auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get quotes online and many times these smaller providers provide coverage only through local independent agencies.

Additional detailed information is located at these sites:

• Learn About Car Insurance (GEICO)
• How Much is Atlanta Car Insurance for a Chevrolet Silverado? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Handicapped Drivers in Atlanta? (FAQ)
• Safety Features for Your New Car (State Farm)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Tools for Teen Driving Safety (State Farm)