Audi Insurance | How to Get Cheaper Coverage For Your Audi

A host of companies extend Audi insurance at a variety of prices.

While searching for the lowest rate may be your priority, it’s also important to do some research to ensure the company you’re choosing also pays out claims reliably and offers adequate coverage for your needs.

The best insurance companies make a point of providing their customers with a convenient claims process, a wide range of coverage options, and friendly customer service.

Many also offer discounted rates to drivers who follow safe driving practices, have safety features in their vehicles, bundle policies or set up automatic payments.

How Much Does Audi Insurance Cost?

Audi car insuranceWhen you’re shopping for insurance, it’s important to remember there is a myriad of factors that determine your premium.

Your age, gender, and driving history are things your insurance company will consider when calculating the price of your policy.

However, your vehicle’s make and model, particularly its safety ratings, overall value, and cost of repairs all affect what you pay for car insurance.

When shopping for insurance for your Audi, you’ll likely find that every insurance company offers a different rate for your vehicle.

While you may be tempted to opt for the least expensive policy, it’s important to research and thoroughly analyze what’s included in the estimated price.

Also, check out the ratings and reviews from past and current policyholders for the company you’re considering.

As mentioned above, several factors related to your vehicle are evaluated when your insurance company calculates the price you’ll pay for your policy.

Here’s a breakdown of what those include:

Audi’s Safety Rating and Damage Threshold

The Insurance Institute for Highway Safety (IIHS) conducts safety testing on hundreds of passenger vehicles every year.

The IIHS assigns ratings to these vehicles across a number of safety categories and provides one of four ratings: G (Good), A (Acceptable), M (Marginal) or P (Poor).

Here are a couple of examples of the IIHS’s safety ratings for Audi vehicles.

Audi A4 Insurance

The Audi A4 is well above-average when it comes to safety ratings.

The car was named IIHS Top Safety Pick for 2018, and received the following ratings:

SAFETY CATEGORY RATING
Small Overlap Front – Driver Side G
Small Overlap Front – Passenger Side G
Moderate Overlap Front G
Side G
Roof Strength G
Head Restraints & Seats G
Headlights A
Child Seat Anchors – Ease of Use G

Audi Q7 Insurance

The Audi Q7 is another very high-performing vehicle when it comes to IIHS safety testing.

This large SUV received the following ratings:

SAFETY CATEGORY RATING
Small Overlap Front – Driver Side G
Small Overlap Front – Passenger Side G
Moderate Overlap Front G
Side G
Roof Strength G
Head Restraints & Seats G
Headlights M
Child Seat Anchors – Ease of Use G+

These high safety standards maintained by Audi exceed industry standards.

The results of IIHS’s safety tests on these vehicles and other Audi models is likely to reduce the price of insurance.

Comprehensive and Collision Coverage for an Audi

The overall value of your vehicle is another major influencer when it comes to the price of your insurance policy.

Insurance companies determine value based on the year, model, condition, and geographic location of the vehicle.

Kelley Blue Book (KBB) is an up-to-date database of auto values.

For the examples in this article, we’ve used KBB values based on vehicles in good condition, with standard features, and located in the Los Angeles area, within the 90005 zip code.

According to KBB, the value of a 2018 Audi A4 Ultra Premium Sedan 4D is between $28,416 and $34,266.

The Audi Q7 3.0T Premium Sport Utility 4D has a fair market value between $49,433 and $53,660.

This variation in pricing can result in an equally varied price range for Audi insurance.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.