Having to pay for expensive Audi Q7 insurance in Raleigh can sap your savings account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.
A recent study showed that over 70% of drivers have remained with the same auto insurance company for at least the last four years, and nearly half have never compared rates from other carriers. Most drivers in North Carolina can save hundreds of dollars each year by just comparing quotes, but they just assume it takes a lot of time to do a rate comparison. Insurance companies such as Progressive, GEICO and Farmers Insurance continually hit you with ad campaigns and it is difficult to ignore the propaganda and do the work needed to find the best deal.
It’s smart to compare prices before your next renewal since prices are constantly changing. Just because you found the best rate on Audi Q7 insurance in Raleigh a year ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re going to learn the things you must know in order to find better rates and still maintain coverage.
The car insurance companies shown below offer free quotes in Raleigh, NC. If you wish to find cheaper auto insurance in North Carolina, we recommend you get price quotes from several of them to get the most affordable price.
Insurance coverage analysis
The table shown next highlights different policy rates for Audi Q7 models. Having a good grasp of how policy premiums are established can assist in making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Q7 3.6 Quattro||$142||$284||$282||$16||$84||$808||$67|
|Q7 3.6 Premium||$142||$284||$282||$16||$84||$808||$67|
|Q7 3.0 Premium Turbo||$142||$284||$282||$16||$84||$808||$67|
|Q7 3.6 Quattro Turbo Diesel||$142||$284||$282||$16||$84||$808||$67|
|Q7 3.6 Premium Plus||$142||$284||$282||$16||$84||$808||$67|
|Q7 3.6 Prestige S-Line||$142||$322||$282||$16||$84||$846||$71|
|Q7 3.6 Prestige||$142||$322||$282||$16||$84||$846||$71|
|Q7 3.6 Premium Plus SLINE||$142||$322||$282||$16||$84||$846||$71|
|Q7 3.0 Premium Plus S-Line Turbo||$142||$322||$282||$16||$84||$846||$71|
|Q7 3.0 Premium Plus Turbo||$142||$322||$282||$16||$84||$846||$71|
|Q7 3.0 Prestige S-Line Turbo||$154||$322||$282||$16||$84||$858||$72|
|Q7 3.0 Prestige||$154||$322||$282||$16||$84||$858||$72|
|Q7 4.2 Prestige Turbo||$154||$322||$282||$16||$84||$858||$72|
|Q7 4.2 Prestige S-Line 8Cyl||$154||$322||$282||$16||$84||$858||$72|
|Q7 4.2 Quattro||$154||$322||$282||$16||$84||$858||$72|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can affect price quotes noticeably.
The information below shows how choosing a deductible and can impact Audi Q7 insurance costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Why you need insurance for your vehicle
Despite the high cost of buying insurance for a Audi Q7 in Raleigh, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to license the vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a loan, almost all lenders will make it mandatory that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Audi at a much higher rate and force you to reimburse them much more than you were paying before.
Third, insurance safeguards both your assets and your Audi Q7. It also can pay for medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the price paid, especially for larger claims. The average driver in America overpays as much as $830 a year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.
Six Things That Impact Your Insurance Prices
The best way to find cheaper auto insurance is to take a look at some of the things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could result in better auto insurance rates. Many things are used when quoting car insurance. Some are pretty understandable such as your driving record, but others are less obvious like your continuous coverage or your vehicle rating.
Good credit equals lower premiums – Having a good credit rating will be a significant factor in determining what you pay for auto insurance. Therefore, if your credit history is low, you may save money insuring your Audi Q7 by spending a little time repairing your credit. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with bad credit.
Women pay lower premiums – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are better drivers. They both have accidents in similar percentages, but males tend to have higher claims. Men also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high auto insurance rates.
The chart below illustrates the difference between Audi Q7 auto insurance costs for male and female drivers. The premiums are based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are factored in.
Alarm systems save money – Owning a car with a theft deterrent system can save you some money. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
Driving citations increase rates – A bad driving record influences premium rates substantially. Careful drivers pay lower auto insurance prices than bad drivers. Just one ticket could increase your next policy renewal twenty percent or more. Drivers who have flagrant tickets like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
The information below illustrates how traffic citations and at-fault accidents influence Audi Q7 yearly insurance costs for each different age category. The premium estimates are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.
The type of car you drive affects your costs – The performance of the car you own makes a substantial difference in your auto insurance rates. Smaller low performance passenger cars generally receive the lowest base rates, but your final cost has many other factors.
The next chart assumes a married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Audi Q7 rates compared to other vehicles that have different performance rating factors.
You might pay more if you are single – Having a significant other may earn you lower rates on your auto insurance policy. It means you’re less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
Audi Q7 historical loss data – Insurance companies use data from past claims to help determine rates. Models that the statistics show to have higher frequency or amount of claims will have a higher premium rate. The next table shows the historical loss data for Audi Q7 vehicles.
For each type of coverage, the claim probability for all vehicles, as a total average, equals 100. Numbers under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi Q7 4dr 4WD||162||96||164||53||54||76|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get cheaper rates on Audi Q7 insurance in Raleigh with these insurance discounts
Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so the next list breaks down a few of the more common in addition to some of the lesser obvious insurance savings.
- E-sign – A few larger online companies will give a small break just for signing your application digitally online.
- Club Memberships – Belonging to certain professional organizations can get you a small discount on your policy.
- Government Employees – Active or former government employment can save as much as 8% with certain companies.
- Claim Free – Drivers with accident-free driving histories can save substantially in comparison with insureds who have frequent claims or accidents.
- Save over 55 – If you qualify as a senior citizen, you may qualify for better insurance rates.
- Telematics Devices – Raleigh drivers who agree to allow companies to study when and where they use their vehicle remotely such as Progressive’s Snapshot may see discounts if they are good drivers.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
The chart below visualizes the comparison of Audi Q7 insurance prices with and without discounts applied. The rates are based on a male driver, no claims or violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.
Companies and a partial list of their discounts can be found below.
- State Farm has discounts for multiple autos, good driver, good student, driver’s education, student away at school, Steer Clear safe driver discount, and multiple policy.
- Progressive has savings for continuous coverage, homeowner, multi-policy, online quote discount, and good student.
- Progressive offers premium reductions for continuous coverage, good student, multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
- MetLife discounts include defensive driver, multi-policy, good driver, good student, accident-free, claim-free
- Farm Bureau may have discounts that include safe driver, youthful driver, 55 and retired, renewal discount, and driver training.
- GEICO policyholders can earn discounts including air bags, defensive driver, daytime running lights, military active duty, multi-policy, anti-lock brakes, and good student.
- SAFECO offers discounts including bundle discounts, accident prevention training, anti-lock brakes, safe driver, drive less, and teen safe driver.
Double check with each company which discounts you may be entitled to. A few discounts might not be available to policyholders everywhere. If you would like to view companies offering insurance discounts in North Carolina, click here to view.
Comparing quotes from local Raleigh auto insurance agents
Some consumers still prefer to sit down and talk to an agent and often times that is recommended Professional insurance agents are highly skilled in risk management and help in the event of a claim. The best thing about comparing auto insurance online is you can get cheap auto insurance rates but also keep your business local.
For easy comparison, once you complete this short form, your insurance data is sent to insurance agents in Raleigh that provide free Raleigh car insurance quotes for your insurance coverage. You never need to find an agent on your own because prices are sent straight to your inbox. In the event you want to get a rate quote from a specific company, you just need to navigate to their website and fill out the quote form the provide.
Finding a good insurance company requires more thought than just a cheap quote. Here are some questions you should ask.
- Has the agent ever had any license suspensions?
- Will a damage claim use OEM or aftermarket replacement parts?
- How many companies do they write for?
- Which company do they place the most coverage with?
- Will your rates increase after a single accident?
- If they are an independent agency in Raleigh, which companies do they recommend?
Choose the right car insurance agent
When narrowing the list to find a reputable agency, you must know there are a couple types of insurance agents and how they operate. Auto insurance agents are considered either independent agents or exclusive agents. Both can handle auto insurance, but it is important to understand how they are different because it can influence which agent you choose.
Exclusive Auto Insurance Agents
Exclusive agents can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they have no alternatives for high prices. They are highly trained on their products and sales techniques which can be an advantage.
Shown below are Raleigh exclusive insurance agents willing to provide comparison quotes.
Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105 – Raleigh, NC 27617 – (919) 957-9009 – View Map
Independent Agencies or Brokers
Independent agents are appointed with more than one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If you want to switch companies, an independent agent can move your coverage which makes it simple for you.
When comparing rates, you need to get several quotes from several independent insurance agents in order to have the best price comparison.
Listed below is a short list of independent agencies in Raleigh that are able to give price quote information.
You can lower your insurance rates
We just presented quite a bit of information on how to save on Audi Q7 insurance in Raleigh. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable Raleigh car insurance quotes. Drivers may even discover the lowest premium rates are with a lesser-known regional company. They may often insure only within specific states and give better rates than their larger competitors like Allstate, GEICO and Progressive.
Budget-conscious Audi Q7 insurance can be found both online as well as from independent agents in Raleigh, so you need to quote Raleigh car insurance with both to have the best chance of lowering rates. Some insurance providers may not have online rate quotes and these small, regional companies work with independent agents.
How to find the cheapest rates for Audi Q7 insurance in Raleigh
The best way to get more affordable Audi Q7 insurance is to start comparing prices yearly from insurance carriers who provide car insurance in Raleigh.
First, try to learn about how insurance companies determine prices and the changes you can make to lower rates. Many policy risk factors that are responsible for high rates such as traffic citations and an unacceptable credit rating can be eliminated by paying attention to minor details.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agencies can quote rates for many different companies.
Third, compare the new quotes to your current policy premium and determine if cheaper Q7 coverage is available in Raleigh. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, tell your current agent or company of your intent to cancel your current policy and submit payment and a completed application to the new company. As soon as you have the new policy, place your new certificate verifying proof of insurance in an easily accessible location.
A key point to remember is to make sure you’re comparing similar limits and deductibles on every price quote and to quote with as many car insurance companies as possible. Doing this guarantees a fair price comparison and a thorough selection of prices.
For more information, take a look at these articles:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has Affordable Raleigh Auto Insurance Rates for Good Students? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with Bad Credit in Raleigh? (FAQ)
- How Much is Car Insurance for Felons in Raleigh? (FAQ)
- Who Has Cheap Raleigh Car Insurance for Nurses? (FAQ)
- Who Has Affordable Raleigh Car Insurance Quotes for a Ford Explorer? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Airbag FAQ (iihs.org)