Trying to find low-cost insurance for a new or used Audi Q7 in South Carolina can normally be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to buy auto insurance and you need to know the absolute fastest way to compare rates for your Audi and locate the lowest possible price from both online companies and Columbia agents.
You should make it a habit to compare rates periodically because prices change quite often. Even if you got the best quotes on Audi Q7 insurance in Columbia at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.
Five factors that influence insurance premiums
Lots of factors are used when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are less obvious such as your marital status and annual miles driven.
The list below includes a partial list of the pieces used by insurance companies to determine premiums.
Don't buy incidental coverages that aren't used - There are a lot of add-on coverages that may not really be needed when buying car insurance. Insurance for things like personal injury protection, accident forgiveness, and term life insurance are examples of these. They may sound like good ideas when buying your policy, but if they're wasting money eliminate them to save money.
No insurance claims equals better car insurance rates - If you tend to file frequent claims, you shouldn't be surprised to get much higher rates or policy non-renewal. Insurance companies in South Carolina give better rates to drivers who only file infrequent claims. Auto insurance is meant to be used in the event of more catastrophic claims.
Adjust coverage deductibles and save - Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, animal collisions, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less money you will pay for car insurance.
Avoid tickets and save - Whether or not you get tickets has a big impact on rates. Careful drivers have lower premiums as compared to those with violations. Only having one speeding ticket may cause rates to rise by as much as twenty percent. Drivers who have serious violations like reckless driving or DUI may find they need to prove financial responsibility with their state's licensing department in order to prevent their license from being revoked.
Annual miles is a factor - Driving a lot of miles every year the higher your rates will be. A lot of insurance companies charge rates based upon how much you drive. Cars and trucks not used for work or commuting qualify for better rates than those that get driven frequently. A policy that improperly rates your Q7 may be costing you. It's a good idea to make sure your car insurance policy reflects the correct usage, because improper ratings can cost you money.
Insurance loss statistics an Audi Q7 - Companies use data from past claims when they calculate premium costs for each model. Vehicles that tend to have higher losses will cost more for specific coverages.
The data below shows the actual insurance loss data for Audi Q7 vehicles. For each coverage category, the claim amount for all vehicles, without regard to make or model, is a value of 100. Percentages below 100 indicate better than average losses, while numbers that are greater than 100 point to more losses or tendency to have higher losses.
Car Insurance Loss Data for Audi Q7 Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi Q7 4dr 4WD||162||96||164||53||54||76|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Most companies allow you to get coverage price quotes on their websites. Comparing prices online for Audi Q7 insurance in Columbia is possible for anyone as you simply type in the coverages you want as requested by the quote form. After the form is submitted, the company's rating system automatically retrieves information on your driving record and credit history and returns a price quote.
Getting online rate quotes for Audi Q7 insurance in Columbia makes it simple to compare prices and it's absolutely necessary to have as many quotes as possible if you are searching for cheaper prices.
To save time and find out how much you can save on auto insurance, check out the auto insurance providers below. If you have your current policy handy, we recommend you type in the limits and deductibles exactly as they are listed on your policy. This helps ensure you will receive an apples-to-apples comparison using the same coverage and limits.
The companies shown below are ready to provide quotes in South Carolina. If multiple providers are shown, we recommend you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Q7 3.6 Quattro||$256||$500||$386||$22||$116||$1,280||$107|
|Q7 3.6 Premium||$314||$620||$386||$22||$116||$1,458||$122|
|Q7 3.0 Premium Turbo||$408||$720||$342||$20||$102||$1,592||$133|
|Q7 3.6 Quattro Turbo Diesel||$350||$706||$386||$22||$116||$1,580||$132|
|Q7 3.6 Premium Plus||$228||$404||$320||$18||$96||$1,066||$89|
|Q7 3.6 Prestige S-Line||$194||$442||$386||$22||$116||$1,160||$97|
|Q7 3.6 Prestige||$220||$420||$348||$20||$104||$1,112||$93|
|Q7 3.6 Premium Plus SLINE||$288||$538||$348||$20||$104||$1,298||$108|
|Q7 3.0 Premium Plus S-Line Turbo||$370||$748||$352||$20||$106||$1,596||$133|
|Q7 3.0 Premium Plus Turbo||$452||$1002||$460||$28||$138||$2,080||$173|
|Q7 3.0 Prestige S-Line Turbo||$346||$692||$328||$20||$98||$1,484||$124|
|Q7 3.0 Prestige||$280||$538||$358||$22||$108||$1,306||$109|
|Q7 4.2 Prestige Turbo||$364||$628||$352||$20||$106||$1,470||$123|
|Q7 4.2 Prestige S-Line 8Cyl||$212||$420||$386||$22||$116||$1,156||$96|
|Q7 4.2 Quattro||$190||$356||$320||$18||$96||$980||$82|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can affect premiums significantly.
Tickets and at-fault accidents raise rates
The illustration below highlights how traffic violations and at-fault collisions can impact Audi Q7 car insurance costs for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Male drivers compared to female drivers
The information below illustrates the difference between Audi Q7 annual premium costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Why you might not save $472 a year
Consumers constantly see and hear ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the companies make the same claim that you can save if you switch your car insurance policy to them.
How do they all have lower policy pricing?
Insurance providers quote their best rates for the type of customer that is profitable for them. A good example of this type of insured might be described as between the ages of 30 and 45, has no driving citations, and the vehicle is rated for pleasure use. Anybody that matches those criteria gets the lowest rates and as a result will probably save money with a new company.
Potential insureds who fall short of this stringent profile may receive higher prices and this results in business going elsewhere. The ads state "customers that switch" not "everybody who quotes" can get the lowest rates when switching. That's the way insurance companies can claim big savings. Because each company has a different risk profile, you really need to compare many company's rates. It is just not possible to predict which company will provide you with the cheapest Audi Q7 insurance in Columbia.
Insurance in South Carolina serves several purposes
Even though it can be expensive, insurance is not optional due to several reasons.
- The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability protection if you want to drive legally. In South Carolina 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 your Q7 has a lienholder, more than likely the lender will require you to buy full coverage to guarantee payment of the loan. If you default on your policy, the bank will be required to insure your Audi at a significantly higher premium and make you pay much more than you were paying before.
- Insurance safeguards your Audi and your assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Audi as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying insurance are definitely more than the cost, especially when you need to use it. But the average driver in South Carolina is wasting up to $850 per year so compare rates each time the policy renews to save money.
Companies offer lots of discounts on Audi Q7 insurance in Columbia
Not many people think insurance is cheap, but there could be available discounts that many people don't even know exist. Certain discounts will be applied at quote time, but a few must be manually applied in order for you to get them.
- Savings for New Vehicles - Insuring a vehicle that is new can cost up to 25% less because newer models are generally safer.
- Use Seat Belts - Drivers who require all occupants to fasten their seat belts could save 15% off the medical payments premium.
- 55 and Retired - Drivers that qualify as senior citizens may qualify for a small discount on rates.
- Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can get savings of 20% or more.
- Defensive Driver - Taking a driver safety class could possibly earn you a 5% discount and also improve your driving technique.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, it doesn't quite work that way.
Insurance companies that may have these discounts are:
Before purchasing a policy, check with every insurance company the best way to save money. Some credits might not be offered in Columbia. To see insurance companies that can offer you the previously mentioned discounts in Columbia, click here.
Local Columbia auto insurance agents and auto insurance
A small number of people still like to buy from a licensed agent and often times that is recommended Good agents can make sure you are properly covered and help file insurance claims. One of the benefits of comparing rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, the quote information is emailed to participating agents in Columbia who will give competitive quotes and help you find cheaper coverage. You won't need to contact an agency since rate quotes are delivered instantly to you. In the event you want to get a comparison quote from a particular provider, you would need to find their quoting web page to submit a rate quote request.
Finding a good insurer should include more criteria than just a cheap price. Any good agent in Columbia should know the answers to these questions.
- Does the agent recommend any additional coverage?
- Do they have a Better Business Bureau rating in Columbia?
- Are there any discounts that you might be missing?
- If you raise deductibles, how much can you save?
- Do they receive special compensation for putting your coverage with one company over another?
- Are they able to influence company decisions when a claim is filed?
- Can you use your own choice of collision repair facility?
Types of auto insurance agents
If you are wanting to find a reliable agent, it's important to understand the different types of agents from which to choose. Agents can be categorized as either exclusive or independent agents depending on their company appointments. Either one can do a good job, but it's worth mentioning how they differ since it can affect your selection of an agent.
These type of agents work for only one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on sales techniques which helps them sell on service rather than price. A lot of people buy from the same agent for years mostly because of the prominent brand name and strong financial ratings.
The following is a list of exclusive insurance agencies in Columbia who may provide you with price quotes.
- Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map
- Marion Hanna - State Farm Insurance Agent
1700 Decker Blvd d - Columbia, SC 29206 - (803) 782-1104 - View Map
- Allstate Insurance: Glynn Winslow
10014 Two Notch Rd d - Columbia, SC 29223 - (803) 865-0047 - View Map
Independent Agencies or Brokers
Independent agencies do not sell for just one brand so they can quote policies through lots of different companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent.
If you need lower rates, you definitely need to compare quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through smaller regional carriers that may have much lower rates than larger companies.
Below are independent insurance agencies in Columbia willing to provide price quote information.
- Butler's Insurance Agency
1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map
- Livingston Insurance Agency
100 9th St - West Columbia, SC 29169 - (803) 791-1120 - View Map
- Nationwide Insurance: Consultative Ins Grp Inc
776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map
Once you have received positive feedback to your questions as well as a affordable price, you may have found an insurance agency that meets the requirements to provide auto insurance coverage. Just be aware that consumers can cancel your policy any time you want so don't assume you're contractually obligated to any particular company for the full term.
More effort can pay off
Cost effective Audi Q7 insurance can be sourced from both online companies in addition to many Columbia insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not have rate quotes online and many times these small, regional companies only sell through independent agents.
We covered a lot of information how to find cheap Audi Q7 insurance in Columbia. It's most important to understand that the more providers you compare, the better chance you'll have of finding low cost Columbia car insurance quotes. You may even discover the lowest rates are with the least-expected company.
As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best cost, but do not skimp to save money.
Additional detailed information can be read by following these links:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Affordable South Carolina Car Insurance Quotes for Seniors? (FAQ)
- Who Has Cheap South Carolina Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has Cheap Auto Insurance for Teenage Females in South Carolina? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in South Carolina? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)