Want a free price quotes on low-cost auto insurance rates in Virginia Beach, VA? Virginia Beach shoppers have options when shopping for affordable Audi Q7 insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to quote coverages for a Audi and get the best price possible either online or from Virginia Beach insurance agents.
Choosing the best rates in Virginia Beach is not that difficult. If you currently have a car insurance policy, you will be able to reduce premiums using this information. Smart shoppers just need to know the proper way to compare different rates over the internet.
Finding low cost auto insurance prices is actually easier than you may think. The only thing you need to do is take a couple of minutes comparing price quotes provided by online insurance companies.
The companies shown below can provide price quotes in Virginia. In order to find the cheapest car insurance in Virginia, we suggest you get rates from several of them to find the most affordable car insurance rates.
Audi Q7 insurance coverage information
The coverage information shown below highlights different insurance policy prices for Audi Q7 models. Learning more about how insurance quotes are calculated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $170 | $286 | $258 | $16 | $78 | $808 | $67 |
| Q7 3.6 Premium | $170 | $286 | $258 | $16 | $78 | $808 | $67 |
| Q7 3.0 Premium Turbo | $170 | $286 | $258 | $16 | $78 | $808 | $67 |
| Q7 3.6 Quattro Turbo Diesel | $170 | $286 | $258 | $16 | $78 | $808 | $67 |
| Q7 3.6 Premium Plus | $170 | $286 | $258 | $16 | $78 | $808 | $67 |
| Q7 3.6 Prestige S-Line | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| Q7 3.6 Prestige | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| Q7 3.6 Premium Plus SLINE | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| Q7 3.0 Premium Plus S-Line Turbo | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| Q7 3.0 Premium Plus Turbo | $170 | $324 | $258 | $16 | $78 | $846 | $71 |
| Q7 3.0 Prestige S-Line Turbo | $186 | $324 | $258 | $16 | $78 | $862 | $72 |
| Q7 3.0 Prestige | $186 | $324 | $258 | $16 | $78 | $862 | $72 |
| Q7 4.2 Prestige Turbo | $186 | $324 | $258 | $16 | $78 | $862 | $72 |
| Q7 4.2 Prestige S-Line 8Cyl | $186 | $324 | $258 | $16 | $78 | $862 | $72 |
| Q7 4.2 Quattro | $186 | $324 | $258 | $16 | $78 | $862 | $72 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Virginia Beach which can lower or raise premiums considerably.
Reckless driving habits raise insurance rates
The illustration below illustrates how speeding tickets and at-fault claims can influence Audi Q7 insurance costs for different categories of driver ages. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Annual premiums comparing men and women in Virginia Beach
The information below visualizes the comparison of Audi Q7 insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $250 deductibles, single status, and no policy discounts are applied.
Insuring your Audi vehicle just makes sense
Even though it can be expensive, paying for insurance is not optional due to several reasons.
- The majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a lien on your Audi, it’s most likely the lender will force you to have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Audi at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Insurance protects your Audi Q7 and your assets. Insurance will pay for medical bills incurred in an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of your driving. If your Audi gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of having insurance outweigh the cost, especially if you ever need it. As of last year, the average driver in Virginia overpays as much as $820 a year so compare rate quotes at least once a year to ensure rates are inline.
Seven factors that impact insurance rates
A large part of saving on car insurance is knowing some of the things that come into play when calculating car insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in cheaper rates.
- If you don’t need it don’t buy it – There are a ton of extra coverages that can add up if you aren’t diligent. Coverages for vanishing deductibles, accidental death, and additional equipment coverage are some examples. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
- High deductibles cost less – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Audi. Examples of some claims that would be covered are colliding with a building, collision with an animal, or theft. Your deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured is willing to pay, the less your company will charge you for insurance.
- Alarm systems lower rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
- Pleasure use saves money – The higher the mileage driven annually the more you’ll pay to insure your vehicle. Most companies calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate than those that get driven frequently. Having an incorrect usage rating on your Q7 is just wasting money. It’s a good idea to make sure your car insurance policy correctly shows how each vehicle is driven, because it can save money.
- Use one insurance company and save – Most companies provide discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s in your best interest to shop around to help ensure you have the lowest rates. Consumers may find lower rates by splitting coverages up.
- Married people drive safer – Walking down the aisle may save some money on your car insurance bill. Having a significant other means you’re more stable financially and statistics show being married results in fewer claims.
- More people means more accidents – Choosing to live in areas with lower population is a positive aspect when it comes to car insurance. Urban drivers have to deal with more aggressive driving styles and much longer commute distances. Less people translates into fewer accidents in addition to lower liability claims.
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Loss probability for an Audi Q7 – Companies include the past claim trends for vehicles to calculate a rate that will offset any claims. Models that have higher prevalence or dollar amount of losses will have increased rates. The next table shows the collected loss data for Audi Q7 vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is a value of 100. Values that are below 100 indicate a favorable loss history, while numbers that are greater than 100 show a trend for more claims or larger claims.
Auto Insurance Loss Data for Audi Q7 Models Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi Q7 4dr 4WD 162 96 164 53 54 76 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Determine discounts on Virginia Beach auto insurance
Not many people think insurance is cheap, but there could be significant discounts that many consumers don’t even know exist. Certain reductions will be credited at quote time, but a few need to be manually applied before you will receive the discount. If you do not check that you are getting every discount possible, you’re just leaving money on the table.
- Discount for Low Mileage – Driving less could be rewarded with lower premium rates due to less chance of an accident.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Telematics Discount – Virginia Beach drivers who agree to allow data collection to study their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
- Early Switch Discount – A few companies allow discounts for buying a new policy before your current coverage expires. This can save 10% or more.
- Mature Driver Discount – Older drivers can possibly qualify for a discount up to 10%.
- College Student – Any of your kids who are enrolled in a college that is more than 100 miles from Virginia Beach and do not take a car to college could qualify for this discount.
It’s important to note that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
The chart below illustrates the difference between Audi Q7 insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.
A few popular companies and a partial list of their discounts are outlined below.
- Farmers Insurance has discounts for electronic funds transfer, homeowner, pay in full, youthful driver, alternative fuel, business and professional, and early shopping.
- Esurance may offer discounts for anti-lock brakes, online quote, Switch & Save, anti-theft, and safety device.
- State Farm offers premium reductions for Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, good driver, and anti-theft.
- GEICO may have discounts that include military active duty, defensive driver, driver training, daytime running lights, anti-theft, and federal employee.
- Allstate may include discounts for good payer, defensive driver, anti-lock brakes, new car, and 55 and retired.
It’s a good idea to ask all companies you are considering how many discounts you can get. Some credits might not be offered on policies in Virginia Beach. For a list of insurers that offer the discounts shown above in Virginia Beach, follow this link.
Local Virginia Beach auto insurance agents and car insurance
A small number of people still prefer to sit down with an agent and we recommend doing that Licensed agents are trained to spot inefficiencies and help file insurance claims. An additional benefit of comparing insurance prices online is you can get cheap car insurance rates but still work with a licensed agent.
Upon completion of this short form, your information is emailed to local insurance agents who will give you bids for your coverage. You won’t need to do any legwork as quotes are delivered immediately to you. If you want to compare prices from a specific company, you would need to go to their quote page to submit a rate quote request.
Picking an insurer should depend on more than just a cheap quote. Get answers to these questions too.
- Will high miles depreciate repair valuations?
- Can glass claims be handled at your home?
- By raising physical damage deductibles, how much would you save?
- If independent agents, which companies do they recommend?
- Does the company have a local claim office in Virginia Beach?
Car insurance company ratings
Ending up with the right company can be rather challenging considering how many choices there are in Virginia. The ranking information listed below may help you pick which auto insurance companies to look at purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
In conclusion
When searching for affordable Virginia Beach auto insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.
Budget-conscious Audi Q7 insurance can be purchased both online and also from your neighborhood Virginia Beach agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide internet price quotes and most of the time these regional carriers provide coverage only through independent insurance agents.
You just learned a lot of techniques to save on Audi Q7 insurance in Virginia Beach. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost Virginia Beach auto insurance quotes. You may even discover the lowest priced car insurance comes from a small local company.
Steps to finding low-cost rates for Audi Q7 insurance in Virginia Beach
The recommended way to get the cheapest Audi Q7 insurance is to make a habit of regularly comparing prices from different companies who sell auto insurance in Virginia Beach.
- First, it will benefit you to learn about coverages and the things you can control to prevent expensive coverage. Many rating criteria that result in higher rates like at-fault accidents, careless driving, and a substandard credit score can be controlled by making minor changes in your lifestyle.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple sources.
- Third, compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate, ensure there is no coverage lapse between policies.
- Fourth, provide written notification to your current company of your intention to cancel your current coverage and submit the signed application along with the required initial payment for the new policy. As soon as you have the new policy, place your new certificate of insurance somewhere easily accessible.
A good tip to remember is to compare the same amount of coverage on each price quote and and to look at as many car insurance companies as possible. Doing this enables a level playing field and a thorough price selection.
For more information, link through to the following helpful articles:
- Information for Teen Drivers (GEICO)
- How Much is Virginia Beach Auto Insurance for a Honda Civic? (FAQ)
- How Much are Virginia Beach Auto Insurance Rates for a Jeep Wrangler? (FAQ)
- Who Has Cheap Car Insurance Rates for Ride Shares in Virginia Beach? (FAQ)
- What Insurance is Cheapest for a Subaru Forester in Virginia Beach? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Cellphones, Texting and Driving (iihs.org)
- Distracted Driving Statistics (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)