Amazingly, the vast majority of car insurance customers in Indiana have stayed with the same insurance company for more than four years, and just under half have never compared rates to find lower-cost insurance. With the average car insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year, but they won’t spend time to find lower-cost car insurance rates.
If your goal is the lowest price, then the best way to find low-cost Audi A7 insurance in Indianapolis is to compare prices annually from insurers who sell insurance in Indiana.
Step 1: Get an understanding of how companies price auto insurance and the steps you can take to lower rates. Many rating factors that result in higher prices like speeding tickets, accidents and a not-so-good credit score can be improved by making small lifestyle or driving habit changes.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for many different companies. View prices
Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find a lower rate and change companies, make sure there is no lapse in coverage.
One bit of advice is to use similar deductibles and liability limits on each quote and and to get price quotes from every insurance company. Doing this helps ensure the most accurate price comparison and a thorough selection of prices.
If you are already insured or just want a better rate, follow these tips to reduce premiums without reducing protection. These techniques will tell you how car insurance quotes work. Drivers only have to learn the tricks to compare price quotes over the internet.
How to buy Audi A7 insurance in Indianapolis
All the larger auto insurance companies such as Progressive, GEICO, Allstate and State Farm provide prices online. Comparing Audi A7 insurance rates online is pretty painless as you just type in the coverage amounts you desire as requested by the quote form. When complete, their rating system automatically retrieves your driving and credit reports and provides a quote based on these factors.
Using the web to get quotes for Audi A7 insurance in Indianapolis simplifies rate comparisons, and it is imperative to do this in order to find the most affordable premium possible.
To find out how much you can save on auto insurance, compare rates from the companies below. To compare your current rates, we recommend you duplicate the limits and deductibles identical to your current policy. This ensures you will receive rate comparison quotes based on identical coverages.
The auto insurance companies shown below are ready to provide price quotes in Indianapolis, IN. If multiple companies are listed, we suggest you get rate quotes from several of them to get the most affordable price.
Here’s why insurance is not optional
Despite the high cost of buying insurance for a Audi A7 in Indianapolis, paying for insurance is mandatory in Indiana but it also protects more than you think.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you want to drive legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Audi, it’s guaranteed your bank will stipulate that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Audi at a much higher premium rate and force you to pay a much higher amount than you were paying before.
- Insurance safeguards both your vehicle and your assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If your Audi gets damaged, your insurance policy will pay to have it repaired.
The benefits of insuring your A7 greatly outweigh the cost, particularly for liability claims. But the average American driver overpays as much as $865 each year so compare rate quotes each time the policy renews to make sure the price is not too high.
Indianapolis insurance discounts for an Audi A7
Some companies don’t always advertise all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known as well as the least known savings tricks you should be using when you buy Indianapolis auto insurance online.
- Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems could see savings of up to 25% or more.
- Safety Course Discount – Taking time to complete a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
- Driver Education Discount – Have your child successfully complete driver’s ed class as it can save substantially.
- Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their Indianapolis auto insurance quote than less cautious drivers.
- Resident Student – Youth drivers who live away from home to go to college and do not have a car may qualify for this discount.
Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.
A list of insurance companies and some of the premium reductions they offer are detailed below.
- Progressive offers discounts including multi-vehicle, homeowner, good student, continuous coverage, online signing, multi-policy, and online quote discount.
- GEICO may offer discounts for anti-theft, good student, daytime running lights, emergency military deployment, military active duty, and defensive driver.
- State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, passive restraint, driver’s education, good driver, safe vehicle, and multiple policy.
- Esurance may include discounts for Pac-12 alumni, emergency road assistance, multi-policy, renters, and Switch & Save.
- The Hartford discounts include anti-theft, vehicle fuel type, defensive driver, good student, and bundle.
Before buying, ask every prospective company how you can save money. Some credits may not be offered in Indianapolis. To choose insurance companies that offer discounts in Indianapolis, follow this link.
Compare prices but buy from a local Indianapolis insurance agency
Many drivers would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Licensed agents are trained risk managers and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find lower prices but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to companies in Indianapolis that give free quotes for your business. There is no need to visit any agencies as quotes are delivered to your email. If you have a need to compare rates from a specific company, you can always visit that company’s website and submit a quote form there.
Choosing an insurer requires more thought than just a cheap price. Some important questions to ask are:
- Is there any savings for paying the full premium?
- Where would your vehicle be repaired?
- If you are a high risk driver, do they have special markets for your coverage?
- Is the agency involved in supporting local community causes?
- Do they make recommendations based only on price?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they review policy coverages at every renewal?
Choose the right car insurance agent
If you would like to find a reliable agent, it can be helpful to understand the different agency structures and how they function. Car insurance policy providers are either independent agents or exclusive agents. Both can write car insurance policies, but it’s important to point out the difference between them since it can impact the kind of agent you use.
Exclusive Agents
Agents in the exclusive channel write business for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on what they offer which helps them sell insurance even at higher premiums. A lot of people buy from exclusive agents primarily because of the brand and solid financial strength.
Below are Indianapolis exclusive insurance agents who can help you get price quote information.
- Brandon Libunao – State Farm Insurance Agent
1014 Prospect St – Indianapolis, IN 46203 – (317) 783-3391 – View Map - Tia Walker – State Farm Insurance Agent
2169 Glebe St #100a – Carmel, IN 46032 – (317) 890-1200 – View Map - Bill Hill – State Farm Insurance Agent
7423 E 82nd St – Indianapolis, IN 46256 – (317) 849-4119 – View Map
Independent Agencies or Brokers
Independent agencies often have many company appointments so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house which requires no work on your part. If you are trying to find cheaper rates, you should always include several independent insurance agents in order to have the best price comparison. Many can place coverage with smaller mutual companies that may have much lower rates than larger companies.
Below are Indianapolis independent agencies who can help you get rate quotes.
- Steffey Hatoway Insurance
8365 Keystone Crossing #202 – Indianapolis, IN 46240 – (317) 334-3743 – View Map - Gregory and Appel Insurance
1402 N Capitol Ave #400 – Indianapolis, IN 46202 – (317) 634-7491 – View Map - A. I. King Insurance Agency, Inc.
8604 Allisonville Rd #210 – Indianapolis, IN 46250 – (317) 841-6004 – View Map
Final considerations
Consumers switch companies for a number of reasons such as questionable increases in premium, denial of a claim, policy cancellation or even high prices. Whatever your reason, choosing a new insurance company is easier than you think.
Cost effective Audi A7 insurance is attainable both online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer the ability to get quotes online and many times these regional carriers sell through independent insurance agents.
As you quote Indianapolis auto insurance, you should never reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.
Additional detailed information is located in the articles below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- How Much are Indianapolis Car Insurance Rates for Inexperienced Drivers? (FAQ)
- How Much is Indianapolis Auto Insurance for a Ford Escape? (FAQ)
- Who Has Cheap Indianapolis Auto Insurance Quotes for Hybrid Vehicles? (FAQ)
- Who Has the Cheapest Car Insurance for 18 Year Olds in Indianapolis? (FAQ)
- How Much are Auto Insurance Rates for a Mazda CX-7 in Indianapolis? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Understanding Limits and Deductibles (Allstate)
- Teen Driving Statistics (GEICO)