Are you a victim of an overpriced car insurance policy? Don’t sweat it because there are many people just like you.
Unbelievable but true, over 70% of consumers kept their coverage with the same car insurance company for four years or more, and nearly the majority have never compared rate quotes at all. American consumers could save themselves almost 47% a year just by shopping around, but most undervalue the actual amount they would save if they bought a different policy.
With so many insurance providers from which to choose, it’s difficult to pick the lowest cost car insurance provider.
It is always a good idea to do rate comparisons before your next renewal because insurance rates are constantly changing. Even if you think you had the lowest premium rates on Audi Q7 insurance in San Diego on your last policy you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out the quickest way to get good coverage on Audi Q7 insurance in San Diego at a lower rate.
Car insurance providers offering cheap rates in California
The companies shown below have been selected to offer comparison quotes in California. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $428 | $774 | $596 | $36 | $178 | $2,012 | $168 |
| Q7 3.6 Premium | $454 | $912 | $464 | $28 | $138 | $1,996 | $166 |
| Q7 3.0 Premium Turbo | $378 | $724 | $534 | $32 | $160 | $1,828 | $152 |
| Q7 3.6 Quattro Turbo Diesel | $330 | $616 | $464 | $28 | $138 | $1,576 | $131 |
| Q7 3.6 Premium Plus | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Q7 3.6 Prestige S-Line | $464 | $1016 | $534 | $32 | $160 | $2,206 | $184 |
| Q7 3.6 Prestige | $266 | $510 | $456 | $26 | $136 | $1,394 | $116 |
| Q7 3.6 Premium Plus SLINE | $280 | $628 | $574 | $34 | $172 | $1,688 | $141 |
| Q7 3.0 Premium Plus S-Line Turbo | $540 | $882 | $578 | $34 | $174 | $2,208 | $184 |
| Q7 3.0 Premium Plus Turbo | $406 | $866 | $500 | $30 | $150 | $1,952 | $163 |
| Q7 3.0 Prestige S-Line Turbo | $328 | $606 | $424 | $26 | $126 | $1,510 | $126 |
| Q7 3.0 Prestige | $444 | $866 | $500 | $30 | $150 | $1,990 | $166 |
| Q7 4.2 Prestige Turbo | $574 | $1086 | $596 | $36 | $178 | $2,470 | $206 |
| Q7 4.2 Prestige S-Line 8Cyl | $518 | $882 | $442 | $26 | $132 | $2,000 | $167 |
| Q7 4.2 Quattro | $404 | $750 | $424 | $26 | $126 | $1,730 | $144 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in San Diego location which can change premium rates noticeably.
Analysis of deductible levels
The example below shows how choosing a deductible and can influence Audi Q7 insurance prices for different categories of driver ages. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Safe drivers pay less for auto insurance
The diagram below shows how traffic citations and fender-benders impact Audi Q7 premium costs for each different age group. The information is based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Auto insurance deductibles
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The comparison tables below illustrate the cost difference when you choose different physical damage deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Q7 3.6 Premium | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Q7 3.0 Premium Turbo | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Q7 3.6 Quattro Turbo Diesel | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Q7 3.6 Premium Plus | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Q7 3.6 Prestige S-Line | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Q7 3.6 Prestige | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Q7 3.6 Premium Plus SLINE | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Q7 3.0 Premium Plus S-Line Turbo | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Q7 3.0 Premium Plus Turbo | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Q7 3.0 Prestige S-Line Turbo | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Q7 3.0 Prestige | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Q7 4.2 Prestige Turbo | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Q7 4.2 Prestige S-Line 8Cyl | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Q7 4.2 Quattro | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Q7 3.6 Quattro | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Q7 3.6 Premium | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Q7 3.0 Premium Turbo | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Q7 3.6 Quattro Turbo Diesel | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Q7 3.6 Premium Plus | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Q7 3.6 Prestige S-Line | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Q7 3.6 Prestige | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Q7 3.6 Premium Plus SLINE | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Q7 3.0 Premium Plus S-Line Turbo | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Q7 3.0 Premium Plus Turbo | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| Q7 3.0 Prestige S-Line Turbo | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Q7 3.0 Prestige | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Q7 4.2 Prestige Turbo | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Q7 4.2 Prestige S-Line 8Cyl | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Q7 4.2 Quattro | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can change coverage prices substantially.
Based on the above data, using a $100 deductible will cost you approximately $42 more each month or $504 a year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 10 months between claim filings, you would come out ahead if you choose the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $182 |
| Average monthly premium for $500 deductibles (subtract): | – $140 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
Affordable Audi Q7 insurance in San Diego
Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at the time you complete a quote, but some must be specially asked for prior to getting the savings.
- E-sign – A few larger online companies provide a small discount for signing up online.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- No Charge for an Accident – Not necessarily a discount, but companies like Allstate and Progressive will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a set time period.
- Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save nearly 15% which can help you find the cheapest Audi Q7 insurance in San Diego.
- Life Insurance – Larger insurance carriers have a lower premium rate if you buy a life insurance policy as well.
- Resident Student – Children who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
- Early Switch Discount – Some companies give discounts for buying a policy before your current coverage expires. You may see this discount when you get San Diego auto insurance quotes online.
- Driver Training Discounts – Taking time to complete a defensive driving course could earn you a small percentage discount depending on where you live.
Keep in mind that most discount credits are not given to the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, that’s just not realistic. But all discounts will lower your auto insurance premiums.
To see insurance companies that offer some of these discounts in California, click here.
Do I just need basic coverages?
When quoting and comparing a policy, there isn’t really a cookie cutter policy. Each situation is unique.
Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.
- Will my insurance pay for OEM parts?
- What if I total my Audi Q7 and owe more than it’s worth?
- Is a fancy paint job covered?
- What is PIP insurance?
- Does my liability insurance cover pulling a trailer or camper?
- How high should my medical payments coverage be?
- What can I do if my company won’t pay a claim?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.
When to contact an insurance agency
A small number of people just want to go talk to an agent and we recommend doing that One of the best bonuses of comparing rate quotes online is you can get lower rates and still have a local agent. And providing support for local insurance agents is definitely important in San Diego.
After completing this simple form, the coverage information is immediately sent to participating agents in San Diego who will give competitive quotes for your coverage. You don’t have to contact any agents because prices are sent to your email. You can find the lowest rates and a licensed agent to work with. In the event you want to get a rate quote for a specific company, you would need to navigate to their website to submit a rate quote request.
Exclusive and independent San Diego car insurance agents
If you are wanting to find a local insurance agency, there are a couple of different types of agents and how they operate. Insurance policy providers are either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents (or Brokers)
Independent agents are not locked into one company and that allows them to write policies with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing rate quotes, you should always include price quotes from multiple independent agents to ensure the widest selection of prices.
Featured below are San Diego independent agents who may provide price quotes.
Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 – San Diego, CA 92127 – (858) 487-3737 – View Map
San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 – View Map
Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company and examples are American Family, State Farm, and Allstate. They are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive agencies in San Diego willing to provide price quotes.
Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171 – View Map
Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000 – View Map
Allstate Insurance: Patrick Wang
8650 Genesee Ave Ste 108 – San Diego, CA 92122 – (858) 623-3344 – View Map
Selecting a insurance agent should include more criteria than just a low price. These are some valid questions you should ask.
- Does the agency have a good rating with the Better Business Bureau?
- How long has the business existed?
- Do they offer rental car reimbursement?
- Is the quote a firm price?
- How experienced are they in personal risk management?
- Are they full-time agents?
- Is their price quote a firm figure or are their hidden costs?
- If your car is totalled, how to they determine the replacement cost?
Cheap car insurance is out there
You just read many ways to save on Audi Q7 insurance in San Diego. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the lowest priced car insurance comes from a smaller regional carrier.
As you shop your coverage around, never skimp on coverage in order to save money. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that they should have had better coverage. Your focus should be to find the BEST coverage at a price you can afford.
Low-cost Audi Q7 insurance in San Diego is definitely available both online and from local agencies, and you should compare rates from both so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and most of the time these small insurance companies only sell through independent insurance agencies.
Even more information can be read in these articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for Lyft Drivers in San Diego? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Handicapped Drivers in San Diego? (FAQ)
- How Much are Car Insurance Quotes for a Honda Civic in San Diego? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in San Diego? (FAQ)
- Who Has Cheap San Diego Auto Insurance for Uber Drivers? (FAQ)
- Who Has Cheap San Diego Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- What is Full Coverage? (Allstate)
- Teen Driving and Texting (State Farm)