Finding cheaper insurance for your Audi Allroad in Pennsylvania could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy car insurance and we'll show you the absolute fastest way to quote coverages for a Audi and find the lowest possible price.
Finding the cheapest car insurance coverage in Philadelphia is not rocket science. If you have a policy now or are just looking to switch companies, you can use these tips to reduce premiums and still get good coverage. Vehicle owners just have to use the most efficient way to shop online from multiple companies.
Cutting your Philadelphia insurance rates can be relatively painless. The only requirement is to take time to get quotes to find out which insurance company has affordable Philadelphia car insurance quotes.
The auto insurance companies shown below have been selected to offer price comparisons in Philadelphia, PA. If the list has multiple companies, it's highly recommended you visit several of them in order to get a fair rate comparison.
Slash your insurance rates with discounts
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you do not double check each discount you qualify for, you are not getting the best rate possible.
- Auto/Home Discount - If you have multiple policies with one company you could get a discount of up to 20% and get you cheaper Allroad insurance.
- New Car Discount - Putting insurance on a new Allroad can get you a discount because newer models have to meet stringent safety requirements.
- Anti-lock Brake Discount - Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
- Drive Safe and Save - Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Good Students Pay Less - Excelling in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Drivers Education - Require your teen driver to enroll and complete driver's education in school or through a local driver safety program.
Just know that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way.
The best insurance companies and their offered discounts are outlined below.
- State Farm has savings for Drive Safe & Save, accident-free, Steer Clear safe driver discount, multiple autos, multiple policy, good driver, and passive restraint.
- Nationwide includes discounts for defensive driving, Farm Bureau membership, multi-policy, business or organization, accident-free, and easy pay.
- GEICO may have discounts that include daytime running lights, five-year accident-free, multi-policy, membership and employees, anti-theft, military active duty, and driver training.
- AAA may include discounts for AAA membership discount, pay-in-full, good student, education and occupation, multi-policy, multi-car, and anti-theft.
- 21st Century policyholders can earn discounts including defensive driver, theft prevention, student driver, anti-lock brakes, driver training, good student, and early bird.
- The Hartford offers discounts including bundle, good student, anti-theft, air bag, defensive driver, driver training, and vehicle fuel type.
Before purchasing a policy, check with every company what discounts are available to you. All car insurance discounts may not be offered in Philadelphia. To locate insurance companies who offer cheap Audi Allroad insurance quotes in Philadelphia, click here to view.
Car insurance quotes from neighborhood Philadelphia auto insurance agents
A lot of people would rather buy from a licensed agent and that is recommended in a lot of cases Professional insurance agents can help determine the best coverages and give you someone to call. One of the best bonuses of price shopping on the web is you may find lower premium rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to participating agents in Philadelphia who will gladly provide quotes for your insurance coverage. You never need to visit any agencies because prices are sent to you instantly. If you want to compare rates from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.
Finding the right company requires you to look at more than just a cheap price. These are some questions your agent should answer.
- Will the company cover a rental car if your car is getting fixed?
- Are they involved in claim handling?
- Did they already check your driving record and credit reports?
- Which companies can they place coverage with?
- Do you need full coverage on every vehicle?
Types of car insurance agents
When researching a good insurance agency, it's helpful to know the different types of agencies that you can choose from. Car insurance agents in Philadelphia are classified as either exclusive or independent (non-exclusive). Both types can sell affordable car insurance policies, but it is a good idea to know how they differ because it can factor into the kind of agent you use.
Exclusive Car Insurance Agencies
These type of agents have only one company to place business with and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They are usually well trained in insurance sales and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to the prominent brand name rather than low rates.
Below is a short list of exclusive agents in Philadelphia who may provide you with price quote information.
- Les Moore - State Farm Insurance Agent
6750 N 5th St - Philadelphia, PA 19126 - (215) 224-4400 - View Map
- Trish Floyd - State Farm Insurance Agent
7706 Castor Ave - Philadelphia, PA 19152 - (215) 725-3000 - View Map
- Joe Ems - State Farm Insurance Agent
7348 Frankford Ave - Philadelphia, PA 19136 - (215) 333-5100 - View Map
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and you don't have to find a new agent.
When comparing rate quotes, we highly recommend that you check rates from several independent agencies in order to have the best price comparison. Most have the option of insuring with companies you've never heard of which can be an advantage.
Below is a list of independent agencies in Philadelphia who can help you get price quotes.
- Crossing Insurance Group
4252 Richmond St - Philadelphia, PA 19137 - (215) 321-4990 - View Map
- National Insurance Agency
2414 Rhawn St - Philadelphia, PA 19152 - (215) 332-1100 - View Map
- The Perzel Agency, Inc.
7338 Frankford Ave - Philadelphia, PA 19136 - (215) 335-6878 - View Map
Eight factors that impact insurance rates
Lots of things are considered when you get a price on insurance. Some are obvious such as traffic violations, but other factors are less apparent such as whether you are married or your commute time.
The items below are some of the factors that factor into your rate level.
Better credit means lower rates - Having a good credit score factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims as compared to drivers with worse credit. Therefore, if your credit rating is lower than you'd like, you could potentially save money when insuring your Audi Allroad by taking the time to improve your credit score.
Multi-policy discounts can save money - Lots of insurers apply discounts to buyers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to compare Audi Allroad rates in Philadelphia to confirm you are receiving the best rates possible. It's possible to still save more without the discount even if you have your coverage with different companies
Small frequent claims are not good - Car insurance companies in Pennsylvania generally give the lowest premiums to insureds that do not abuse their auto insurance. If you file claims often, you can expect higher rates. Insurance coverage is designed for the large, substantial claims.
Better drivers pay the best costs - How you drive has a huge affect on how much you pay. Good drivers get better prices compared to bad drivers. Only having one chargeable violation can increase the cost of insurance forty percent or more. Drivers who get careless citations such as DUI or reckless driving are required to prove financial responsibility with their state in order to prevent their license from being revoked.
Commute or pleasure use - Driving more miles each year the more you'll pay to insure it. Most insurance companies price each vehicle's coverage based on their usage. Vehicles that do not get driven very much can be on a lower rate level compared to those used for work or business. Make sure your car insurance policy is showing the correct usage, because it can save money. Incorrect rating for your Allroad is throwing money out the window.
Never let your car insurance policy lapse - Having a lapse in insurance coverage is a guaranteed way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance may earn you a steep fine or even jail time.
Prevent theft and reduce car insurance rates - Choosing a vehicle with advanced anti-theft systems can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
Save money by raising physical damage deductibles - Insurance for physical damage, aka comp and collision, protects your Audi from damage. Some examples of covered claims could be colliding with a building, damage caused by hail, and damage caused by flying debris. Deductibles for physical damage define the amount you are required to spend out-of-pocket in the event of a claim. The larger the amount the insured has to pay upfront, the less your car insurance will be.
Auto insurance is not optional
Despite the high insurance cost for a Audi Allroad in Philadelphia, paying for auto insurance may be required and benefits you in several ways.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you don't want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a lienholder, most banks will make it a condition of the loan that you buy full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Audi at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
Third, auto insurance protects both your Audi and your assets. It will also reimburse you for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. 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 carrying enough insurance are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is wasting up to $800 each year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best price, not the least amount of coverage.
The cheapest Audi Allroad insurance in Philadelphia is possible from both online companies and from local insurance agents, so you need to shop Philadelphia car insurance with both in order to have the best chance of saving money. Some companies don't offer the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agents.
We covered a lot of ways to shop for Audi Allroad insurance online. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding cheaper Philadelphia car insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies.
More information can be read at these links:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Philadelphia Car Insurance for Electric Cars? (FAQ)
- How Much is Philadelphia Auto Insurance for Drivers Over Age 50? (FAQ)
- What Auto Insurance is Cheapest for College Graduates in Philadelphia? (FAQ)
- Who Has the Cheapest Philadelphia Auto Insurance Quotes for a Ford Edge? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Information for Teen Drivers (GEICO)
- Vehicle Size and Weight FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)