Car Insurance Quotes for an Audi Q7 in San Jose

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Vehicle owners new to comparing rates online will discover buying inexpensive Audi Q7 insurance in San Jose is harder than it needs to be.

Insurance for Audi Q7We don't have to tell you that insurance companies want to keep your business as long as possible. People who shop around for cheaper prices will most likely switch to a new company because the odds are good of finding more affordable rates. A recent study showed that consumers who made a habit of comparing rates saved as much as $3,450 over four years compared to drivers who never shopped around for cheaper prices.

If finding the cheapest rates on Audi Q7 insurance is why you're here, then understanding the best ways to find and compare coverage rates can save time and money.

Just remember that comparing more quotes will enable you to find a lower rate than you're paying now.

The following companies provide quotes in San Jose, CA. If multiple providers are shown, we recommend you get prices from several of them in order to get a fair rate comparison.

Insurance coverage details

The premium information shown next showcases detailed analysis of insurance prices for Audi Q7 models. Knowing how prices are figured is important for drivers to make decisions on which coverage to buy.

Audi Q7 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q7 3.6 Quattro $370 $712 $574 $34 $172 $1,862 $155
Q7 3.6 Premium $370 $712 $574 $34 $172 $1,862 $155
Q7 3.0 Premium Turbo $370 $712 $574 $34 $172 $1,862 $155
Q7 3.6 Quattro Turbo Diesel $370 $712 $574 $34 $172 $1,862 $155
Q7 3.6 Premium Plus $370 $712 $574 $34 $172 $1,862 $155
Q7 3.6 Prestige S-Line $370 $804 $574 $34 $172 $1,954 $163
Q7 3.6 Prestige $370 $804 $574 $34 $172 $1,954 $163
Q7 3.6 Premium Plus SLINE $370 $804 $574 $34 $172 $1,954 $163
Q7 3.0 Premium Plus S-Line Turbo $370 $804 $574 $34 $172 $1,954 $163
Q7 3.0 Premium Plus Turbo $370 $804 $574 $34 $172 $1,954 $163
Q7 3.0 Prestige S-Line Turbo $404 $804 $574 $34 $172 $1,988 $166
Q7 3.0 Prestige $404 $804 $574 $34 $172 $1,988 $166
Q7 4.2 Prestige Turbo $404 $804 $574 $34 $172 $1,988 $166
Q7 4.2 Prestige S-Line 8Cyl $404 $804 $574 $34 $172 $1,988 $166
Q7 4.2 Quattro $404 $804 $574 $34 $172 $1,988 $166
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can revise premiums substantially.

Physical damage deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The figures shown below lay out the rate differences when you buy lower versus higher deductibles. The first data table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Audi Q7 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Q7 3.6 Quattro $474 $780 $442 $26 $132 $1,879 $157
Q7 3.6 Premium $474 $780 $442 $26 $132 $1,879 $157
Q7 3.0 Premium Turbo $474 $780 $442 $26 $132 $1,879 $157
Q7 3.6 Quattro Turbo Diesel $474 $780 $442 $26 $132 $1,879 $157
Q7 3.6 Premium Plus $474 $780 $442 $26 $132 $1,879 $157
Q7 3.6 Prestige S-Line $474 $882 $442 $26 $132 $1,981 $165
Q7 3.6 Prestige $474 $882 $442 $26 $132 $1,981 $165
Q7 3.6 Premium Plus SLINE $474 $882 $442 $26 $132 $1,981 $165
Q7 3.0 Premium Plus S-Line Turbo $474 $882 $442 $26 $132 $1,981 $165
Q7 3.0 Premium Plus Turbo $474 $882 $442 $26 $132 $1,981 $165
Q7 3.0 Prestige S-Line Turbo $518 $882 $442 $26 $132 $2,025 $169
Q7 3.0 Prestige $518 $882 $442 $26 $132 $2,025 $169
Q7 4.2 Prestige Turbo $518 $882 $442 $26 $132 $2,025 $169
Q7 4.2 Prestige S-Line 8Cyl $518 $882 $442 $26 $132 $2,025 $169
Q7 4.2 Quattro $518 $882 $442 $26 $132 $2,025 $169
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Audi Q7 insurance with $500 deductibles
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
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can affect rates noticeably.

Based on this data, using a $250 deductible costs an average of $24 more each month or $288 each year across all Audi Q7 models than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 10 months between claims, you would probably be better off going with the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $164
Average monthly premium for $500 deductibles (subtract): - $140
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

An important sidenote is that increasing deductibles to save money means you will have to pay more of your own money when you file a claim. That will require enough money stashed away in order to pay the deductible to have repairs made.

The information below highlights how deductible selection and can affect Audi Q7 insurance rates for different categories of driver ages. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.

Annual premiums comparing men and women in San Jose

The example below illustrates the comparison of Audi Q7 insurance costs for male and female drivers. The premiums are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

Difference between full coverage and liability only rates

The information below shows the difference between Audi Q7 auto insurance costs when comparing full coverage to liability only. The premiums assume no claims, a clean driving record, $500 deductibles, single status, and no discounts are applied.

When to drop comprehensive and collision

There is no definitive guideline of when to eliminate physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's pretend your Audi Q7 replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Car insurance is available from your local insurance agencies

Many drivers just prefer to have an agent's advice and doing that can be a smart decision An additional benefit of comparing rates online is the fact that drivers can get the best rates and still have an agent to talk to. Buying from local agencies is still important in San Jose.

Insurance agents in San JoseUpon completion of this form (opens in new window), your coverage information is transmitted to insurance agents in San Jose who can give free rate quotes for your coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go to your email. You can most likely find cheaper rates and a licensed agent to talk to. If you want to get a price quote from one company in particular, you just need to navigate to their website and complete a quote there.

When finding a reliable insurance agent, there are a couple of types of agencies and how they can service your needs differently. Car insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies and that enables them to quote your coverage amongst many companies depending on which coverage is best. If premiums increase, they simply switch companies in-house and you won't have to switch agencies.

When comparison shopping, you should always get some free quotes from multiple independent agents to ensure the widest selection of prices. They often place coverage with smaller companies that can offer cheaper rates than bigger companies.

Shown below are San Jose independent insurance agencies who can help you get pricing information.

More insurance agents

Exclusive Insurance Agents

These agents are contracted to one company and some examples include Allstate, State Farm and Farm Bureau. They are unable to provide other company's prices so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on what they offer which helps them compete with independent agents. Some people will only buy from the same agent for years partially due to the brand name rather than having low rates.

Below are San Jose exclusive insurance agents that can give you comparison quotes.

More insurance agents

Selecting a car insurance agent should depend on more than just a cheap price quote. Any agent in San Jose should have no problem answering these questions:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How long has their agency been open in San Jose?
  • Is their price quote a firm figure or are their hidden costs?
  • How often do they review coverages?
  • Do they write coverage based solely on cost?
  • Is assistance available after office hours?
  • Do they specialize in personal lines coverage in San Jose?

Upon getting good answers to these questions as well as the cheapest Audi Q7 insurance in San Jose quotes, you may have found an insurance agent that is reputable and can adequately provide car insurance.