Audi Car Insurance - Characteristics that Influence Audi Car Insurance Cost

Audi is known for their beautifully luxurious cars, but they also go out of their way to include car features that ensure safety and sustainability. Most luxury cars from other companies are designed for speed, horsepower, and looks and do not include the same safety features that Audi includes in their vehicles. Because of this, Audi car insurance will be much less expensive than most other luxury car insurances. However, among the Audi models, several things are taken into consideration when deciding on a car insurance price.

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The first thing to consider is the year and model of your Audi. Older Audis are less expensive to insure. However, older models do not have the same safety features as newer models, so an owner of an older Audi may receive fewer safety discounts. For example, the 2011 Audi A3 has air bag installments lining both the front and back windows of the vehicle, allowing for better protection when an accident occurs. The 1998 Audi A3 only has air bags in the steering wheel and above the glove compartment. Car insurance companies give more discounts for vehicles that have more safety features.

Car insurance companies also look at how likely it is for an accident to occur. This depends both on the driver and the vehicle. If a driver has taken a defensive driving course, 10% is usually knocked off the insurance price. When considering the likelihood of an accident for a particular vehicle, safety features are again a key factor. The 2011 Audi A3 automatically stops when it senses a car in front of it in order to avoid rear-ending another vehicle. One of the most common car accidents is a rear-end collision. All 2011 Audi models have this rear-end collision avoidance feature, which lowers its chances of getting into an accident.

Some Audi models, such as the 2011 Audi Q7, have a rear-view camera to assist the driver when in reverse. This feature helps ensure that the driver does not hit other vehicles when backing out of their driveway into oncoming traffic or when fitting themselves into a parking space. This also helps decrease the chance of getting into an accident, which will in turn help lower car insurance costs.

Insurance companies also consider how much it will cost to replace the vehicle. For newer Audi models, the cost to replace is much higher since the car itself is more expensive. Other models, such as models from 1998, will cost much less to replace, allowing insurance costs to be lower. A brand new Audi A3 costs around $27,000. A 1998 model of the same car can be sold for as low as $800. The 1998 model would cost much less to replace.

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Newer Audi models have built-in anti-theft alarm systems to prevent others from breaking into the car. Many insurance companies give discounts to drivers with vehicles that have advanced anti-theft features. Older models can have a car alarm installed and receive the same discount. Insurance costs also depend on how fuel-efficient a car is. 2011 Audi models get around forty miles to the gallon, which is great for a luxury car. Many other brands of luxury cars are not only charged higher insurance, but are also charged a fee for guzzling gas.

For someone with a great driving record, the average insurance cost of a 2011 Audi A3 is around $1,250 a year. For a more expensive 2011 model, such as an Audi S4, the insurance can get as high as $2,000 a year. The 2011 Audi TTS is about $5,000 more than the S4, so the average insurance is between $100 and $200 more a year. Most 2011 Audi models range between $1,200 and $2,000 a year in insurance costs. This is much cheaper than most other luxury vehicles. Used models and older models will have less expensive insurance costs than a brand new 2011 Audi model.