What affects the price of car insurance?
There are a number of factors that can affect the price that you pay for your car insurance, these include:
- Your driving history
- How old you are
- The type of car you drive
- Where you live
- Your annual mileage
Your driving history includes things like accidents, claims or convictions and they all contribute to how much you pay for your insurance. If you've recently had an accident and made a claim, it's likely to affect how much you pay for your policy.
How old you are can also impact the cost of your policy. Older drivers are often seen as more experienced and less likely to have an accident, compared to young drivers who are seen as less experienced and more likely to be involved in an accident.
The type of car you drive will also impact your insurance cost. In this case, Audis are in insurance groups 13-50 which covers a big range. The larger and more expensive your car is, the higher the insurance is likely to be. This is because spare parts and repairs are more expensive.
Where you live also has an affect on your insurance price. If you live somewhere quiet in the countryside, your insurance is likely to be cheaper than someone who lives in a city where crime and theft is higher.
Your annual mileage will also tell your insurer how much time you spend on the road. According to a lot of insurance providers, if you're doing more miles, you're more likely to be involved in an accident. Our data shows that the average annual mileage for customers is 6,5002.
2Based on Confused.com data, October - December 2024.
How can I save on Audi car insurance?
How much you pay for car insurance for your Audi depends on a lot of factors mentioned above, but there are things you can do to help bring down the cost of your policy:
- Pay annually for your policy
- Increasing your voluntary excess
- Build your no-claims bonus (NCB)
- Adding a named driver
- Consider your level of cover
- Compare quotes and buy early
If you pay annually for your policy, you'll end up paying less for your insurance. If you decide to pay monthly for your insurance, you could end up paying up to 20% more2. This is usually down to the interest that insurers charge.
Increasing your voluntary excess means you're willing to pay more towards any claims you make, which in turn should make your premium cheaper.
Build your no-claims bonus (NCB). Each year that passes without you making a claim helps improve your no-claims bonus. This in turn means that your insurer will offer discounts for each year of no-claims that you have. Don't forget you can protect your NCB on your policy as well, so if you need to claim, it won't affect your NCB
Adding a named driver to your policy with a good NCB and no convictions can help reduce the cost of your policy.
Consider your level of cover. People often think that comprehensive insurance is going to be the most expensive, so they decide to go for third-party only to try and save money. This isn't the case, with comprehensive policies often coming in cheaper than third party policies.
Compare quotes and buy early to give yourself the best chance of saving money on your car insurance. The best time to buy your car insurance is 25 days2 before your renewal date.
2Based on Confused.com data, October - December 2023
What insurance can I get for my Audi?
When you buy car insurance, you can choose from 3 levels of cover which include:
- Third-party only
- Third-party fire and theft
History of Audi
August Horch, one of Germany's pioneering personalities automobile engineers, was the founder of Audi.
In 1899 he started his own business A. Horch & Cie. in Cologne before moving to Zwickau. Following disagreement with the board, Horch left in 1909 and immediately established a second car company in Zwickau.
However, because his surname Horch was already in use by his former company and protected by trademark, he chose its Latin translation for the new company. So ‘horch’ – or ‘hark’ – became ‘audi’ .
Admittedly a bit of a mouthful, Audi Automobilwerke GmbH, Zwickau began trading in April 1910.
The first-generation Audi 80 (B1 series) was launched in 1972. By the time production of this generation ceased, more than a million cars had been built.
The 1970s was a defining period for Audi. 1974 saw the appointment of Ferdinand Piëch as Head of Technical Development. During the ‘Piëch era’ Audi became synonymous with innovative car manufacture. The five-cylinder engine (1976), turbocharging (1979) and quattro four-wheel drive (1980) stand as testimony to this innovative spirit.
The Audi Quattro made its debut in March 1980 at the Geneva Motor Show. The expression ‘Vorsprung durch Technik’ which means ‘progress through technology' was the phrase used in every Audi TV advert at this time. It certainly applied to the Audi Quattro, with a permanent four-wheel drive that made it ideal for driving on different types of road surfaces in both winter and summer.
Over 10 million cars with the Quattro drive have been produced since then. Audi has always offered the Quattro drive in different versions, customised for each model.
Audi is also making significant progress with electric car production, with what they call electromobility. They now have the e-tron GT quattro, the RS e-tron GT, the Q4 e-tron and Q4 Sportback e-tron available as part of their range of electric cars.
Throughout their history, Audi have often been grouped together with the likes of Mercedes-Benz and BMW in terms of the quality of cars that they produce, and this is still the case today.
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