Compare 2015 Audi R8 Insurance Rates

Have you had enough of being strong-armed to keep your car insured? You are in the same boat as many other consumers.

Because you have many auto insurance companies to choose from, it is hard for the average consumer to choose a more affordable insurer.

You should take the time to do rate comparisons periodically because insurance prices trend upward over time. If you had the best price on R8 insurance last year you will most likely find a better rate today. There are lots of tips to save on auto insurance out there, but in just a couple of minutes you can learn the easiest ways to buy auto insurance cheaper.

The method we recommend to get rate comparisons is to understand all the major auto insurance companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is provide information like whether you are single or married, the year, make and model of vehicles, daily mileage, and how much coverage you want. Your details is then submitted to multiple top-rated companies and they provide comparison quotes instantly.

To start a rate quote now, click here and find out if lower rates are available.

You may qualify for discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but a few must be inquired about prior to getting the savings. If you do not double check each discount you deserve, you are paying more than you should be.

• Data Collection Discounts – Drivers that enable data collection to study when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
• Discount for Home Ownership – Owning a house may earn you a small savings because it shows financial diligence.
• Sign Early and Save – A few larger companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
• Government Employees – Active or retired federal employment could qualify for a slight premium decrease on R8 insurance with certain companies.
• Resident Student – Children who are attending college without a vehicle on campus may qualify for this discount.
• Bundled Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% and get you cheap insurance.
• Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared with drivers with a long claim history.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears you could get a free car insurance policy, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts are shown below.

• Mercury Insurance includes discounts for multi-car, good student, type of vehicle, age of vehicle, and anti-theft.
• Farmers Insurance has savings for youthful driver, switch companies, bundle discounts, business and professional, teen driver, homeowner, and multi-car.
• Farm Bureau may include discounts for youthful driver, multi-policy, 55 and retired, driver training, and renewal discount.
• State Farm offers premium reductions for Drive Safe & Save, passive restraint, defensive driving training, student away at school, and multiple autos.
• Allstate offers discounts including multi-policy, good student, eSmart discount, 55 and retired, and farm vehicle.
• GEICO may offer discounts for five-year accident-free, membership and employees, daytime running lights, good student, seat belt use, and defensive driver.

When getting a coverage quote, ask all the companies which discounts you qualify for. Some credits might not be available to policyholders in your area. To choose providers that offer discounts, click here.

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation may require specific advice.

• Where can I find DUI or SR-22 insurance?
• When can my company non-renew my policy?
• Do I need replacement cost coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• How do I file an SR-22 for a DUI in my state?
• Can I drive in Mexico and have coverage?
• Does my car insurance cover rental cars?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

What car insurance coverages do you need?

Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as emergency aid, medical expenses, medical services, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your R8 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like nursing services, pain medications and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2015 Audi R8.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, fire damage, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.