2018 Audi R8 Car Insurance Quotes – 8 Policy Discounts

Looking for cheaper insurance coverage rates for your Audi R8? Finding cheaper insurance for a new or used Audi R8 can be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance coverage rates and we’ll show you the best way to quote coverages on a Audi and locate the cheapest rates from both online companies and local agents.

Finding affordable coverage is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Drivers just need to learn the best way to compare company rates over the internet.

Quote auto insurance online

Comparing auto insurance rates can be exhausting if you don’t know the easiest way. You could spend the better part of a day talking to local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies participate in a marketplace that enables customers to submit one quote, and each participating company then gives them pricing based on that data. This prevents consumers from doing form submissions to every company. To access this free quoting program, click here to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which insurance companies you want pricing from. If you would rather choose specific providers for rate comparison, we have a page of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you compare apples-to-apples information for each comparison quote. If you are comparing mixed coverages it will be nearly impossible to determine which company has the best rates.

Drivers who switch save $485 a year? Really?

Consumers can’t get away from ads that promise big savings for switching by companies like GEICO, State Farm and Progressive. All the companies say the same thing that you can save if you just switch your policy.

It sounds good, but how can they all offer you a better deal? Just pay attention to how they say it.

Companies have strict underwriting profiles for the type of driver that earns them the highest profit. For instance, this type of risk profile might have to be a married female, carries high limits, and the vehicle is rated for pleasure use. Any new insured who matches that profile may get the lowest car insurance rates and will probably cut their rates substantially.

People who do not fit the requirements will be charged higher premium rates with the end result being the customer not purchasing. The ads state “people who switch” not “everybody who quotes” can save as much as they claim. That’s why companies can make claims that they all have the best prices. That is why it is so important to do a quote comparison often. It’s just not possible to know which insurance coverage company will have the lowest premium rates for your situation.

Affordable auto insurance quotes with discounts

Car insurance companies don’t always list every policy discount in an easy-to-find place, so the following list contains both the well known as well as the least known auto insurance savings. If you do not double check each discount possible, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • ABS Brakes – Vehicles with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • New Vehicle Savings – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
  • No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to insureds who have frequent claims or accidents.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car may be insured at a cheaper rate.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
  • Defensive Driver Discounts – Completing a course teaching safe driver skills may get you a small discount if you qualify.
  • Online Discount – Some insurance companies may give you up to $50 simply for signing on their website.

Don’t be shocked that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will definitely lower the cost of your policy.

A list of companies and a selection of discounts are shown below.

  • Farmers Insurance may include discounts for switch companies, business and professional, youthful driver, mature driver, teen driver, and pay in full.
  • State Farm discounts include safe vehicle, Drive Safe & Save, defensive driving training, good driver, multiple policy, good student, and anti-theft.
  • Liberty Mutual has discounts for newly married, new vehicle discount, teen driver discount, good student, and safety features.
  • MetLife includes discounts for multi-policy, claim-free, good student, defensive driver, and good driver.
  • Progressive offers discounts for homeowner, multi-policy, online quote discount, good student, multi-vehicle, and continuous coverage.

If you need the cheapest insurance coverage quotes, ask each company or agent what discounts are available to you. Discounts might not be available to policyholders everywhere. To see auto insurance companies who offer online auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Who is covered by my policy?
  • Should I rate my 2018 Audi R8 as pleasure use or commute?
  • Does my insurance cover my expensive audio equipment?
  • Are split liability limits better than a combined single limit?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Specific coverage details

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a bird and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like doctor visits, nursing services, prosthetic devices, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi R8.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages – This will cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision – This pays for damage to your R8 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Smart consumers save more

We just presented many ways to compare 2018 Audi R8 insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding cheap insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies.

Insureds leave their current company for any number of reasons including delays in responding to claim requests, delays in paying claims, poor customer service or even policy non-renewal. Whatever your reason, finding a new auto insurance company is easier than you think.

When trying to cut insurance costs, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

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