Compare 2015 Audi R8 Car Insurance Rates

Searching for the cheapest insurance rates for your Audi R8? Are you at wits end from being strong-armed each month for insurance? You are no different than many other drivers. Since people have many different company options, it can be impossible to locate the right company.

Cheaper rates with these insurance coverage discounts

Companies do not list every discount they offer very well, so the list below gives a summary of both well-publicized and also the lesser-known discounts that may be available.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • Onboard Data Collection – People who choose to allow companies to look at driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
  • Senior Citizen Rates – If you’re over the age of 55, you may qualify for lower premium rates for R8 insurance.
  • Multiple Cars – Insuring multiple cars or trucks with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Life Insurance – Some insurance companies give a break if you buy auto and life insurance together.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
  • Paperless Signup – A few larger companies provide a small discount for buying a policy and signing up digitally online.
  • New Car Discount – Buying insurance on a new vehicle can cost up to 25% less since newer vehicles are generally safer.
  • Professional Memberships – Belonging to a qualifying organization could qualify you for a break on your policy.
  • Driver’s Ed – Require your teen driver to take driver’s ed class as it can save substantially.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

Popular insurance coverage companies and some of their more popular discounts are outlined below.

  • Progressive has savings for multi-vehicle, good student, multi-policy, online signing, and homeowner.
  • MetLife offers discounts for good student, accident-free, claim-free, defensive driver, and multi-policy.
  • Mercury Insurance has discounts for professional/association, good driver, ease of repair, good student, anti-theft, and type of vehicle.
  • Nationwide policyholders can earn discounts including accident-free, easy pay, anti-theft, Farm Bureau membership, business or organization, and defensive driving.
  • Geico offers premium reductions for five-year accident-free, multi-vehicle, anti-theft, air bags, and driver training.
  • AAA may include discounts for good student, education and occupation, good driver, pay-in-full, anti-theft, multi-policy, and AAA membership discount.

Check with each company or agent how many discounts you can get. Some discounts listed above might not be offered on policies in your area. To locate insurance companies who offer insurance coverage discounts, click here to view.

Compare quotes for car insurance

Getting cheap 2015 Audi R8 car insurance pricing can be relatively painless. All you need to do is spend a few minutes comparing rates from some recommended companies. Rate comparisons can be done in several different ways.

  1. The most efficient method to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for separate quotation requests for every car insurance company. Filling out one form will return quotes from car insurance companies with the best prices.
  2. A less efficient way to shop for car insurance online is to manually visit each company website and repeat the quote process again and again. For example, we’ll pretend you want comparison quotes from State Farm, 21st Century and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site to input your insurance information, which explains why we recommend starting with the first method.

    For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing identical coverage limits for every company. If you use different values for each quote then you won’t be able to determine the lowest rate for your Audi R8.

How to lower your insurance rates

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious like your driving record, but other criteria are more obscure such as whether you are married or how financially stable you are.Consumers need to have an understanding of the factors that help calculate your policy premiums. If you understand what influences your rates, this allows you to make good choices that can earn you lower car insurance prices.

Shown below are some of the most rate-impacting factors companies use to determine premiums.

  • Why do you need liability insurance? – A critical coverage on your policy, liability insurance is the coverage that protects you if a court rules you are at fault for an accident. It provides legal defense up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Do you have a stressful employer? – Did you know your career choice can influence rates? Jobs like judges, architects and miners usually pay higher rates than the rest of us because of high stress and long work hours. On the other hand, careers such as actors, historians and the unemployed have lower than average premiums for R8 insurance.
  • Better car insurance rates with anti-theft devices – Purchasing a vehicle with an alarm system can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Compare rates if you combine your policies – Lots of companies afford lower prices to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, drivers will still want to shop around to ensure the best deal.There is a chance you can find a better deal even if you have your coverage with different companies
  • Safety ratings are a factor – Vehicles with high crash test scores get lower rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries means your insurance company pays less and cheaper rates on your policy. If your Audi R8 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Put fewer miles on your vehicle – Driving a lot of miles in a year’s time the higher your rates will be. Most insurance companies rate vehicles based upon how much you drive. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. It’s always a good idea to double check that your car insurance policy shows the correct usage for each vehicle. Improper usage on your R8 may be wasting your money.
  • Add-on coverages can add up – Policies have additional coverages that may not really be needed but may not be useful. Coverage for things like vanishing deductibles, towing, and extra life insurance coverage are some examples. They may seem like a good idea initially, but if you’ve never needed them in the past eliminate them to save money.
  • Are you male or female? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men are responsible for at-fault accidents in similar numbers, but males tend to have more serious accidents. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

Insurance can get complicated

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need an umbrella policy?
  • When can my company non-renew my policy?
  • When should I buy a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • How high should deductibles be on a 2015 Audi R8?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit a deer?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, hospital visits, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be Smart and Buy Smart

As you prepare to switch companies, do not buy poor coverage just to save money. There have been many situations where consumers will sacrifice collision coverage and learned later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Lower-priced car insurance is possible online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not offer the ability to get quotes online and usually these smaller providers prefer to sell through independent insurance agencies.

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