Compare 2014 Audi R8 Insurance Quotes

Are you drained from not being able to afford to keep your car insured? Your situation is no different than many other consumers. With so many online and local companies to choose from, it can be hard to locate the cheapest insurance company.

You should make it a habit to compare premium rates on a regular basis since prices are usually higher with each renewal. Just because you had the best price for R8 coverage a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the fastest and easiest way to remove unneeded coverages and save money.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Drivers just need to understand the proper methods to buy car insurance on the web.

Take policy discounts and save

Some insurers don’t always list the entire discount list very clearly, so we researched both well-publicized as well as the least known credits available to bring down your rates.

• Discount for Life Insurance – Some companies give better car insurancerates if you take out a life insurance policy as well.
• No Claim Discounts – Insureds with no claims or accidents pay less as opposed to frequent claim filers.
• Policy Bundle Discount – When you have multiple policies with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Safety Course Discount – Passing a class that teaches defensive driver techniques is a good idea and can lower rates and also improve your driving technique.
• Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
• Telematics Devices – Drivers who elect to allow their company to spy on driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
• Renewal Discounts – Some larger companies reward drivers for switching companies prior to your current policy expiring. You could save around 10% when you buy insurance online.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Some companies that may offer policyholders these discounts include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

If you want cheap insurance quotes, ask each company or agent which discounts you qualify for. Some credits may not apply to policyholders in your area.

How to get free auto insurance quotes online

Finding more affordable auto insurance rates is pretty simple and can save money. Consumers just need to invest a few minutes comparing price quotes to discover which company has cheaper insurance quotes. It’s really simple and can be done by following the guidelines below.

The easiest and least time consuming way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This style of form eliminates the need for separate quotation requests for each company. One form gets prices estimates from auto insurance companies with the best prices.

Another way to analyze rates requires you to visit the website for every company you want to comare and repeat the quote process again and again. For examples sake, we’ll pretend you want rates from Geico, Esurance and Travelers. To get each rate you have to spend time going to each site individually and type in your information over and over, and that explains why we recommend the first method.

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

It’s up to you how you get prices quotes, just make absolute certain that you use the same quote information on every quote. If each company quotes different limits and deductibles on each one it’s impossible to determine the best price for your Audi R8.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions might point out whether you would benefit from an agent’s advice.

• Does my policy cover my teen driver if they drive my company car?
• Will I be non-renewed for getting a DUI or other conviction?
• Does insurance cover damages from a DUI accident?
• Do I have any recourse if my insurance company denies a claim?
• Do I have coverage if my license is suspended?
• Does my 2014 Audi R8 need full coverage?
• What can I do if my company won’t pay a claim?
• Am I getting all the discounts available?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Information about specific coverages

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Audi R8.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, court costs and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, dental work, pain medications and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your R8 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, rolling your car, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Keep this in mind

We just showed you many tips how you can shop for 2014 Audi R8 insurance online. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding low cost insurance. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Discount 2014 Audi R8 insurance is attainable online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have online rate quotes and usually these small, regional companies only sell through local independent agents.

Even more information can be read at these sites:

• Child Safety FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Insurance Learning Center (State Farm)
• Teen Driving Statistics (iihs.org)