Compare 2016 Audi R8 Insurance Rates

Want the cheapest insurance coverage rates for your Audi R8? Tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers.

With consumers having so many insurance providers from which to choose, it is hard for the average consumer to find the most affordable provider.

The best way to compare rate quotes is to know the fact auto insurance companies provide online access to give free rates quotes. The only thing you need to do is provide information like if you are currently licensed, your general credit rating, if you went to college, and what your job is. Your insurance information is submitted instantly to insurance carriers in your area and you get price estimates very quickly.

To start a quote now, click here and see if a lower rate is available.

More discounts equal less premium

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known ways to save on insurance.

  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy online.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on R8 coverage than their less cautious counterparts.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings when buying insurance on R8 coverage.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up if your claims history is clear prior to the accident.

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Savings might not be offered in your area.

It’s not one size fits all

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I need an umbrella policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my 2016 Audi R8 need full coverage?
  • If my pet gets injured in an accident are they covered?
  • Are rental cars covered under my policy?
  • What can I do if my company denied a claim?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of your policy helps when choosing 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. Listed below are typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Audi R8.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses for pain medications, rehabilitation expenses, dental work and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance – This protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a deer and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance covers damage to your R8 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.