Cheap 2009 Audi R8 Car Insurance Cost

Buyers have a choice when searching for low-cost Audi R8 insurance. They can either waste time contacting agents getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to quote coverages for a Audi and find the best price possible.

How to Compare Car Insurance Costs

Cutting your car insurance rates is not rocket science. Just invest a little time comparing price quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. A single, simple form gets you price quotes from several companies. It’s the fastest way to compare.
  2. A more difficult way to compare rate quotes consists of going to the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want rates from USAA, Safeco and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

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

  3. The least efficient way of comparing rate quotes is to drive around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. Drivers can obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using the exact same coverage information on every quote you get. If you are comparing mixed coverages it’s not possible to find the best deal for your Audi R8.

Companies offer discounts so take them!

Auto insurance companies don’t necessarily list every available discount very clearly, so here is a list both well-publicized as well as the least known insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • No Claims – Good drivers with no accidents pay less when compared to drivers who are more careless.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.

Consumers should know that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

For a list of providers who offer insurance discounts, click this link.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining if you could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Does my car insurance cover rental cars?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I pay less for low miles?
  • Is my ex-spouse still covered by my policy?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Audi R8 rate determination is complex

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

The list below includes a partial list of the pieces used by your company to calculate prices.

  • Bundling policies can get discounts – The majority of car insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to ensure the best deal.
  • More claims means more premium – Companies provide better rates to policyholders who file claims infrequently. If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Pleasure use or commuting – The more miles you rack up on your Audi every year the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your R8 can cost quite a bit. Ask your agent if your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • How’s your driving record? – Even a single moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Car features impact rates – Owning a car with an alarm system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Increase deductibles and save – The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on R8 coverage.
  • Don’t cancel a policy without a new one in place – Driving without insurance can get your license suspended and car insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection if ever you are found to be at fault for damages caused by your negligence. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

Detailed coverages of your auto insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage

Med pay and PIP coverage kick in for bills such as pain medications, X-ray expenses, chiropractic care, hospital visits and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible


This coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage protection

This coverage covers damage to your R8 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi R8.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a Smart Shopper

Cheaper 2009 Audi R8 insurance can be purchased online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented a lot of tips how to lower your insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage to discover at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford.

Much more information about auto insurance is located at the links below