2009 Audi R8 Car Insurance Quotes – 8 Ways to Save

Nobody I know likes paying for insurance, particularly when they are paying too much.

Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute lowest cost out there.

It’s a good idea to check insurance prices occasionally because prices tend to go up over time. Despite the fact that you may have had the lowest price for R8 coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

The quickest method to compare insurance rates from multiple companies is to know the fact all the major auto insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide a little information like an estimate of your credit level, the year, make and model of vehicles, your occupation, and driver details. That information is submitted instantly to insurance companies and they provide comparison quotes instantly to find the best rate.

To check rates for your 2009 Audi R8, click here and enter your coverage details.

Discounts are available to cut your rates

Companies don’t necessarily list all available discounts very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Own a Home – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Government Employees – Active or retired federal employment can save as much as 8% for R8 coverage with select insurance companies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy qualifies for this discount.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your area.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine if you will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my custom paint covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when pulling a rental trailer?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I still get insurance after a DUI?
  • Does coverage extend to my business vehicle?
  • Is my dog or cat covered if injured in an accident?

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

Auto insurance coverage information

Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, theft and falling objects. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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 damage to your Audi R8.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, ambulance fees, funeral costs, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, attorney fees and medical expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.