Do you want the cheapest auto insurance rates in Seattle, WA? Seattle buyers have a choice when searching for the best price on Audi R8 insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to compare rates.
There are more efficient ways to find auto insurance online so we’re going to tell you the best way to price shop coverage on a Audi and find the lowest possible price from both online companies and Seattle agents.
The method we recommend to get rate comparisons for Audi R8 insurance in Seattle is to take advantage of the fact most larger insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details such as if it has an alarm system, daily mileage, if the vehicle is leased, and the make and model of your vehicles. Your rating data is automatically sent to many different companies and you should receive rate quotes immediately.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in Seattle.
The providers in the list below provide price quotes in Washington. If multiple providers are shown, we suggest you visit two to three different companies in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $274 | $638 | $282 | $16 | $84 | $1,294 | $108 |
| R8 4.2 Quattro | $342 | $736 | $300 | $18 | $90 | $1,486 | $124 |
| R8 5.2 Quattro 10Cyl | $424 | $888 | $294 | $18 | $88 | $1,712 | $143 |
| R8 5.2 Quattro 10Cyl | $364 | $872 | $334 | $20 | $100 | $1,690 | $141 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can affect rates noticeably.
Impact of age and gender on car insurance rates
The illustration below shows the difference between Audi R8 insurance costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Deductible comparison
One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The tables below approximate the costs and benefits between low and high physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $482 | $1112 | $294 | $18 | $88 | $2,019 | $168 |
| R8 4.2 Quattro | $482 | $1112 | $294 | $18 | $88 | $2,019 | $168 |
| R8 5.2 Quattro 10Cyl | $580 | $1316 | $294 | $18 | $88 | $2,321 | $193 |
| R8 5.2 Quattro 10Cyl | $580 | $1316 | $294 | $18 | $88 | $2,321 | $193 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $352 | $750 | $294 | $18 | $88 | $1,502 | $125 |
| R8 4.2 Quattro | $352 | $750 | $294 | $18 | $88 | $1,502 | $125 |
| R8 5.2 Quattro 10Cyl | $424 | $888 | $294 | $18 | $88 | $1,712 | $143 |
| R8 5.2 Quattro 10Cyl | $424 | $888 | $294 | $18 | $88 | $1,712 | $143 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in specific location information which can change coverage prices noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $47 more each month or $564 a year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 9 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
Why you need to buy car insurance
Despite the high cost, buying car insurance is most likely required but also gives you several important benefits.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability coverage if you don’t want to risk a ticket. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Audi R8 has a lien holder, almost every bank will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Audi for a lot more money and force you to pay the higher price.
- Car insurance preserves not only your car but also your assets. Insurance will pay for medical bills incurred in an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your Audi gets damaged, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $869 every year so you should quote rates at every renewal to save money.
Do you qualify for discounts on Audi R8 insurance in Seattle?
Some companies don’t always publicize every policy discount very well, so the following list contains both the well known as well as some of the hidden savings tricks you should be using when you buy Seattle auto insurance online.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Discount for Low Mileage – Keeping the miles down on your Audi can qualify you for lower prices due to less chance of an accident.
- Telematics Discount – Insureds that choose to allow companies to analyze driving manner by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
- No Claim Discounts – Good drivers with no accidents pay less when compared with frequent claim filers.
- Save with a New Car – Putting insurance coverage on a new R8 is cheaper compared to insuring an older model.
- Seattle Homeowners Pay Less – Owning your own home or condo can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
- Save over 55 – If you’re over the age of 55, you may qualify for reduced rates.
- Membership in Organizations – Having an affiliation with qualifying employment or professional organizations may earn a discount when getting a Seattle auto insurance quote.
- Paper-free Discount – A handful of larger companies give back up to $50 for buying your policy on the web.
- Active Service Discounts – Having an actively deployed family member could qualify you for better prices.
One last thing about discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should definitely cut the amount you pay for coverage.
Companies that may offer quotes with most of the discounts above are:
When quoting, ask all the companies how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies everywhere. If you would like to see a list of companies with the best discounts in Seattle, follow this link.
When do I need an agent’s advice?
When it comes to buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that.
For instance, these questions can aid in determining if your insurance needs will benefit from professional help.
- How can I get my company to pay me more for my totalled car?
- What does UM/UIM cover?
- Am I covered when driving someone else’s vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is glass protection for?
- Am I covered when using my vehicle for business?
- Is a blown tire covered by insurance?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Local neighborhood insurance agents
Many drivers would prefer to sit down and talk to an agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help submit paperwork. An additional benefit of comparing rates online is you may find lower rates but also keep your business local. And buying from neighborhood insurance agencies is important especially in Seattle.
Once you complete this form (opens in new window), your coverage information gets sent to companies in Seattle that give free quotes for your insurance coverage. It’s much easier because you don’t need to contact an agency as quotes are delivered instantly to you. If for some reason you want to get a comparison quote for a specific company, just visit that company’s website and fill out the quote form the provide.
Picking an provider shouldn’t rely on just a cheap price quote. Any good agent in Seattle should know the answers to these questions.
- Will you work with the agent or an assistant?
- Do they make recommendations based only on price?
- Do they see any coverage gaps in your plan?
- Is there any savings for paying the full premium?
- What company do they have the most business with?
- Are they involved in claim handling?
- Which companies do they recommend if they are an independent agency?
Upon getting reasonable responses to all your questions and a good coverage price, it’s a good possibility that you have found an insurance company that will properly insure your vehicles.
Specific coverage details
Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, prosthetic devices, dental work, surgery and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi R8.
Because many people only purchase the least amount of liability that is required (25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liability limits.
Collision coverage
This pays for damage to your R8 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible on your R8 in order to get cheaper collision rates.
Liability auto insurance
This protects you from damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/10 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things like attorney fees, structural damage, medical expenses, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Washington state minimum liability requirements are 25/50/10 but you should consider buying better liability coverage.
Comprehensive auto coverage
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Quote more to save more
Cheaper Audi R8 insurance in Seattle can be found on the web and with local Seattle insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not offer rate quotes online and many times these smaller companies provide coverage only through independent insurance agents.
In this article, we covered quite a bit of information on how to get a better price on Audi R8 insurance in Seattle. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest car insurance rates come from a lesser-known regional company. These companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or GEICO.
More articles
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How Much is Seattle Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Affordable Seattle Auto Insurance for 17 Year Olds? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Safe Vehicles for Teens (iihs.org)