Five Minute Lesson to Buying Coverage Online for an Audi V8 Quattro

No one in their right mind likes paying for car insurance, especially when their premiums are through the roof. Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive cheapest price

It’s a good habit to do rate comparisons yearly because rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates for V8 Quattro coverage a couple years back there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

Car Insurance Comparison Rates

Reducing your insurance rates is not rocket science. Consumers just need to spend a little time to compare rate quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms for each company. Just one form will return price quotes from car insurance companies with the best prices.
A more time consuming way to compare prices is spending the time to visit each company’s website and request a quote. For examples sake, let’s say you want to compare Nationwide, Esurance and Liberty Mutual. To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
The hardest way to get comparison rates is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the professional guidance of a local agent. You can, however, comparison shop your insurance online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever method you choose, compare exactly the same coverages for each comparison quote. If you compare mixed coverages then you won’t be able to determine the best price for your Audi V8 Quattro.

Take discounts and save

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but a few need to be inquired about before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Military Discounts – Having a deployed family member may qualify for rate reductions.
Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
Defensive Driving Course – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Homeowners Discount – Being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

Car Insurance through a local agent

A small number of people prefer to talk to a local agent and that is OK! Good agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you may find better rates but still work with a licensed agent. Buying from local insurance agencies is especially important in smaller rural communities.

To find an agent, once you fill out this quick form, the quote information is sent to companies who will compete to get your business. You won’t need to leave your computer as quotes are delivered straight to your inbox. Now that’s easy!

Best car insurance agent

When finding a reliable agent, there are two different agency structures from which to choose. Insurance agencies are classified as either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s important to know the difference between them because it can influence your selection of an agent.

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices. Auto insurance in

Captive Insurance Agents

Captive agents work for only one company such as State Farm or Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agents are well schooled on their products and sales techniques which helps them compete with independent agents.

To view a full list of agencies, click here.

Selecting an insurance agency requires more thought than just a low price. Here are some questions to ask:

Will their companies depreciate repairs to your car based on the mileage?
How long has their agency been open?
Do they feel the quoted coverages are adequate?
Which members of your family are coverage by the policy?
Is vehicle damage repaired with OEM or aftermarket parts?
Will your rates increase after a single accident?
How are they compensated?
How much will you save each year by using a higher deductible?

Upon receiving satisfactory answers as well as a affordable price, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.

When should I use an insurance agent?

When choosing the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover if your situation might need an agent’s assistance.

What can I do if my company denied a claim?
If my Audi V8 Quattro is totaled, can I afford another vehicle?
Am I covered when driving someone else’s vehicle?
Am I covered when driving in Canada or Mexico?
Is there coverage for injuries to my pets?
Are there companies who specialize in insuring high-risk drivers?
Do I benefit by insuring my home with the same company?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Pieces of the Audi V8 Quattro rate puzzle

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes some of the factors that factor into your rates.

Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Audi V8 Quattro scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
The type of vehicle makes a difference – The performance of the vehicle you own makes a big difference in determining your rates. Due to the fact that the Audi V8 Quattro is classified as a luxury sedan, insurance will be more compared to average rates. Lower performance four cylinder passenger vehicles generally have the cheapest insurance rates, but there are many factors that impact the final cost.
Proper usage rating affects rates – The more miles you rack up on your Audi in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy shows how each vehicle is driven. If your policy improperly rates your V8 Quattro can result in significantly higher rates.
Frequent car insurance claims increase rates – Car insurance companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Always keep insurance in force – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance might get you a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
How your age affects price – Teenage drivers tend to get distracted easily behind the wheel so they pay higher car insurance rates. Parents adding a teen driver onto your car insurance can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.
Do you need the policy add-ons? – There are many extra coverages that can waste your money on your V8 Quattro policy. Insurance for vanishing deductibles, accident forgiveness and motor club memberships are examples of these. These may sound like a good investment at first, but if you don’t need them eliminate the coverages to reduce your premium.

Car insurance ads bend the truth

Drivers constantly see and hear ads for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim that you’ll save big after switching your coverage to them.

But how can every company say the same thing?

Different companies have a preferred profile for the type of customer they prefer to insure. For example, a profitable customer might be profiled as over the age of 40, is a homeowner, and has a high credit rating. Any driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to the “perfect” profile will be charged higher rates and ends up with the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the savings.

That is why it is so important to get as many comparisons as possible. It is impossible to predict the company that will have the lowest rates.

A tidy conclusion

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Affordable Audi V8 Quattro insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented many ways to save on Audi V8 Quattro insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with a smaller regional carrier. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.