Save Money on Audi A8 Insurance in Mesa

A recent NerdWallet.com study revealed that nearly 70% of consumers renewed their policy with the same company for at least the last four years, and practically 40% of insurance customers have never even compared rates from other companies. The average driver in Arizona can save hundreds of dollars each year, but they just don’t understand the benefits if they switched to a more affordable policy.

The preferred way to find the cheapest price for Audi A8 insurance in Mesa is to regularly compare price quotes from companies who sell insurance in Arizona.

Step 1: Learn about what is in your policy and the measures you can control to keep rates down. Many policy risk factors that increase rates such as speeding and a substandard credit score can be rectified by making small lifestyle or driving habit changes. This article gives instructions to keep prices down and find more discounts that you may not know about.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices from multiple sources.

Step 3: Compare the new rates to your current policy and see if you can save money. If you find better rates and buy the policy, make sure coverage does not lapse between policies.

Step 4: Provide notification to your current company of your intent to cancel your current auto insurance policy and submit payment and a signed application to your new company or agent. As soon as you can, safely store the proof of insurance paperwork in your vehicle’s glove compartment or console.

The key thing to remember is to make sure you enter identical deductibles and limits on each quote and and to get price quotes from all possible companies. Doing this guarantees an accurate price comparison and maximum price selection.

Quoting and buying affordable policy in Mesa is not that difficult. If you are insured now or just want a better rate, use these money-saving tips to get lower rates without sacrificing coverage. Smart buyers just have to use the best way to compare rate quotes from many different companies online.

Finding low cost Audi A8 auto insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer getting comparison quotes to see which company has low cost Mesa car insurance quotes.

The companies in the list below have been selected to offer free quotes in Mesa, AZ. If you want to find the best car insurance in Arizona, we recommend you visit as many as you can in order to get a fair rate comparison.

Why you need auto insurance

Despite the high cost of buying insurance for a Audi A8 in Mesa, auto insurance is required in Arizona but also provides important benefits.

• Just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your A8, it’s most likely the lender will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may insure your Audi at an extremely high rate and make you pay much more than you were paying before.
• Auto insurance preserves your vehicle and your assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the repair costs.

The benefits of having auto insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in Mesa overpays more than $750 every year so we recommend shopping around at every policy renewal to make sure the price is not too high.

Premium rates and analysis

The table shown below highlights estimates of insurance policy prices for Audi A8 models. Having a good grasp of how insurance rates are formulated can aid in making informed coverage decisions.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in Mesa location which can decrease or increase auto insurance rates greatly.

Deductible comparison

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The figures shown below may help to illustrate the difference in cost when you select higher and lower coverage deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.

We can estimate from the data above that using a $100 deductible will cost you about $33 more each month or $396 each year across all Audi A8 models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 12 months between claim filings, you would come out ahead by selecting a higher deductible.

One thing to note is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You must have some available funds in the event you have to pay more for the deductible.

Safe drivers pay cheaper rates

The information below shows how violations and accident claims drive up Audi A8 insurance costs for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Gender-based auto insurance rates by age

The information below compares Audi A8 insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in.

Audi A8 liability-only versus full coverage

The chart below shows the difference between Audi A8 insurance rates with liability coverage only compared to full coverage. The data assumes no violations or accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

Should you pay for full coverage?

There is no exact rule to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your Audi A8 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for physical damage coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.

Lower rate quotes by receiving discounts

Some companies do not advertise all their discounts in an easy-to-find place, so the below list has some of the best known as well as the least known discounts that you may qualify for.

• Onboard Data Collection – Drivers that enable data collection to monitor when and where they use their vehicle through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control prevent accidents and will save you 10% or more on A8 insurance in Mesa.
• Federal Employees – Employees or retirees of the government may qualify for a discount when you quote Mesa car insurance with some car insurance companies.
• Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more on A8 insurance in Mesa.
• Driver Safety – Successfully completing a defensive driver class is a good idea and can lower rates if your company offers it.
• Mature Driver Discount – Mature drivers may receive lower premium rates.

Keep in mind that many deductions do not apply to the whole policy. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.

The information below shows the difference between Audi A8 car insurance rates with and without discounts applied to the premium. The data is based on a female driver, no violations or accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

Large car insurance companies and a selection of discounts can be found below.

• State Farm may have discounts that include defensive driving training, good student, passive restraint, safe vehicle, multiple policy, and student away at school.
• American Family offers discounts including defensive driver, Steer into Savings, TimeAway discount, multi-vehicle, early bird, good student, and air bags.
• GEICO may include discounts for driver training, multi-vehicle, multi-policy, emergency military deployment, good student, defensive driver, and military active duty.
• 21st Century policyholders can earn discounts including good student, defensive driver, early bird, air bags, and 55 and older.
• Progressive includes discounts for multi-vehicle, continuous coverage, homeowner, good student, and online signing.

When quoting, ask each insurance company which discounts they offer. Depending on the company, some discounts might not be offered in Mesa. To find companies that offer the discounts shown above in Mesa, click here to view.

How much auto insurance do I need?

Always keep in mind that when comparing the best auto insurance coverage, there really isn’t a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply.
For instance, these questions might point out whether you would benefit from an agent’s advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Are my friends covered when driving my Audi A8?
• Which is better, split liability limits or combined limits?
• What is medical payments coverage?
• Does my policy cover me if I wreck while driving under the influence?
• Do I need an umbrella policy?
• Is my state a no-fault state?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.