Do you need a fast way to compare the cheapest auto insurance rates in Phoenix, AZ? Phoenix shoppers have many options when shopping for affordable Audi R8 insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to compare rates.
There is a better way to compare auto insurance rates and we’ll show you the best way to compare rates on a Audi and obtain the lowest price from Phoenix insurance agents and online providers.
We hope to introduce you to how to compare rates easily. If you currently have insurance, you will definitely be able to find better prices using the ideas you’re about to read. Consumers only need an understanding of the fastest way to shop their coverage around from many different companies online.
Cheap Phoenix car insurance quotes with discounts
Auto insurance companies don’t always advertise the complete list of policy discounts very clearly, so the below list has some of the more common and the more hidden credits that may apply to you.
- Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper because new model year vehicles keep occupants safer.
- Senior Discount – Seniors can possibly qualify for a discount up to 10%.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- ABS Brakes – Cars and trucks with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
- Onboard Data Collection – Insureds that choose to allow their car insurance company to look at driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
- Early Switch Discount – Select larger companies give a discount for buying a new policy before your current coverage expires. You could save around 10% when you buy Phoenix auto insurance online.
- Multiple Cars – Buying a policy with primary and secondary vehicles on one policy could earn a price break for each car.
- Distant College Student Discount – Youth drivers who live away from home at college and leave their car at home can receive lower rates.
We need to note that most discounts do not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, company stockholders wouldn’t be very happy.
A few companies that may have most of the discounts above include:
Before buying, ask all the companies to give you their best rates. Some credits might not be available to policyholders in Phoenix. If you would like to view providers who offer online Audi R8 insurance quotes in Phoenix, click this link.
The method we recommend to compare policy rates for Audi R8 insurance in Phoenix utilizes the fact auto insurance companies provide online access to quote your coverage. All consumers are required to do is give the companies some data such as whether you have decent credit, types of safety features, the type of vehicles you drive, and if you’re married. Those rating factors is automatically sent to all major companies and you should receive rate quotes very quickly.
If you would like to compare rates now, click here and enter the information requested.
The following companies are ready to provide price quotes in Phoenix, AZ. If multiple companies are shown, we recommend you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $344 | $862 | $390 | $24 | $116 | $1,736 | $145 |
| R8 4.2 Quattro | $398 | $940 | $404 | $24 | $122 | $1,888 | $157 |
| R8 5.2 Quattro 10Cyl | $590 | $1338 | $300 | $18 | $90 | $2,336 | $195 |
| R8 5.2 Quattro 10Cyl | $478 | $1112 | $404 | $24 | $122 | $2,140 | $178 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in specific garaging location which can lower or raise insurance rates considerably.
Choosing deductibles
A question often asked by Phoenix drivers is which deductibles should you choose. The rates shown below outline the rate differences between low and high policy deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $490 | $1130 | $300 | $18 | $90 | $2,053 | $171 |
| R8 4.2 Quattro | $490 | $1130 | $300 | $18 | $90 | $2,053 | $171 |
| R8 5.2 Quattro 10Cyl | $590 | $1338 | $300 | $18 | $90 | $2,361 | $197 |
| R8 5.2 Quattro 10Cyl | $590 | $1338 | $300 | $18 | $90 | $2,361 | $197 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $272 | $596 | $300 | $18 | $90 | $1,276 | $106 |
| R8 4.2 Quattro | $272 | $596 | $300 | $18 | $90 | $1,276 | $106 |
| R8 5.2 Quattro 10Cyl | $328 | $706 | $300 | $18 | $90 | $1,442 | $120 |
| R8 5.2 Quattro 10Cyl | $328 | $706 | $300 | $18 | $90 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can change auto insurance rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $71 more each month or $852 annually than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would probably be better off if you elect the higher deductible.
Physical damage deductible comparison
The diagram below demonstrates how deductible levels and can increase or decrease Audi R8 insurance premiums for each age group. The rates are based on a married female driver, full coverage, and no discounts are factored in.
Get rate quotes but work with a local Phoenix insurance agent
Certain consumers just want to talk to a local agent and there is nothing wrong with that. Professional insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing rates online is the fact that you can find the best rates and also buy local. And supporting local insurance agencies is important especially in Phoenix.
For easy comparison, once you complete this short form, your coverage information is instantly submitted to local insurance agents in Phoenix who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent to you. If you wish to compare rates from a specific insurance provider, you can always find their quoting web page and give them your coverage information.
Phoenix auto insurance agents come in two flavors
If you need to find a reliable insurance agency, you need to know there are two different agency structures that you can choose from. Insurance policy providers are considered either exclusive or independent (non-exclusive). Both types can insure your vehicles properly, but it’s important to know why they differ because it can influence which type of agent you select.
Independent Insurance Agencies
Agents that elect to be independent are not employed by one company so they have the ability to put coverage through many different insurance companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part. If you are comparing rate quotes, you definitely need to check rates from multiple independent agents to have the best price comparison. Most also have access to companies that do not advertise much that may have much lower rates than larger companies.
The following is a short list of independent insurance agencies in Phoenix that can possibly get you cheap rate quotes.
- Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map - General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map - Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are usually well trained on the products they sell which can be an advantage. Some people will only buy insurance from these agents partially due to loyalty to the company rather than low rates.
Shown below are exclusive agencies in Phoenix that are able to give price quotes.
- Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map - Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map - State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 – View Map
Finding a good insurance agent should include more criteria than just a cheap price. These questions are important to ask:
- Did they already check your driving record and credit reports?
- Are they actively involved in the community?
- Which company do they place the most coverage with?
- Are there any extra charges for paying monthly?
- Can they give you a list of client referrals?
Once you have received reasonable responses to any questions you have as well as a price you’re happy with, you may have just found an auto insurance agent that can be trusted to adequately provide insurance.
What is YOUR best insurance company?
Drivers switch companies for many reasons like denial of a claim, policy non-renewal, delays in paying claims and even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is actually quite simple.
When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
We’ve covered a lot of ways to reduce Audi R8 insurance premium rates online in Phoenix. The key concept to understand is the more you quote Phoenix auto insurance, the higher your chance of finding affordable Phoenix auto insurance quotes. Consumers could even find that the biggest savings come from an unexpected company.
More information can be read at the links below
- Teen Driving and Texting (State Farm)
- Who Has the Cheapest Car Insurance Rates for High School Students in Phoenix? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Phoenix? (FAQ)
- Who Has Cheap Auto Insurance for Used Cars in Phoenix? (FAQ)
- Who Has Affordable Phoenix Car Insurance Rates for High Mileage Drivers? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)