2019 Audi R8 Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 27, 2024

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Trying to find lower car insurance rates for your Audi R8? Feel like you’re a prisoner to overpriced car insurance? It’s quite common and there are lots of residents who feel the same. Lots of car insurance companies contend for your business, and because of this it can be hard to compare auto insurance companies to get the best rate

Discounts can really help lower rates

Some insurers do not advertise their entire list of discounts very well, so the below list has both the well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • E-sign Discounts – Some insurance companies will discount your bill up to fifty bucks just for signing your application on your computer.
  • Discount for New Cars – Adding a new car to your policy can get you a discount since new vehicles have better safety ratings.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
  • Seat Belts Save – Drivers who require all occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Telematics Data – Drivers who elect to allow their insurance company to scrutinize driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Driver Safety – Participating in a course teaching driver safety skills can save you 5% or more and also improve your driving technique.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.

One last thing about discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

Car insurance companies that have most of these discounts include:

  • Farm Bureau
  • Liberty Mutual
  • State Farm
  • Auto-Owners Insurance

Before you buy a policy, ask every company how you can save money. Some discounts may not be available in every state. To see providers that have a full spectrum of discounts, enter your zip code here.

Which auto insurance is cheapest?

Finding more affordable 2019 Audi R8 auto insurance rates is actually easier than you may think. You just have to invest a little time comparing rate quotes from some recommended companies. This can easily be done by following the guidelines below.

  • Hands down the most simple method to compare a lot of rates at once is a comparison rater form. This quick form saves time by eliminating separate quotes for every auto insurance company. One form will return quotes from auto insurance companies with the best prices.
  • A different way to find better pricing is to manually visit each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Safeco and Progressive. You would have to take the time to go to each site and repeatedly type in your coverage information, which can take a lot of time.
  • The least recommended method to get comparison rates is going to and from local insurance agencies. Quoting online has reduced the need for local agents unless you prefer the professional advice of a licensed agent. You can, however, get prices online but still have the advice of a local agent.

Whichever way you use, be certain you are entering nearly identical coverage information on every quote you get. If you use different deductibles it will be very difficult to get a fair rate comparison.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Does my policy cover me when driving someone else’s vehicle?
  • If my 2019 Audi R8 is totaled, can I afford another vehicle?
  • What is no-fault insurance?
  • Do I need Motor Club coverage?
  • Why do I need rental car insurance?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, nursing services, dental work, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2019 Audi R8.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, falling objects and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

This covers damage to your R8 resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a building, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Do the work, save more money

You just read many ideas to save on 2019 Audi R8 insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest prices are with the least-expected company. Smaller companies often have lower rates on specific markets compared to the large companies like Allstate and Progressive.

Lower-priced 2019 Audi R8 insurance can be sourced both online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. A few companies do not provide price quotes online and many times these regional carriers only sell through independent insurance agencies.

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