Finding more affordable coverage rates for Audi R8 insurance in Pittsburgh could be a challenge for drivers who are beginners to online rate comparisons. With a ridiculous number of companies competing online, it can quickly become a burden to locate the lowest price in Pennsylvania.
How to buy lower priced Audi R8 insurance in Pittsburgh
If saving money is your primary concern, then the best way to quote cheaper auto insurance rates is to compare prices once a year from insurance carriers in Pittsburgh. You can compare rates by following these guidelines.
- Try to learn a little about coverages and the steps you can take to lower rates. Many factors that cause rate increases such as careless driving and a not-so-good credit rating can be improved by paying attention to minor details.
- Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a better price and decide to switch, verify that coverage does not lapse between policies.
One thing to remember is that you’ll want to compare the same liability limits and deductibles on every quote request and and to get quotes from as many carriers as you can. Doing this ensures an accurate price comparison and and a good selection of different prices.
Unbelievable but true according to a study the vast majority of auto insurance customers in Pennsylvania kept buying from the same company for at least the last four years, and practically 40% of auto insurance customers have never compared rates with other companies. Consumers in America could save an average of approximately 47% each year just by shopping around, but most tend to underestimate how much savings they would realize if they replace their high priced policy.
This article’s intent is to let you in on how car insurance quotes work and how you can save the most money. If you are already insured, you will be able to buy cheaper auto insurance using these tips. But Pennsylvania consumers must know the methods companies use to set your policy premium because it varies considerably.
Best companies for cheap Audi R8 insurance in Pennsylvania
The following companies have been selected to offer free rate quotes in Pennsylvania. To locate the best cheap auto insurance in PA, it’s highly recommended you click on several of them to find the most competitive auto insurance rates.
Audi R8 detailed coverage information
The information shown below showcases detailed analysis of insurance premium costs for Audi R8 models. Understanding more about how prices are determined is important for making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $378 | $884 | $316 | $18 | $94 | $1,690 | $141 |
| R8 4.2 Quattro | $378 | $884 | $316 | $18 | $94 | $1,690 | $141 |
| R8 5.2 Quattro 10Cyl | $454 | $1046 | $316 | $18 | $94 | $1,928 | $161 |
| R8 5.2 Quattro 10Cyl | $454 | $1046 | $316 | $18 | $94 | $1,928 | $161 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in Pittsburgh location which can modify prices greatly.
Rate comparison for different deductibles
One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The figures shown below approximate the rate fluctuation when you choose different insurance deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $484 | $1040 | $330 | $20 | $98 | $1,997 | $166 |
| R8 4.2 Quattro | $484 | $1040 | $330 | $20 | $98 | $1,997 | $166 |
| R8 5.2 Quattro 10Cyl | $582 | $1230 | $330 | $20 | $98 | $2,285 | $190 |
| R8 5.2 Quattro 10Cyl | $582 | $1230 | $330 | $20 | $98 | $2,285 | $190 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| R8 4.2 Quattro | $394 | $838 | $330 | $20 | $98 | $1,680 | $140 |
| R8 4.2 Quattro | $394 | $838 | $330 | $20 | $98 | $1,680 | $140 |
| R8 5.2 Quattro 10Cyl | $472 | $992 | $330 | $20 | $98 | $1,912 | $159 |
| R8 5.2 Quattro 10Cyl | $472 | $992 | $330 | $20 | $98 | $1,912 | $159 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in garaging location in Pittsburgh which can revise prices considerably.
We can derive from the above data that using a $250 deductible costs about $28 more each month or $336 every year than opting for the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 9 months between claim filings, you would most likely save money by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $178 |
| Average monthly premium for $500 deductibles (subtract): | – $150 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 9 months |
One big caveat is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. You should have some extra funds in the event you need to pay the deductible.
The example below shows how different deductible levels and can impact Audi R8 yearly insurance costs for each age group. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Bad driving habits will cost you more
The diagram below shows how traffic citations and accident claims can impact Audi R8 insurance rates for different ages of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The illustration below illustrates the difference between Audi R8 auto insurance rates with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
When to switch to liability coverage only
There isn’t a steadfast formula to stop paying for full coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Audi R8 book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your deductible. If premium cost is more than $700 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Do you qualify for these nine discounts?
Some insurers do not list every discount available in an easy-to-find place, so the below list has some of the best known and the more hidden credits that may apply to you.
- Discount for Swiching Early – Some insurance companies reward drivers for renewing your policy prior to your current R8 insurance policy expiring. You can save around 10% with this discount.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off the medical payments premium.
- Senior Citizens – If you qualify as a senior citizen, you could receive better insurance rates.
- Organization Discounts – Being a member of specific professional or occupational memberships or organizations may earn a discount on insurance.
- Accident Forgiveness – Not really a discount, but a few companies such as Allstate, State Farm and GEICO will let one accident slide before raising your premiums if you are claim-free prior to the accident.
- E-sign – A few larger online companies give back up to $50 for completing your application digitally online.
- Multiple Vehicles – Insuring several vehicles with the same insurance company can get a discount for every vehicle.
- Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote Pittsburgh auto insurance with select insurance companies.
- Distant College Student Discount – Children who live away from home at college and don’t have a car may qualify for this discount.
Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, insurance companies wouldn’t stay in business.
The example below illustrates the comparison of Audi R8 annual premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, claim-free, and marriage discounts applied.
A list of companies and some of the premium reductions they offer can be found below.
- GEICO policyholders can earn discounts including multi-policy, emergency military deployment, good student, seat belt use, and air bags.
- Travelers has discounts for continuous insurance, hybrid/electric vehicle, new car, home ownership, good student, IntelliDrive, and payment discounts.
- Nationwide offers discounts including easy pay, accident-free, anti-theft, family plan, multi-policy, and Farm Bureau membership.
- Farmers Insurance offers premium reductions for electronic funds transfer, mature driver, business and professional, pay in full, and good student.
- Esurance includes discounts for homeowner, anti-lock brakes, online shopper, Switch & Save, good driver, good student, and Pac-12 alumni.
- State Farm may include discounts for safe vehicle, accident-free, good driver, Drive Safe & Save, passive restraint, Steer Clear safe driver discount, and good student.
- Progressive has savings for continuous coverage, homeowner, online quote discount, good student, multi-vehicle, and multi-policy.
- Mercury Insurance may offer discounts for ease of repair, type of vehicle, annual mileage, professional/association, and location of vehicle.
If you are trying to find low cost Pittsburgh auto insurance quotes, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies who offer insurance discounts in Pennsylvania, click this link.
Compare rates but buy from a neighborhood Pittsburgh auto insurance agent
Certain consumers would rather visit with an insurance agent and we recommend doing that One of the great benefits of getting online price quotes is you can get the best rates and still have a local agent. Buying from and supporting local insurance agencies is definitely important in Pittsburgh.
Once you complete this simple form, your information is instantly submitted to insurance agents in Pittsburgh who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because prices are sent straight to your inbox. You can find the lowest rates AND an agent nearby. If for some reason you want to compare rates from a particular provider, you would need to go to their quote page and give them your coverage information.
Multiple types of car insurance agents in Pittsburgh
If you’re trying to find a reliable insurance agent, it helps to know the two different types of agencies and how they can quote your rates. Insurance agencies are categorized either independent agents or exclusive agents.
Independent Insurance Agents (or Brokers)
Independent agents are appointed with more than one company and that allows them to write policies through many companies enabling the ability to shop coverage around. 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 trying to find cheaper rates, we recommend you include rate quotes from at least one independent agent to have the best price comparison. Most can insure with small mutual carriers that can offer cheaper rates than bigger companies.
Below is a short list of independent agencies in Pittsburgh that may be able to provide free rate quotes.
- Kelly Insurance Group
700 River Ave # 433 – Pittsburgh, PA 15212 – (412) 325-1650 – View Map - Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114 – View Map - Rodgers Andrew F Insurance Agency Inc
Foster Plaza V, 651 Holiday Dr – Pittsburgh, PA 15220 – (412) 922-1651 – View Map
Exclusive Agencies
Agents in the exclusive channel can only place business with one company like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot shop your coverage around so keep that in mind. Exclusive agents are very knowledgeable on what they offer which aids in selling service over price. Some insured continue to choose to use an exclusive agent mainly due to the brand legacy instead of buying on price only.
The following is a list of exclusive insurance agencies in Pittsburgh who can help you get rate quotes.
- Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map - Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map
Picking an car insurance agent should include more criteria than just the quoted price. Here are some questions you might want to ask.
- Do they have designations such as AIC, CPCU, or CIC?
- Will you get a loaner vehicle if you car is being repaired?
- How will an accident affect your rates?
- Does the company use OEM repair parts?
- Are there any discounts that you might be missing?
- How are claims handled?
- Do they regularly work with personal auto policies in Pittsburgh?
Car insurance coverage information
Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Liability insurance – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as medical expenses, emergency aid, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford. Pennsylvania requires drivers to carry at least 15/30/5 but it’s recommended drivers buy better liability coverage.
The chart below shows why buying the state minimum limits may not be enough coverage.
Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as falling objects, hitting a bird, fire damage and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Audi R8.
Since a lot of drivers have only the minimum liability required by law (Pennsylvania limits are 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liability limits.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, dental work, hospital visits and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
Collision – This covers damage to your R8 resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as crashing into a building, sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible on your R8 to bring the cost down.
How to find a good Pittsburgh auto insurance company
Finding the highest-rated car insurance provider can be difficult considering how many companies are available to choose from in Pennsylvania. The rank data in the lists below could help you choose which car insurance companies you want to consider comparing prices from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Smart shoppers get results
We just showed you a lot of ways to compare Audi R8 insurance auto insurance rates in Pittsburgh. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper Pittsburgh auto insurance quotes. You may even find the lowest priced car insurance comes from a smaller regional carrier.
When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to discover later they didn’t purchase enough coverage. The aim is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
Low-cost Audi R8 insurance in Pittsburgh can be purchased on the web in addition to local insurance agencies, so you need to quote Pittsburgh auto insurance with both in order to have the best chance of saving money. Some insurance providers do not provide internet price quotes and most of the time these small insurance companies provide coverage only through local independent agents.
How to buy cheaper Audi R8 insurance in Pittsburgh
If saving money is your primary concern, then the best way to get low-cost Audi R8 insurance in Pittsburgh is to regularly compare price quotes from companies that insure vehicles in Pennsylvania.
- Spend some time learning about the coverage provided by your policy and the steps you can take to prevent high rates. Many rating factors that result in higher prices like traffic citations, accidents, and an unacceptable credit score can be improved by making minor changes in your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers. Begin your rate comparison
- Compare the new quotes to the price on your current policy and determine if cheaper R8 coverage is available in Pittsburgh. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company of your decision to cancel your current policy. Submit the completed application along with a down payment to your new carrier. When you receive it, put the new proof of insurance certificate in an easily accessible location in your vehicle.
One bit of advice is that you’ll want to make sure you compare the same level of coverage on each quote request and and to look at as many different insurance providers as possible. This enables the most accurate price comparison and a better comparison of the market.
For more information, feel free to browse the resources below:
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)