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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Searching for cheaper car insurance rates for your Audi R8? Nobody that owns a car likes paying for car insurance, particularly when they could find better prices if they shop around. With vehicle owners having so many insurance companies to choose from, it can be hard to pick the most cost effective insurance company.

It’s a good idea to compare prices once or twice a year because insurance prices tend to go up over time. Just because you had the lowest rate on R8 insurance a few years ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn the best ways to lower your car insurance rates.

Auto Insurance Discounts

Companies offering auto insurance don’t always advertise all disounts in an easy-to-find place, so the below list has both well-publicized and the more hidden ways to save on auto insurance.

  • Driver Training Discounts – Taking time to complete a defensive driving course could save 5% or more depending on where you live.
  • Membership in Organizations – Being in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
  • Early Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Good Student – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Low Mileage – Maintaining low annual mileage can qualify you for lower premium rates due to less chance of an accident.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy some life insurance too.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote on R8 insurance than drivers with accident claims.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and their offered discounts can be found below.

  • The Hartford has savings for air bag, driver training, vehicle fuel type, defensive driver, and bundle.
  • American Family may include discounts for air bags, mySafetyValet, multi-vehicle, early bird, defensive driver, and good driver.
  • Progressive has discounts for multi-vehicle, homeowner, multi-policy, good student, online signing, continuous coverage, and online quote discount.
  • Travelers may have discounts that include save driver, student away at school, IntelliDrive, early quote, and new car.
  • Farmers Insurance offers discounts for good student, business and professional, mature driver, youthful driver, bundle discounts, distant student, and early shopping.
  • USAA may offer discounts for good student, vehicle storage, multi-policy, family discount, multi-vehicle, safe driver, and military installation.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, new vehicle discount, newly married, newly retired, and preferred payment discount.

If you need lower rates, check with each company to apply every possible discount. Some discounts may not apply everywhere. To see auto insurance companies that provide some of the discounts listed above, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage to you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Is my ex-spouse still covered by my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, falling objects, vandalism and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your R8 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as pain medications, surgery, ambulance fees and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, repair costs for stationary objects, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Pennies from heaven

You just learned quite a bit of information on how to save on 2011 Audi R8 insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable auto insurance. Consumers may even find the lowest rates come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Budget-conscious 2011 Audi R8 insurance can be bought online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and usually these small insurance companies only sell coverage through local independent agencies.

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