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: Jun 9, 2018

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Searching for low-cost insurance for a new or used Audi R8 can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to compare rates on a Audi and locate the cheapest rates from both online companies and local agents.

Finding the best rates is not rocket science. If you have a current car insurance policy or are looking for a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Consumers only need to know the proper methods to get comparison quotes over the internet.

Shop auto insurance online

Effectively comparing auto insurance prices can be challenging if you don’t know the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company can give them a price for coverage. This prevents consumers from doing quotation requests to each company.

To find out what other companies charge click to open in new window.

One minor caviat to using this type of form is you don’t know exactly the providers you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but try to keep the same quote information for each quote you get. If you are comparing differing limits it will be nearly impossible to determine the best price for your Audi R8.

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

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Find hidden discounts on car insurance

Companies offering auto insurance don’t necessarily list every disount available in a way that’s easy to find, so the list below details a few of the more well known and also the lesser-known credits available to bring down your rates.

  • Accident Waiver – Not a discount per se, but some companies like GEICO, State Farm, and Progressive will let one accident slide before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Club Memberships – Affiliation with certain professional organizations could earn you a nice discount when shopping for car insurance.
  • Low Mileage Discounts – Low annual miles could qualify for lower prices on the low mileage vehicles.
  • Onboard Data Collection – Insureds that choose to allow data collection to look at their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
  • Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates in comparison to accident-prone drivers.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A list of car insurance companies and their offered discounts are included below.

  • State Farm includes discounts for Steer Clear safe driver discount, good student, student away at school, multiple autos, and safe vehicle.
  • GEICO offers premium reductions for multi-vehicle, defensive driver, membership and employees, anti-lock brakes, and anti-theft.
  • Progressive has discounts for online quote discount, good student, homeowner, continuous coverage, multi-vehicle, and online signing.
  • 21st Century discounts include student driver, theft prevention, defensive driver, 55 and older, and air bags.
  • American Family offers discounts including early bird, TimeAway discount, air bags, good driver, good student, and multi-vehicle.
  • The Hartford has savings for good student, vehicle fuel type, defensive driver, air bag, anti-theft, and bundle.
  • AAA offers discounts for good student, multi-policy, good driver, AAA membership discount, education and occupation, pay-in-full, and anti-theft.

It’s a good idea to ask each company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your state. For a list of insurance companies with the best car insurance discounts, follow this link.

Smart buyers know how to buy insurance for less

When buying insurance it’s important to understand a few of the rating criteria that play a part in calculating insurance rates. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to cheaper rates. Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, but others are less obvious like your vehicle usage or your vehicle rating.

  • High deductibles save money – The deductibles you choose tell how much the insured will be required to pay if you file a covered claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of covered claims could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The higher the amount the insured is willing to pay, the better rate you will receive on R8 insurance.
  • Higher rates for stressful employers – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, social workers and emergency personnel tend to pay higher rates than average because of job stress and lots of time spent away from family. On the other hand, careers such as professors, athletes and the unemployed pay the least on R8 insurance.
  • Cheaper rates with safer cars – Vehicles with good safety scores get lower rates. Safer cars result in less severe injuries and lower injury rates means your insurance company pays less and thus lower rates.
  • Don’t abuse insurance claims – Auto insurance companies give the best rates to people who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of more catestrophic claims.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Do I need replacement cost coverage on my 2012 Audi R8?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a fancy paint job covered?
  • Can my babysitter drive my car?
  • When can my company non-renew my policy?
  • Why is insurance for a teen driver so high?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need special endorsements for business use of my vehicle?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

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

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Insurance coverage basics

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance covers damage to your R8 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from flooding, hitting a deer, fire damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as surgery, funeral costs, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage


Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, structural damage, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi R8.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Make a quick buck

Throughout this article, we presented some good ideas how you can save on 2012 Audi R8 insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best car insurance rates are with the smaller companies.

A few companies do not offer online price quotes and usually these smaller companies prefer to sell through independent agents. The cheapest 2012 Audi R8 insurance is possible online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured cut collision coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

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