Audi A8 Insurance Rates in Columbus

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Discount Audi A8 insuranceUnbelievably, over 70% of drivers have purchased from the same company for over three years, and 38% of drivers have never shopped around. Ohio drivers could save almost 55% a year just by shopping around, but they just assume it takes a lot of time to save money by comparing rate quotes.

To save the most money, the best way to find the cheapest price for auto insurance rates in Columbus is to start doing an annual price comparison from providers that insure vehicles in Ohio. You can compare rates by following these guidelines.

  1. Try to understand car insurance and the steps you can take to lower rates. Many rating criteria that result in higher prices like at-fault accidents, careless driving, and a less-than-favorable credit history can be controlled by making minor changes in your lifestyle. Keep reading for the details to get cheaper coverage and find additional discounts.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices from multiple companies.
  3. Compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money, verify that coverage does not lapse between policies.
  4. Tell your current company to cancel your existing policy and submit a completed policy application and payment to your new agent or company. Be sure to keep your new certificate verifying proof of insurance along with the vehicle's registration papers.

One important bit of advice is to use similar deductibles and liability limits on each price quote and and to look at as many companies as feasibly possible. This ensures a fair rate comparison and and a good selection of different prices.

If you currently have car insurance, you will be able to get lower rates using the ideas covered in this article. The intent of this article is to let you in on how car insurance companies work and some tips to save money. But Ohio drivers need to have an understanding of how insurance companies set your policy premium and use it to your advantage.

Cheap Audi insurance rate quotes in Columbus

The companies in the list below provide price quotes in Columbus, OH. If the list has multiple companies, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Insurance coverage analysis

The data table below showcases detailed analysis of insurance prices for Audi A8 models. Understanding how insurance prices are determined can assist in making smart choices when comparing insurance quotes.

Audi A8 Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $166 $338 $214 $12 $64 $794 $66
A8 4.2L Quattro 4-Dr Sedan $180 $374 $214 $12 $64 $844 $70
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific zip code location which can impact coverage rates substantially.

Physical damage deductible comparison

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates below lay out the differences in price between high and low coverage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Audi A8 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $296 $604 $226 $14 $68 $1,233 $103
A8 4.2L Quattro 4-Dr Sedan $320 $668 $226 $14 $68 $1,321 $110
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Audi A8 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $216 $408 $226 $14 $68 $932 $78
A8 4.2L Quattro 4-Dr Sedan $234 $450 $226 $14 $68 $992 $83
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific Columbus garaging location which can alter premium rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you about $26 more each month or $312 annually across all Audi A8 models than buying the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claims, you would probably come out ahead going with the higher deductible. The illustration below shows the way we made this calculation.

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): - $81
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The example below highlights how deductible selection and can increase or decrease Audi A8 insurance costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Insurance premiums for males and females

The diagram below illustrates the comparison of Audi A8 auto insurance costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no additional discounts are factored in.

Cost of full coverage

The example below visualizes the comparison of Audi A8 premium costs with full coverage and liability only. The premiums are based on no claims or driving citations, $100 deductibles, single status, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Audi A8 replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying more than $200 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some conditions where eliminating full coverage is not recommended. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not opt for liability only.

Discounts mean cheaper rates for Audi A8 insurance in Columbus

Insurance can be pricey, but you may be missing some discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be specifically requested in order for you to get them.Insurance discounts

  • Homeowners Savings - Being a homeowner can earn you a little savings because maintaining a house requires a higher level of personal finance.
  • Anti-lock Brakes - Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Discounts for Safe Drivers - Insureds without accidents can save as much as half off their rates than drivers with accident claims.
  • Multiple Cars - Purchasing coverage when you have more than one vehicle on one policy could earn a price break for each car.
  • Policy Bundle Discount - If you can bundle your homeowners and auto insurance with one insurance company you will save nearly 15% which can help you find cheaper A8 insurance.
  • Student Discount for Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in school or through a local driver safety program.
  • Senior Citizens - Seniors may qualify for a small decrease in premiums.
  • Employee of Federal Government - Having worked for a branch of the government could cut as much as 10% off depending on your company.
  • Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Driver Safety - Completing a driver safety course could cut 5% off your bill if you qualify.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free insurance policy, companies don't profit that way. But all discounts will reduce the amount you have to pay.

The chart below visualizes the comparison of Audi A8 auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.

A list of companies and some of their more popular discounts are detailed below.

  • American Family has savings for TimeAway discount, mySafetyValet, bundled insurance, accident-free, good driver, multi-vehicle, and Steer into Savings.
  • Nationwide policyholders can earn discounts including good student, multi-policy, business or organization, easy pay, Farm Bureau membership, anti-theft, and accident-free.
  • MetLife offers premium reductions for defensive driver, good student, good driver, multi-policy, claim-free, and accident-free.
  • 21st Century may include discounts for early bird, anti-lock brakes, student driver, theft prevention, 55 and older, good student, and defensive driver.
  • Farmers Insurance offers discounts for teen driver, homeowner, bundle discounts, business and professional, multi-car, and distant student.
  • Allstate may have discounts that include economy car, new car, anti-theft, auto/life discount, early signing, and passive restraint.

If you are trying to find the cheapest Audi A8 rate quotes, ask each company or agent how you can save money. Some discounts listed above may not apply everywhere. To see a list of insurers who offer online Audi A8 insurance quotes in Columbus, click here to view.

How You Can Control Audi A8 Insurance Prices

Part of the insurance buying process is learning the rating factors that aid in calculating your premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may reward you with much lower annual insurance costs. Many factors are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, although some other factors are less apparent like where you live or your financial responsibility.

The following are some of the factors that factor into your prices.

  • The type of vehicle makes a difference - The type of car or truck you are buying insurance for makes a substantial difference in how high your rates are. The lowest base rates are usually for lower cost passenger cars, but that's not the only thing that factors into the final price.

    The following chart uses these assumptions: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Audi A8 policy rates compared to other vehicles that have different risk factors.

  • Low physical damage deductibles can be expensive - Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Audi. Some instances where coverage would apply are colliding with a building, vandalism, and rolling your vehicle. Physical damage deductibles represent how much money you are required to spend out-of-pocket before your insurance pays a claim. The more damage repair cost you're willing to pay, the lower your rates will be.
  • Better drivers pay less - Whether or not you get tickets has a big impact on rates. Having just one citation may cause rates to rise by as much as thirty percent. Attentive drivers receive lower rates than bad drivers. Drivers with license-revoking violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state's department of motor vehicles in order to prevent a license revocation.

    The information below shows how traffic citations and at-fault claims can raise Audi A8 yearly insurance costs for different ages of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

  • How many miles do you drive? - The higher the miles on your Audi in a year's time the higher your rates will be. Most insurance companies charge rates based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than cars that get driven a lot. An incorrectly rated A8 may be costing you higher rates. Ask your agent if your policy reflects the correct usage for each vehicle, because it can save money.
  • Insurance loss statistics an Audi A8 - Companies analyze past claim statistics when determining insurance rates. Models that statistically have increased claim numbers or amounts will cost more for coverage.

    The table below outlines the actual insurance loss data for Audi A8 vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Numbers under 100 suggest a positive loss record, while percentage numbers above 100 show a trend for more claims or an increased likelihood of larger losses.

    Insurance Loss Ratings for Audi A8 Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Audi A8 4dr 4WD 289 108 261
    Audi A8L 4dr 4WD 300 88 279 62

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local agents and car insurance

Certain consumers just want to talk to an insurance agent. The biggest benefit of comparing insurance prices online is you may find the best rates and still have an agent to talk to. And supporting local agents is definitely important in Columbus.

Insurance agents in ColumbusAfter filling out this form (opens in new window), your coverage information is emailed to companies in Columbus who will give you quotes for your coverage. You never need to even leave your home because prices are sent immediately to your email address. You can find better rates without having to waste a lot of time. If you want to compare prices for a specific company, you can always navigate to their website and fill out their quote form.

When looking for a reputable agency, it's helpful to know the types of agencies and how they can quote your rates. Agents are either independent or exclusive depending on the company they work for.

Independent Car Insurance Agents

Independent agents are not restricted to one company and that gives them the ability to insure through many companies and get you the best rates possible. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured.

When shopping rates, you will want to compare prices from independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with companies that do not advertise much which may provide better rates.

Listed below are Columbus independent agents who may provide pricing information.

View more Columbus agents

Exclusive Car Insurance Agencies

Exclusive agents write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot place coverage with different providers so it's a take it or leave it situation. These agents receive extensive training on their products and sales techniques which aids in selling service over price. Some insured continue to purchase coverage from exclusives mostly because of the prominent brand name and solid financial strength.

Listed below are exclusive insurance agencies in Columbus that can give you price quote information.

View more Columbus agents

Finding the right insurance agency needs to be determined by more than just the premium amount. You should also get answers to these questions.

  • Did they already check your driving record and credit reports?
  • Are claims handled at the agent's location?
  • Will high miles depreciate repair valuations?
  • How much experience to they have in personal lines coverages?
  • Which companies can they place coverage with?
  • Does the agent have a valid license to sell insurance in Ohio?
  • Does the agency have a good rating with the Better Business Bureau?
  • How often do they review coverages?

Upon getting good answers to these questions as well as the cheapest Audi A8 insurance in Columbus quotes, it's a good possibility that you have found an insurance agency that will properly insure your vehicles.

Affordable car insurance premiums are out there

People who switch companies do it for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, high prices and even questionable increases in premium. No matter why you want to switch, finding a new car insurance company can be pretty painless.

We just showed you some good ideas how to save on Audi A8 insurance in Columbus. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the most savings is with a company that doesn't do a lot of advertising.

Cheaper car insurance in Columbus is possible from both online companies in addition to many Columbus insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide price quotes online and usually these regional insurance providers sell through independent insurance agencies.

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