The easiest way to find lower priced auto insurance rates in Scottsdale is to regularly compare quotes from companies in Arizona.
- Try to understand how companies set rates and the changes you can make to prevent rate increases. Many risk factors that cause rate increases such as multiple speeding tickets and a not-so-good credit history can be improved by making small lifestyle or driving habit changes. Keep reading for ideas to prevent rate hikes and get discounts that may be overlooked.
- Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from many different companies. View insurance agents
- Compare the new rates to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your company or agent of your intention to cancel your current car insurance policy. Submit a completed application and payment for the new policy. Don’t forget to keep the new certificate verifying coverage with your vehicle’s registration.
A good tip to remember is that you’ll want to compare identical coverages on every price quote and and to get quotes from as many companies as possible. This ensures a fair rate comparison and a good representation of prices.
It’s a fact that insurance companies don’t want you to look at other companies. Consumers who perform rate comparisons are highly likely to switch insurance companies because there is a great chance of finding a lower rate. A recent insurance study discovered that people who compared rates regularly saved an average of $865 annually compared to drivers who never shopped around for lower prices.
If finding the cheapest price on Audi A8 insurance in Scottsdale is your objective, understanding the best ways to shop for insurance coverage can make it easier to shop your coverage around.
Lowering your auto insurance rates can be relatively painless. The only thing you need to do is take a couple of minutes to get quotes provided by online insurance companies.
The auto insurance companies shown below offer free rate quotes in Scottsdale, AZ. If your goal is to find cheap car insurance in Scottsdale, we suggest you get price quotes from several of them to get the best price comparison.
Analysis of coverages
The coverage table displayed below outlines different policy rates for Audi A8 models. Having a better idea how auto insurance policy rates are determined is important to be able to make decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A8 4.2 Quattro 4-Dr Sedan||$222||$458||$288||$18||$86||$1,072||$89|
|A8 4.2L Quattro 4-Dr Sedan||$242||$506||$288||$18||$86||$1,140||$95|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in your specific Scottsdale location which can influence rates significantly.
Audi A8 insurance premiums by gender and age
The example below visualizes the comparison of Audi A8 insurance prices for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The diagram below shows the comparison of Audi A8 auto insurance costs with and without physical damage coverage. The rates are based on no accidents or driving violations, $250 deductibles, single status, and no additional discounts are factored in.
Deciding between full coverage and liability only
There isn’t a steadfast formula to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Audi A8 claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying your deductible. If it’s costing in excess of $800 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Three good reasons to insure your Audi A8
Despite the fact that car insurance is not cheap in Scottsdale, insuring your vehicle may be required for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your A8, almost all lenders will force you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Audi at a more expensive rate and make you pay the higher price.
- Car insurance preserves your Audi and your assets. Insurance will pay for medical bills for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, your car insurance policy will pay to have it repaired.
The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. But the average American driver is overpaying over $850 per year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.
Do I just need basic coverages?
When choosing a policy for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight whether your personal situation could use an agent’s help.
- Does having multiple vehicles earn me a discount?
- Should I rate my vehicle as business use?
- How much coverage applies to personal belongings?
- Am I covered when pulling a rental trailer?
- Can I use my car for my catering business?
- Which is better, split liability limits or combined limits?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.
Insurance coverage basics
Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Liability car insurance
Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability can pay for things like loss of income, attorney fees, court costs, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.
The chart below shows why buying minimum limits may not be enough.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, X-ray expenses, pain medications, hospital visits and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive auto coverage
This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a bird, falling objects, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A8.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10 in Arizona), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.
Coverage for collisions
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like rolling your car, damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your A8 to bring the cost down.
Affordable car insurance premiums are possible
You just read many ideas to save on Audi A8 insurance in Scottsdale. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest prices come from some of the smallest insurance companies.
When you buy Scottsdale car insurance online, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest cost while still protecting your assets.
The cheapest Audi A8 insurance in Scottsdale is available from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online price quotes and many times these smaller companies work with independent insurance agents.
To read more, feel free to visit the resources below:
- Medical Payments Coverage (Liberty Mutual)
- What Auto Insurance is Cheapest for First-time Drivers in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for Low Income Drivers? (FAQ)
- How Much are Car Insurance Quotes for a Jeep Wrangler in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance for Homeowners in Scottsdale? (FAQ)
- How Much is Scottsdale Car Insurance for Drivers Requiring a SR22? (FAQ)
- Safety Belts FAQ (iihs.org)
- What is Full Coverage? (Allstate)