Would you like to buy low-cost insurance rates in Raleigh, NC? Raleigh drivers have options when trying to find the lowest priced Audi S8 insurance. You can either waste hours contacting agents to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance and you need to know the quickest way to quote coverages for your Audi and get the cheapest rates.
It’s a great practice to shop coverage around every six months because insurance prices are variable and change quite frequently. Even if you think you had the best rates on Audi S8 insurance in Raleigh a few years ago you will most likely find a better premium rate today. Ignore everything you know about insurance because it’s time to teach you one of the quickest ways to find lower rates on insurance.
If you are insured now or just want a better rate, you can follow these tips to get lower rates while maximizing coverage. These techniques will let you in on how car insurance quotes work and also save some money in the process Drivers only need to know the most efficient way to compare company rates instantly.
Where can I get affordable Raleigh Audi S8 insurance?
The providers in the list below can provide price comparisons in North Carolina. If you want to find cheap auto insurance in Raleigh, NC, we suggest you visit several of them to get a more complete price comparison.
Three main reasons to buy car insurance
Despite the high insurance cost for a Audi S8 in Raleigh, car insurance is not optional due to several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to get the vehicle licensed. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your S8 has a lienholder, it’s guaranteed your bank will stipulate that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Audi at a much higher premium rate and force you to reimburse them for it.
- Car insurance preserves both your vehicle and your personal assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. But the average American driver overpays more than $855 a year so shop around at least once a year to ensure rates are inline.
Cheaper rates on Audi S8 insurance in Raleigh with these insurance discounts
Car insurance is not cheap, but you may be missing some discounts that may help make it more affordable. Most are applied at the time of quoting, but some must be requested specifically prior to getting the savings.
- Defensive Driving Course – Taking time to complete a course in driver safety could save 5% or more and easily pay for the cost of the class.
- Federal Government Employee – Active or former government employment can save as much as 8% with some insurance companies.
- Home Ownership Discount – Simply owning a home can save you money since home ownership shows financial diligence.
- Switch and Save Discount – Select companies give a discount for switching companies prior to your current S8 insurance policy expiring. You can save around 10% with this discount.
- Discount for Life Insurance – Select insurance carriers reward you with a lower premium rate if you buy auto and life insurance together.
- Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates as compared to drivers with claims.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings as much as 30%.
- Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will bring down your overall premium however.
A few popular companies and a summarized list of policyholder discounts can be found below.
- State Farm has savings for multiple policy, safe vehicle, anti-theft, Drive Safe & Save, good student, accident-free, and good driver.
- GEICO discounts include driver training, five-year accident-free, anti-theft, defensive driver, good student, federal employee, and emergency military deployment.
- Liberty Mutual offers discounts for new vehicle discount, teen driver discount, multi-car, newly retired, new move discount, new graduate, and multi-policy.
- The Hartford may have discounts that include anti-theft, bundle, defensive driver, driver training, air bag, good student, and vehicle fuel type.
- MetLife policyholders can earn discounts including good driver, multi-policy, claim-free, accident-free, and good student.
- Progressive includes discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, and multi-policy.
If you need lower rates, check with all companies you are considering which discounts you may be entitled to. Some credits may not be offered in your area. If you would like to view insurance companies that offer discounts in Raleigh, follow this link.
Raleigh auto insurance company ratings
Finding the right auto insurance company is hard considering how many companies provide coverage in North Carolina. The company ratings in the next section can help you select which car insurance companies you want to consider comparing rates from.
Top 10 Raleigh Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Raleigh Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General