Would you like to stop wasting money and find cheaper car insurance rates in Seattle, WA? Seattle shoppers have options when shopping for affordable Audi A8 insurance. They can either waste time contacting agents to compare prices or leverage the internet to compare rates. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages on a Audi and get the best price possible either online or from Seattle insurance agents.
If you’re already insured or are looking for a new policy, you will benefit by learning to save money and still get good coverage. This article’s intent is to instruct you on the best way to quote coverages. Drivers only have to learn the best way to get comparison quotes from many different companies.
Many insurance companies allow consumers to get insurance quotes direct online. This process doesn’t take a lot of time because it’s just a matter of typing in the coverages you want into a form. After the form is submitted, their system obtains information on your driving record and credit history and quotes a price.
Getting online rates for Audi A8 insurance in Seattle makes it a lot easier to compare rates and it is imperative to perform this step if you want to get the most affordable insurance rates.
To quickly compare rates using this form now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you replicate the insurance coverages identical to your current policy. Doing this assures you are getting a price comparison for exact coverage.
The auto insurance companies shown below are ready to provide free quotes in Washington. If the list has multiple companies, we suggest you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $244 | $414 | $386 | $22 | $116 | $1,182 | $99 |
| A8 4.2L Quattro 4-Dr Sedan | $238 | $498 | $282 | $16 | $84 | $1,118 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can modify coverage rates considerably.
Drive safe and save
The information below shows how speeding tickets and fender-benders impact Audi A8 premium costs for different age categories. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Cost comparison with and without full coverage
The example below visualizes the comparison of Audi A8 yearly insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or violations, $1,000 deductibles, married female driver, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no clear-cut formula to stop buying physical damage insurance, but there is a general convention. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Audi A8 claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Gender-based car insurance rates by age in Seattle
The diagram below illustrates the difference between Audi A8 yearly insurance costs for male and female drivers. The data is based on no violations or claims, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
Why you need insurance for your A8
Despite the fact that car insurance is not cheap in Seattle, paying for car insurance serves a purpose in several ways.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you drive a vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Audi A8 with a loan, almost all lenders will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank may insure your Audi at an extremely high rate and require you to reimburse them for the expensive policy.
- Insurance protects both your assets and your vehicle. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If your Audi gets damaged, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying car insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America overpays more than $869 every year so it’s important to compare rates at every policy renewal to ensure rates are inline.
Car insurance in the media
Washington consumers can’t avoid all the ads for the lowest price car insurance from the likes of Allstate and Progressive. They all seem to have a common claim about how much you will save if you just switch your car insurance coverage to their company.
How does each company have lower policy pricing? It’s all in the wording.
Insurance companies have a preferred profile for the right customer that will most likely be profitable. A good example of a profitable customer might be between the ages of 40 and 55, has had continuous coverage, and has great credit. Any new insured who fits those characteristics will get low rates and will probably cut their rates substantially.
Potential insureds who fall short of this ideal profile may receive a higher premium and this can result in business not being written. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can make claims like that. Because of this risk profiling, drivers must do a quote comparison often. It’s just too difficult to predict which car insurance company will give you lower premium rates than your current company.
Save money by receiving discounts
Companies that sell car insurance don’t always publicize all possible discounts very clearly, so we break down both well-publicized and also the lesser-known discounts that may be available.
- Safe Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Defensive Driving Course – Participating in a course in defensive driver could possibly earn you a 5% discount if your company offers it.
- College Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
Consumers should know that many deductions do not apply to the whole policy. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.
For a list of companies who offer free Audi A8 insurance quotes in Seattle, click this link.
Local agents and auto insurance
Certain consumers would prefer to talk to an insurance agent and that is a personal choice. Licensed agents can help you build your policy and help you file claims. A nice benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes but still work with a licensed agent.
After filling out this simple form, your coverage information is transmitted to local insurance agents who will give competitive quotes for your auto insurance coverage. You don’t have to leave your computer as quotes are delivered to you directly. If you wish to get a rate quote from a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.
Selecting an company requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.
- If you are a high risk driver, do they have special markets for your coverage?
- How does the company pay claims for a total loss?
- Do they feel the quoted coverages are adequate?
- If independent agents, which companies do they recommend?
- Will your rates increase after a single accident?
- Do they review policy coverages at every renewal?
Two types of Seattle auto insurance agents
If you want to use a reliable insurance agent, there are a couple of different agency structures to choose from. Agents are considered either independent (non-exclusive) or exclusive. Either can sell auto insurance policies, but it’s important to point out the difference in the companies they write for because it can impact which type of agent you select.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only quote rates from one company like State Farm, Allstate, and Farm Bureau. These agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are well trained on the products they sell which aids in selling service over price. Some insured continue to buy insurance from these agents primarily because of the prominent brand name and strong financial ratings.
Below are exclusive agents in Seattle who may provide you with comparison quotes.
- Brent Amacher – State Farm Insurance Agent
2319 California Ave SW Ste A – Seattle, WA 98116 – (206) 935-0499 – View Map - Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 – View Map - Brian Chambers – State Farm Insurance Agent
3206 16th Ave W – Seattle, WA 98119 – (206) 285-3003 – View Map
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage through lots of different companies and find you the best rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.
If you need lower rates, we highly recommend that you include independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with lesser-known insurance companies that many times have cheaper rates.
The following is a short list of independent insurance agencies in Seattle that are able to give comparison quotes.
- Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map - Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map - Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Affordable insurance rates are out there
You just learned a lot of information how to get a better price on Audi A8 insurance in Seattle. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates are with the least-expected company.
When getting Seattle car insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest price.
Some insurance providers do not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies. The cheapest Audi A8 insurance in Seattle is available online and from local insurance agents, and you should be comparing both to have the best rate selection.
Additional information can be read on the following sites:
- Speed and Speed Limit FAQ (iihs.org)
- How Much are Seattle Car Insurance Rates for State Employees? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Uninsured Motorist Statistics (Insurance Information Institute)