How to Compare Pittsburgh Audi A8 Insurance

If your goal is the lowest price, then the best way to save on car insurance rates is to make a habit of comparing prices annually from different companies that insure vehicles in Pittsburgh.

Step 1: It will benefit you to learn about what is in your policy and the measures you can control to keep rates down. Many rating criteria that are responsible for high rates such as distracted driving and a not-so-good credit history can be eliminated by making lifestyle changes or driving safer.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote prices for many different companies. Get quotes now

Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you can save money and decide to switch, ensure coverage does not lapse between policies.

Step 4: Give notification to your current company of your decision to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new company or agent. Once coverage is bound, store the proof of insurance certificate in an easily accessible location in your vehicle.

The most important part of this process is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to get rates from all possible companies. Doing this provides an accurate price comparison and a complete price analysis.

Discount Audi A8 insuranceA recent auto insurance study revealed that the vast majority of drivers have purchased from the same company for four years or more, and just under half have never compared rates from other carriers. Pittsburgh insurance shoppers could save as much as $700 every year just by shopping around, but they underestimate the amount of savings they would get if they switched to a more affordable policy.

Choosing the best rates in Pittsburgh is quite easy. Just about every vehicle owner who is overpaying for insurance will be able to lower their premiums. But Pennsylvania vehicle owners benefit from understanding the way companies price online insurance because it can help you find the best coverage.

Most major insurance companies allow consumers to get price estimates on their websites. Doing online price comparisons for Audi A8 insurance in Pittsburgh is fairly simple as you just enter the coverages you want into the form. After you submit the form their rating system requests reports for credit and driving violations and provides a quote determined by many factors. This makes it easy to compare insurance prices and it’s necessary to do this in order to get the most affordable auto insurance rates.

To quickly use this form to compare rates, compare rates from the companies below. If you currently have coverage, we recommend that you enter the coverages just like they are on your policy. This guarantees you’re receiving rate quotes for exact coverage.

The following companies have been selected to offer price quotes in Pittsburgh, PA. If you wish to find the best car insurance in Pennsylvania, we recommend you get rate quotes from several of them to get the best price comparison.

Audi A8 insurance analysis

The rate information displayed next covers detailed analysis of coverage costs for Audi A8 models. Being aware of how insurance premiums are figured can be of help when making smart choices when buying a car insurance policy.

Audi A8 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $306 $680 $398 $24 $120 $1,528 $127
A8 4.2L Quattro 4-Dr Sedan $334 $752 $398 $24 $120 $1,628 $136
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in Pittsburgh location which can raise or lower auto insurance rates greatly.

Can higher deductibles save money?

One frequently asked question is how high should the deductibles for physical damage be. The following tables outline the price difference between high and low physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Audi A8 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $386 $734 $330 $20 $98 $1,593 $133
A8 4.2L Quattro 4-Dr Sedan $418 $810 $330 $20 $98 $1,701 $142
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Audi A8 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $238 $462 $330 $20 $98 $1,148 $96
A8 4.2L Quattro 4-Dr Sedan $258 $510 $330 $20 $98 $1,216 $101
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in your specific Pittsburgh location which can affect premiums substantially.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $39 more each month or $468 annually averaged for all A8 models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 19 months between claims, you would probably be better off if you elect the higher deductible. Here’s an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $138
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that increasing deductibles to save money results in more money out-of-pocket at claim time. You need some non-essential savings in the event you have to pay more for the deductible.

The diagram below shows how choosing a deductible and can increase or decrease Audi A8 insurance premiums for different age groups. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied.

How much more does full coverage cost in Pittsburgh?

The illustration below compares Audi A8 car insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no policy discounts are applied.

When to eliminate full coverage

There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Audi A8 claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If it’s costing you more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some situations where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Eight Tips to Get Lower-cost Pittsburgh Insurance Prices

When buying insurance it’s important to understand the different types of things that play a part in calculating your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that can help you get lower insurance prices. Lots of things are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving history, but some are less apparent like where you live or how financially stable you are.

The list below includes some of the most common factors utilized by car insurance companies to help set prices.

Never go without insurance – Having an insurance coverage lapse is a guaranteed way to bump up your insurance costs. Not only will you pay higher rates, the inability to provide proof of insurance can result in fines or a revoked license. You will then be forced to file a SR-22 with the Pennsylvania department of motor vehicles.

Rates increase with driving citations – Whether or not you get tickets impacts premiums far more than you think. Even one speeding ticket or other violation can bump up the cost substantially. Good drivers get better prices than bad drivers. Drivers who get careless tickets like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

The information below shows how speeding tickets and accident claims drive up Audi A8 car insurance rates for each age group. The premiums are based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

More performance means more cost – The make and model of the car or truck you are trying to find cheaper insurance for makes a substantial difference in your premium level. Smaller low performance passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.

The next chart uses these assumptions: single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Audi A8 car insurance rates compared to other vehicles that have different performance risks.

Poor credit can mean higher rates – Having a bad credit score can be a huge factor in calculating your premium rate. Therefore, if your credit history can be improved, you could save money insuring your Audi A8 by improving your rating. Consumers who have high credit scores tend to be better risks to insure as compared to drivers with lower credit scores.

Single drivers may pay more – Having a significant other can actually save you money when shopping for insurance. Having a spouse usually means you are more mature than a single person and it’s proven that married couples file fewer claims.

Is auto insurance cheaper for women or men? – Over the last 50 years, statistics have shown females are less aggressive when driving. Now that doesn’t mean women are better drivers. Both genders tend to get into accidents in similar numbers, but men get into accidents with more damage. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.

The chart below visualizes the comparison of Audi A8 auto insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.

Liability insurance claims can be big – Liability insurance provides coverage when you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so drivers should carry high limits.

Don’t buy extra policy coverages you don’t need – There are a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Coverages for replacement cost coverage, death and dismemberment, and extra life insurance coverage could be just wasting money. These may sound like a good investment when talking to your agent, but if you have no use for them remove them from your policy.

Audi A8 historical loss data – Car insurance companies analyze past claim statistics to help calculate a profitable premium rate. Vehicles that historically have higher prevalence or dollar amount of losses will cost more for coverage. The next table illustrates the historical loss data for Audi A8 vehicles.

For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is equal to 100. Values that are 100 or less indicate a favorable loss history, while values that are 100 or greater point to more losses or an increased probability of a larger loss.

Audi A8 Insurance Loss Statistics
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
Statistics from for 2013-2015 Model Years

Why you need insurance for your vehicle

Even though Pittsburgh A8 insurance rates can get expensive, buying insurance serves several important purposes.

The benefits of having insurance definitely exceed the cost, especially with large liability claims. Today the average American driver is overpaying over $869 every year so compare rates once a year at a minimum to help ensure money is not being wasted.

Ratings for Pennsylvania car insurance companies

Selecting the right insurance company is hard considering how many companies there are to choose from in Pittsburgh. The company rank data in the next section may help you decide which auto insurance companies to look at comparing rate quotes with.

Top 10 Pittsburgh Car Insurance Companies Overall

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA