How long have you put off shopping around for cheaper Audi A8 insurance in Jacksonville? Trying to come up with a payment for overpriced insurance can deplete your savings and require stricter spending habits.
It’s shocking but almost 70% of insureds in Florida kept their coverage with the same insurance company for well over three years, and approximately 38% of consumers have never quoted insurance rates at all. Many drivers in America can cut their rates by roughly 47% a year just by getting comparison quotes, but they just don’t want to do a rate comparison.
Companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
It’s smart to price shop coverage periodically due to the fact that insurance prices tend to go up over time. Even if you think you had the best rates on Audi A8 insurance in Jacksonville a couple years back you will most likely find a better premium rate today. Block out anything you think you know about insurance because we’re going to show you one of the best ways to save on insurance.
If you currently have a car insurance policy, you will most likely be able to reduce the price you pay using the following tips. Finding the cheapest auto insurance coverage in Jacksonville can initially seem challenging. Nevertheless, Florida consumers must know how the larger insurance companies set your policy premium and use this information to your advantage.
Lower-cost Audi A8 insurance in Jacksonville
Insuring your fleet can be pricey, but you may be missing some discounts that you may not even know about. A few discounts will be applied when you purchase, but some need to be asked about before being credited.
- Club Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on insurance.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off the medical payments premium.
- Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
- Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
- Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for New Cars – Insuring a new A8 can be considerably cheaper since newer models are generally safer.
- Sign Online – A handful of insurance companies provide a small discount shop Jacksonville auto insurance online.
- Theft Deterrent – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Jacksonville auto insurance quote.
- Employee of Federal Government – Simply working for the federal government may qualify for a discount when you quote Jacksonville auto insurance depending on your company.
- Onboard Data Collection – Drivers who elect to allow driving data collection to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
You can save money using discounts, but many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.
The chart below visualizes the comparison of Audi A8 premium costs with and without discounts being applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
Insurance companies that may have most of the discounts above include:
If you need affordable Jacksonville auto insurance quotes, ask every company which discounts you qualify for. A few discounts might not be offered in your area.
When quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best rates.
The companies in the list below can provide price comparisons in Florida. If several companies are displayed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Rate information and statistics
The rate information shown below covers detailed analysis of coverage prices for Audi A8 models. Knowing how insurance prices are calculated can help guide drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $310 | $638 | $400 | $24 | $120 | $1,492 | $124 |
| A8 4.2L Quattro 4-Dr Sedan | $336 | $704 | $400 | $24 | $120 | $1,584 | $132 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific location which can impact premium rates noticeably.
Physical damage deductible comparison
When comparing insurance rates, the most common question is how high should your deductibles be. The tables below lay out the price difference when you select higher and lower insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $488 | $930 | $418 | $24 | $124 | $2,009 | $167 |
| A8 4.2L Quattro 4-Dr Sedan | $530 | $1028 | $418 | $24 | $124 | $2,149 | $179 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $396 | $750 | $418 | $24 | $124 | $1,712 | $143 |
| A8 4.2L Quattro 4-Dr Sedan | $430 | $828 | $418 | $24 | $124 | $1,824 | $152 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in specific location information which can change prices considerably.
Based on the data above, we can derive that using a $250 deductible costs approximately $25 more each month or $300 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 10 months between claim filings, you would probably be better off if you choose a higher deductible. Here’s an example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $173 |
| Average monthly premium for $500 deductibles (subtract): | – $148 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One important note is that a higher deductible level means you will have to pay more of your own money when you have a claim. You need to have access to more funds in order to pay the deductible.
Car insurance can be complex
When selecting the best car insurance coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance needs to address that.
Here are some questions about coverages that might point out if you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- If I use my vehicle for business use is it covered?
- Should I carry comprehensive and collision coverage?
- What is the rate difference between pleasure use and commuting?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I waive the damage coverage when renting a car?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Insurance is available from your local insurance agencies
Some people just want to get professional advice from a licensed agent and doing that can be a smart decision The biggest benefit of getting free rate quotes online is you may find cheaper prices but also keep your business local. And supporting local agencies is still important in Jacksonville.
For easy comparison, once you complete this simple form, your information is instantly submitted to companies in Jacksonville that can give you free Jacksonville auto insurance quotes to get your business. You won’t even need to even leave your home because quoted prices will be sent to your email. You can find lower rates and work with a local agent. If you have a need to compare prices for a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Not all car insurance agents are the same
When researching local Jacksonville agents, there are two types of insurance agents and how they can write your policy. Agents in Jacksonville are either independent or exclusive.
Independent Agents (or Brokers)
These type of agents do not sell for just one brand and that enables them to quote your coverage with any number of different companies and find the cheapest insurance rates. If prices rise, the agent simply finds a different carrier and you don’t have to switch agencies.
When shopping rates, you need to contact a couple of independent agencies to have the best price comparison.
Shown below are independent insurance agents in Jacksonville that may be able to give free price quotes.
Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map
First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 – View Map
Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map
Exclusive Insurance Agents
Exclusive insurance agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their company’s products which can be an advantage.
The following is a list of exclusive insurance agencies in Jacksonville who can help you get rate quotes.
Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 – View Map
Otis Johnson – State Farm Insurance Agent
1629 Race Track Rd Unit 104 – Jacksonville, FL 32259 – (904) 287-1523 – View Map
Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665 – View Map
Selecting an insurance agency requires you to look at more than just a cheap price quote. These are some questions you should get answers to.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agency have a positive business rating?
- Do you need full coverage on every vehicle?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How many years have they been established?
If you get good answers to these questions and a good coverage price, you may have found an insurance agency that is reputable and can service your policy. Keep in mind once you purchase a policy you can terminate coverage when you choose so never assume you’re contractually obligated to any particular company for the full term.
Learn about car insurance coverages for an Audi A8
Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, surgery, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Auto collision coverage
Collision coverage covers damage to your A8 resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like sideswiping another vehicle, crashing into a building, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your A8 to save money on collision insurance.
Comprehensive car insurance
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, falling objects and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto liability
Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 10/20/10 which stand for a limit of $10,000 per injured person, $20,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims like funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Florida requires minimum liability limits of 10/20/10 but it’s recommended drivers buy more coverage.
The next chart shows why the minimum limit may not be high enough to cover claims.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Audi A8.
Since a lot of drivers only carry the minimum required liability limits (10/20/10 in Florida), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.
Affordable coverage is out there
The cheapest Audi A8 insurance in Jacksonville can be sourced both online and also from your neighborhood Jacksonville agents, so you need to shop Jacksonville auto insurance with both to have the best selection. Some insurance companies may not offer online price quotes and these smaller companies only sell coverage through independent agencies.
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many cases, an insured dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
We covered many tips how you can shop for Audi A8 insurance online. The key concept to understand is the more companies you get prices for, the better your comparison will be. Consumers may even find the best price on auto insurance is with the smaller companies. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.
How to find the cheapest rates for Audi A8 insurance in Jacksonville
It takes a little time, but the best way to get budget car insurance rates in Jacksonville is to compare quotes once a year from insurance carriers that insure vehicles in Florida. Rate comparisons can be done by completing these steps.
- Try to comprehend car insurance and the measures you can take to prevent rate increases. Many things that result in higher rates such as high-risk driving behaviors and a low credit rating can be improved by making minor driving habit or lifestyle changes.
- Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources. Click to view companies
- Compare the new rate quotes to your current policy to see if a cheaper price is available in Jacksonville. If you find a lower rate, make sure coverage is continuous and does not lapse.
- Provide notification to your current agent or company of your intention to cancel the current policy. Submit any necessary down payment along with the completed application for your new policy. As soon as you receive it, keep your new proof of insurance paperwork with your registration paperwork.
A key point to remember is that you use identical coverages on every price quote and and to get quotes from as many companies as you can. Doing this helps ensure the most accurate price comparison and maximum price selection.
Additional detailed information can be read in these articles:
- Booster Seat Ratings (iihs.org)
- Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Jacksonville? (FAQ)
- How Much are Auto Insurance Rates for Teenage Females in Jacksonville? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance for Postal Workers in Jacksonville? (FAQ)
- Who Has Cheap Jacksonville Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Affordable Jacksonville Car Insurance Quotes for Safe Drivers? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)