Unbelievably, 70% of consumers have stayed with the same insurance company for a minimum of four years, and almost half have never even compared quotes to find lower-cost rates. With the average premium in Louisiana being $2,860, drivers can save almost $900 each year just by getting comparison quotes, but they feel it’s too difficult to compare rate quotes online.
If you want to save the most money, the best way to find low-cost prices for Audi A8 insurance is to start comparing prices yearly from providers who provide car insurance in New Orleans.
- Read and learn about the different coverages in a policy and the steps you can take to keep rates in check. Many policy risk factors that drive up the price such as traffic citations and an unacceptable credit history can be controlled by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of companies.
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
One thing to point out is to try to use identical deductibles and limits on every quote and and to get rate quotes from as many different companies as possible. This ensures the most accurate price comparison and maximum price selection.
Most larger insurance companies like GEICO, State Farm and Progressive provide coverage price quotes directly from their websites. Obtaining pricing for Audi A8 insurance in New Orleans is easy for anyone as you simply enter the coverage amounts you desire into a form. After the form is submitted, their rating system requests your driving record and credit report and generates a price based on the data you entered.
Being able to quote online for Audi A8 insurance in New Orleans makes comparing rates easy, and it is imperative to compare as many rates as possible in order to find cheaper rates.
To quickly fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend you input coverages and limits just like they are on your policy. This helps ensure you will have comparison quotes for exact coverage.
The providers in the list below offer comparison quotes in Louisiana. In order to find the best cheap car insurance in LA, we suggest you visit several of them to get the most competitive price.
Three reasons to insure your A8
Even though it’s not necessarily cheap to insure an Audi in New Orleans, buying car insurance is required in Louisiana but also provides important benefits.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability insurance coverage in order to be legal. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Audi A8, most lenders will require that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Audi at a much higher rate and force you to pay much more than you were paying before.
- Insurance safeguards not only your Audi A8 but also your financial assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $700 annually so you should quote rates at every renewal to make sure the price is not too high.
Data for Audi A8 insurance
The price information shown below outlines different coverage prices for Audi A8 models. Learning as much as possible about how insurance quotes are formulated can aid in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $466 | $1026 | $436 | $26 | $130 | $2,084 | $174 |
| A8 4.2L Quattro 4-Dr Sedan | $506 | $1134 | $436 | $26 | $130 | $2,232 | $186 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can revise prices substantially.
Deductible comparison
When comparing insurance rates, the most common question is where should you set your physical damage deductibles. The following tables outline how much more rates are when you choose different physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $544 | $1036 | $464 | $28 | $140 | $2,237 | $186 |
| A8 4.2L Quattro 4-Dr Sedan | $590 | $1144 | $464 | $28 | $140 | $2,391 | $199 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $336 | $652 | $464 | $28 | $140 | $1,620 | $135 |
| A8 4.2L Quattro 4-Dr Sedan | $364 | $720 | $464 | $28 | $140 | $1,716 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in your specific New Orleans location which can raise or lower prices considerably.
Based on the figures above, using a $250 deductible costs roughly $54 more each month or $648 for a full year across all Audi A8 models than buying the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 14 months between claim filings, you would probably come out ahead going with the higher deductible.
Irresponsible driving raises your rates
The information below shows how violations and at-fault claims drive up Audi A8 yearly insurance costs for each age group. The rates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Full coverage rates vs. liability-only in New Orleans
The chart below illustrates the difference between Audi A8 auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no set guideline that is best for determining when to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your Audi A8 settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If it’s costing in excess of $800 a year for full coverage, then you might consider buying liability only.
There are some conditions where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Take policy discounts and save on Audi A8 insurance in New Orleans
Some insurance providers do not list every possible discount very clearly, so the list below details some of the more common and also the more inconspicuous credits available to you.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% but check with your company.
- Switch and Save Discount – Some insurance companies give discounts for signing up before your current coverage expires. You could save around 10% when you buy New Orleans auto insurance online.
- Low Mileage Discounts – Driving less may enable drivers to earn substantially lower premium rates.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce your overall bill.
The illustration below shows the comparison of Audi A8 car insurance costs with and without discounts applied. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Louisiana state minimum liability limits, full coverage, 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, safe-driver, claim-free, marriage, and homeowner discounts applied.
Larger car insurance companies and a selection of discounts are:
- Farmers Insurance offers discounts for switch companies, business and professional, electronic funds transfer, bundle discounts, alternative fuel, early shopping, and multi-car.
- State Farm has discounts for good student, Drive Safe & Save, student away at school, accident-free, and anti-theft.
- Liberty Mutual may offer discounts for newly married, hybrid vehicle, teen driver discount, exclusive group savings, newly retired, new vehicle discount, and good student.
- MetLife includes discounts for good student, good driver, claim-free, accident-free, multi-policy, defensive driver
- Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, good student, homeowner, and continuous coverage.
If you want inexpensive New Orleans auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies everywhere.