If you want to save money, the best way to find low-cost prices for auto insurance rates in Raleigh is to do a yearly price comparison from insurers who can sell car insurance in North Carolina.
- Try to comprehend how auto insurance works and the things you can control to drop your rates. Many rating factors that cause high rates such as traffic citations, accidents, and a lousy credit rating can be improved by paying attention to minor details.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
- Compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your agent or company to cancel your current auto insurance policy and submit the signed application along with the required initial payment for the new policy. Immediately upon receiving it, place your new certificate of insurance in your glove compartment.
A tip to remember is to make sure you enter the same liability limits and deductibles on every quote request and and to get quotes from as many companies as you can. Doing this helps ensure the most accurate price comparison and a complete price analysis.
Sad but true, most drivers in North Carolina have remained with the same auto insurance company for a minimum of four years, and practically 40% of auto insurance customers have never compared rates with other companies. American drivers can save hundreds of dollars each year just by shopping around, but most just don’t grasp the rate savings if they moved their coverage to a different company.
Do you qualify for discounts on Audi A8 insurance in Raleigh?
Auto insurance can be pricey, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but a few need to be specifically requested before you get the savings.
- Low Mileage – Keeping the miles down on your Audi could qualify for better rates on cars that stay parked.
- Bundle and Save – If you can combine your homeowners and auto policy and place coverage with the same company you could save at least 10% off all policies.
- Drive Safe and Save – Insureds without accidents may save up to 50% more than their less cautious counterparts.
- Senior Citizens – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- Safety Restraint Discount – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way.
The illustration below compares Audi A8 insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving citations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, marriage, and homeowner discounts applied.
Popular auto insurance companies and their possible discounts are outlined below.
- Progressive may have discounts that include continuous coverage, good student, multi-vehicle, online signing, online quote discount, and multi-policy.
- The Hartford may include discounts for bundle, driver training, defensive driver, air bag, anti-theft, and vehicle fuel type.
- Mercury Insurance may offer discounts for location of vehicle, anti-theft, age of vehicle, type of vehicle, professional/association, and good student.
- GEICO has savings for membership and employees, multi-policy, anti-theft, anti-lock brakes, driver training, emergency military deployment, and federal employee.
- AAA discounts include anti-theft, multi-policy, AAA membership discount, good student, pay-in-full, good driver, and education and occupation.
- State Farm has discounts for defensive driving training, accident-free, multiple autos, student away at school, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
Before you buy a policy, ask every prospective company how you can save money. Depending on the company, some discounts may not apply in Raleigh. If you would like to see a list of providers that offer some of these discounts in North Carolina, follow this link.
The quickest method to compare insurance rates in your area takes advantage of the fact almost all companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as the year, make and model of vehicles, how old drivers are, how many miles driven, and if it has an anti-theft system. That information is sent automatically to multiple different insurance companies and you will get price comparisons within a short period of time.
To start a quote now, click here and enter your coverage details.
The providers in the list below can provide quotes in North Carolina. To buy cheap auto insurance in Raleigh, NC, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Coverage information
The price information shown below covers estimates of coverage prices for Audi A8 models. Learning how auto insurance policy rates are calculated is important for 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 | $314 | $650 | $254 | $16 | $76 | $1,310 | $109 |
| A8 4.2L Quattro 4-Dr Sedan | $342 | $718 | $254 | $16 | $76 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can revise prices considerably.
Deductible comparison
When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The rates shown below can help show the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $292 | $556 | $250 | $14 | $74 | $1,211 | $101 |
| A8 4.2L Quattro 4-Dr Sedan | $316 | $614 | $250 | $14 | $74 | $1,293 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $180 | $350 | $250 | $14 | $74 | $868 | $72 |
| A8 4.2L Quattro 4-Dr Sedan | $196 | $386 | $250 | $14 | $74 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in specific Raleigh garaging location which can increase or decrease price quotes considerably.
Based on the above data, using a $250 deductible costs about $30 more each month or $360 every year than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 25 months between claims, you would save money by going with a higher deductible.
Impact of violations and accidents on rates in Raleigh
The illustration below shows how traffic citations and accidents increase Audi A8 annual premium costs for each different age group. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
How much car insurance do I need?
Always remember that when buying coverage online or from an agent, there is no one size fits all plan. Each situation is unique.
These are some specific questions can help discover if your situation would benefit from an agent’s advice.
- Am I covered if my car is in a flood?
- Does my liability insurance cover pulling a trailer or camper?
- Is extra glass coverage worth it?
- Should I buy full coverage?
- If my pet gets injured in an accident are they covered?
- Do I need special endorsements for business use of my vehicle?
- Do I have ACV or replacement cost coverage?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Should I get advice from an insurance agency?
A small number of people still like to talk to a local agent and doing that can be a smart decision Good insurance agents will help you protect your assets and give you someone to call. One of the best bonuses of comparing car insurance online is the fact that drivers can get lower rates and still have a local agent.
To help locate an agent, after submitting this simple form, the coverage information is instantly submitted to companies in Raleigh that can provide free Raleigh car insurance quotes for your coverage. It makes it easy because there is no need to find an agent on your own since price quotes are sent immediately to your email address. If you wish to get a rate quote for a specific company, feel free to search and find their rate quote page and fill out their quote form.
Choosing the best company needs to be determined by more than just a cheap quote. Before buying a policy in Raleigh, get answers to these questions.
- Is there a Errors and Omissions policy in force?
- Do you need full coverage on every vehicle?
- If you are a high risk driver, do they have special markets for your coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they get paid more for recommending certain coverages?
- Are they properly licensed to sell insurance in North Carolina?
- Will the agent help in case of a claim?
- If your car is totaled, how to they determine the replacement cost?
Two types of auto insurance agents
If you want to buy car insurance from a local Raleigh insurance agency, it’s helpful to know the different agency structures to choose from. Car insurance agents in Raleigh are considered either exclusive agents or independent agents. Both types can handle car insurance, but it is a good idea to know why they differ because it may have an impact on the selection process.
Exclusive Agents
Exclusive agencies have only one company to place business with such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training in insurance sales and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents primarily because of the brand legacy instead of buying on price only.
Below is a list of exclusive agencies in Raleigh who can help you get price quotes.
- Myron Jarman – State Farm Insurance Agent
2869 Jones Franklin Rd – Raleigh, NC 27606 – (919) 859-5261 – View Map - Allstate Insurance: Jay Adkins
1033 Oberlin Rd Ste 200 – Raleigh, NC 27605 – (919) 755-1133 – View Map - Allstate Insurance: Bonnita Hargis
1620 Martin Luther King Jr Blvd #104 – Raleigh, NC 27610 – (919) 250-3606 – View Map
Independent Agents
Independent agencies are not limited to a single company and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. If premiums increase, they simply move the coverage in-house and you don’t have to do anything. If you are trying to find cheaper rates, we recommend you get some free quotes from a couple of independent agencies to have the most options to choose from. Many can place coverage with less well-known companies that may have much lower rates than larger companies.
The following are Raleigh independent insurance agencies willing to provide rate quotes.
- IGO Insurance Agency Inc.
8117 Ebenezer Church Rd – Raleigh, NC 27612 – (919) 782-1560 – View Map - Durfey-Hoover-Bowden Insurance Agency
3741 Benson Dr – Raleigh, NC 27609 – (919) 790-6415 – View Map - Clark Insurance Agency
4004 Barrett Dr #206 – Raleigh, NC 27609 – (919) 844-2995 – View Map
Persistence is the key to affordable rates
Discount Audi A8 insurance in Raleigh is available online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer rate quotes online and most of the time these smaller companies only sell through local independent agents.
In this article, we presented quite a bit of information on how to lower your Audi A8 insurance rates in Raleigh. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest Audi A8 rate quotes. Consumers may even find the best rates are with an unexpected company.
People who switch companies do it for a number of reasons such as high prices, extreme rates for teen drivers, being labeled a high risk driver or policy non-renewal. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.
Additional insurance information can be found at the links below
- Event Data Recorders FAQ (iihs.org)
- What Insurance is Cheapest for Business Use in Raleigh? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Focus in Raleigh? (FAQ)
- How Much are Auto Insurance Quotes for a Subaru Outback in Raleigh? (FAQ)
- What Auto Insurance is Cheapest for High Mileage Drivers in Raleigh? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Child Safety FAQ (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)