Unfortunately, almost 70% of drivers have bought insurance from the same company for more than four years, and 38% of customers have never taken the time to shop around. Ohio drivers could save about 55% each year, but they underestimate how much money they would save if they replace their high priced policy.
It takes a few minutes, but the best way to quote cheaper auto insurance rates is to start comparing rates regularly from providers in Cleveland. Drivers can shop around by following these guidelines.
- First, get an understanding of how car insurance works and the things you can change to lower rates. Many risk factors that cause high rates like at-fault accidents, speeding tickets, and a bad credit score can be improved by making small lifestyle or driving habit changes. Continue reading for more details to prevent high rates and find additional discounts.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from many different companies. View companies
- Third, compare the new rate quotes to your existing coverage to see if cheaper A8 coverage is available. If you can save money and switch companies, make sure there is no lapse in coverage.
A good tip to remember is to try to use identical coverage information on every quote and and to get prices from as many companies as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.
Get cheaper Audi A8 insurance in Cleveland with discounts
Insurance can be prohibitively expensive, but you may be missing some discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be asked for prior to receiving the credit.
- Low Mileage – Low annual miles could be rewarded with cheaper prices.
- Passive Restraints – Factory options such as air bags may qualify for discounts of more than 20%.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance rate if you buy life insurance.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
- Discounts for Multiple Vehicles – Buying a policy with several vehicles on one policy can get a discount for every vehicle.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
- Data Collection Discounts – Insureds that choose to allow driving data submission to monitor vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.
- Early Signing – Some companies reward drivers for switching to them early. This can save 10% or more.
- Anti-theft System – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Service Members Pay Less – Having a family member in the military could qualify you for better premium rates.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.
The diagram below shows the difference between Audi A8 auto insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims, a clean driving record, Ohio 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 claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.
The best insurance companies and the discounts they provide include:
- Travelers has discounts for home ownership, multi-policy, save driver, hybrid/electric vehicle, and early quote.
- 21st Century offers discounts for theft prevention, teen driver, student driver, driver training, and homeowners.
- State Farm may have discounts that include defensive driving training, accident-free, driver’s education, student away at school, and multiple autos.
- GEICO includes discounts for emergency military deployment, daytime running lights, driver training, military active duty, seat belt use, anti-lock brakes, and federal employee.
- SAFECO offers premium reductions for accident prevention training, safe driver, homeowner, anti-theft, and drive less.
- AAA may include discounts for good driver, multi-car, good student, AAA membership discount, and multi-policy.
It’s a good idea to ask every insurance company how you can save money. Discounts may not be offered everywhere. For a list of insurers that have a full spectrum of discounts in Ohio, follow this link.
Cheapest Audi A8 insurance quotes in Cleveland, Ohio
Lowering your insurance rates is actually quite simple. You just need to take the time comparing rate quotes to find the company with low cost Cleveland auto insurance quotes.
The companies shown below can provide price comparisons in Cleveland, OH. If you want to find cheap car insurance in Ohio, we recommend you click on several of them to get the cheapest price.
Rates and detailed analysis
The coverage table displayed next covers detailed analysis of prices for Audi A8 models. Being more informed about how insurance policy premiums are calculated can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $182 | $392 | $306 | $18 | $92 | $990 | $83 |
| A8 4.2L Quattro 4-Dr Sedan | $198 | $432 | $306 | $18 | $92 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in garaging location in Cleveland which can increase or decrease coverage prices substantially.
How high should deductibles be?
When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The premium rates below sum up the rate fluctuation of buying low and high physical damage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $296 | $604 | $226 | $14 | $68 | $1,233 | $103 |
| A8 4.2L Quattro 4-Dr Sedan | $320 | $668 | $226 | $14 | $68 | $1,321 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $216 | $408 | $226 | $14 | $68 | $932 | $78 |
| A8 4.2L Quattro 4-Dr Sedan | $234 | $450 | $226 | $14 | $68 | $992 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify price quotes significantly.
We can estimate from the data above that using a $100 deductible will cost you approximately $26 more each month or $312 every year than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 15 months between claim filings, you would save money if you choose the higher deductible.
Safe drivers Cleveland pay cheaper rates
The information below illustrates how traffic citations and at-fault claims raise Audi A8 insurance premiums for different categories of driver ages. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Rate difference between full and liability-only coverage
The information below compares Audi A8 annual premium costs when comparing full coverage to liability only. The rates are based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no definitive rule that is best for determining when to drop comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Audi A8 book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after you pay the deductible. If it’s costing you more than $200 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry 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 in an accident, you should not remove full coverage.
Insurance agents can help
When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that
These are some specific questions can aid in determining if your insurance needs might need professional guidance.
- When should I not file a claim?
- What is the difference between personal and commercial auto insurance policies?
- Should I buy more coverage than the required Ohio minimum liability coverage?
- Am I missing any policy discounts?
- Will my rates increase for filing one claim?
- Do I get a pro-rated refund if I cancel my policy early?
If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
Local Cleveland insurance agencies
Certain consumers still prefer to sit down with an agent and we recommend doing that Professional agents can answer important questions and help in the event of a claim. A nice benefit of getting free rate quotes online is that you can obtain lower prices and also buy local.
By using this quick form, the quote information gets sent to local insurance agents in Cleveland that can provide free Cleveland auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around because quoted prices will be sent straight to your inbox. If you want to quote rates for a specific company, you just need to search and find their rate quote page and give them your coverage information.
Selecting an insurer requires you to look at more than just the price. Get answers to these questions too.
- How long has their agency been open in Cleveland?
- Does the agency provide any after hours assistance?
- Does the company allow you to choose your own collision repair facility?
- Do the companies they represent have a solid financial rating?
- Will they give you a referral list?
Best auto insurance agent in Cleveland
If you are wanting to find a good Cleveland insurance agent, it helps to know the two different types of agents and how they are slightly different. Agents in Cleveland are categorized either independent agents or exclusive agents. Either can sell and service insurance coverage, but we need to point out why they differ because it can factor into which type of agent you select.
Exclusive Agents
These type of agents write business for a single company like Allstate and State Farm. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are very knowledgeable on the products they sell which helps them sell on service rather than price. Some consumers prefer to choose to use a exclusive agent partially due to loyalty to the company instead of buying on price only.
The following is a short list of exclusive insurance agencies in Cleveland that can give you comparison quotes.
- Robert Jones – State Farm Insurance Agent
12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map - Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map - Garrett C Estes – State Farm Insurance Agent
4219 W 210th St – Fairview Park, OH 44126 – (440) 331-3111 – View Map
Independent Insurance Agencies
These type of agents are not limited to a single company and that gives them the ability to insure with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you. When comparison shopping, we recommend you check rates from a few independent agents to maximize your price options. A lot of them also have access to smaller mutual companies that can offer cheaper rates than bigger companies.
Below are Cleveland independent insurance agents that can give you price quote information.
- Independent Insurance Agency of Ohio
2310 Superior Ave #215 – Cleveland, OH 44114 – (216) 472-8000 – View Map - AandA Action Auto Insurance Agency
3421 Prospect Ave E – Cleveland, OH 44115 – (216) 361-8988 – View Map - Phil Pavarini Insurance Agent * InsureCLE.com
2012 W 25th St #501 – Cleveland, OH 44113 – (216) 374-4500 – View Map
More quotes mean more insurance savings
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In too many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.
Some insurance companies may not have online price quotes and most of the time these regional carriers sell through independent agents. The cheapest Audi A8 insurance in Cleveland can be found from both online companies as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.
Additional insurance information is available on the following sites:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for Single Moms in Cleveland? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Cleveland? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)