Best Insurance for an Audi A8 in Honolulu

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It's a known fact that auto insurance companies don't want policyholders to compare prices from other companies. Drivers who shop around for cheaper prices are likely to move their business because there is a great chance of finding coverage at a more affordable price. A recent auto insurance study revealed that drivers who faithfully checked for cheaper rates saved over $70 a month compared to those who didn't regularly shop around.

If finding budget-friendly rates on car insurance is why you're reading this, then having an understanding of how to find companies and compare coverages can help make the process easier and more efficient.

Insurance quote for Audi A8 in HonoluluTruthfully, the best way to get discount Audi A8 insurance in Honolulu is to start comparing prices regularly from insurance carriers that insure vehicles in Hawaii.

  • First, try to comprehend how insurance works and the factors you can control to prevent high rates. Many rating criteria that drive up the price such as traffic violations and an unacceptable credit score can be controlled by paying attention to minor details.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can give you price quotes from multiple companies. Click to view companies
  • Third, compare the new rate quotes to your current policy to see if cheaper A8 coverage is available. If you find better rates and make a switch, make sure there is no coverage gap between policies.

The most important part of shopping around is that you'll want to make sure you compare identical coverages on every quote and and to get prices from as many companies as possible. This helps ensure a level playing field and a complete rate analysis.

Most of the larger companies make it easy to get prices for coverage on the web. Doing online price comparisons for Audi A8 insurance in Honolulu is pretty painless as you just type in your coverage information into the quote form. After you submit the form their system makes automated requests for credit information and your driving record and quotes a price based on the information you submitted.

Being able to quote online for Audi A8 insurance in Honolulu helps simplify price comparisons, and it is important to compare as many rates as possible if you want to find affordable prices.

To use this form to compare rates, compare quotes from the companies shown below. If you have your current policy handy, we recommend you input your coverages exactly as shown on your declarations page. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

The companies in the list below have been selected to offer free rate quotes in Hawaii. If multiple providers are shown, we recommend you visit two to three different companies to find the cheapest car insurance rates.

Audi A8 insurance charts and tables

The rate table shown next covers a range of coverage costs for Audi A8 models. Having a better idea how premiums are figured can help drivers make informed purchases.

Audi A8 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $304 $678 $320 $18 $96 $1,416 $118
A8 4.2L Quattro 4-Dr Sedan $330 $750 $320 $18 $96 $1,514 $126
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific garaging location which can lower or raise prices substantially.

Analysis of deductible levels

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below may aid in understanding the price difference of buying low and high comp and collision deductibles. The first data set uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Audi A8 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $346 $704 $264 $16 $80 $1,435 $120
A8 4.2L Quattro 4-Dr Sedan $374 $778 $264 $16 $80 $1,537 $128
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Audi A8 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A8 4.2 Quattro 4-Dr Sedan $252 $476 $264 $16 $80 $1,088 $91
A8 4.2L Quattro 4-Dr Sedan $274 $526 $264 $16 $80 $1,160 $97
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific Honolulu garaging location which can influence rates considerably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $30 more each month or $360 for a full year averaged for all A8 models than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 13 months between claims, you would probably save some money if you elect the higher deductible.

Male drivers versus female drivers

The information below compares Audi A8 car insurance rates for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Audi A8 liability rates compared to full coverage

The diagram below illustrates the comparison of Audi A8 annual premium costs with full coverage compared to only the Hawaii minimum liability coverage. The costs are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied.

When to buy liability coverage only

There isn't a steadfast formula that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's assume your Audi A8 replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If it's costing you more than $200 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

It may be expensive, but it's not optional

Even though Honolulu A8 insurance rates can get expensive, insurance is required in Hawaii but it also protects you in many ways.

  • Almost all states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance if you want to drive legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Audi A8 with a loan, it's guaranteed your bank will make it mandatory that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Audi at a much higher premium rate and require you to pay the higher premium.
  • Car insurance protects not only your Audi but also your assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. But the average driver in Hawaii is currently overpaying as much as $830 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.

Car insurance coverages for an Audi A8

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Liability car insurance

Liability insurance protects you from damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 20/40/10 which means $20,000 in coverage for each person's injuries, $40,000 for the entire accident, and $10,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as funeral expenses, loss of income, attorney fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. Hawaii state minimum liability requirements are 20/40/10 but you should think about purchasing higher limits.

The next chart demonstrates why buying minimum limits may not be adequate.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for nursing services, rehabilitation expenses, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Audi A8.

Due to the fact that many Hawaii drivers have only the minimum liability required by law (20/40/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy's liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, rock chips in glass, hitting a deer and damage from flooding. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your A8 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your A8 to get cheaper collision coverage.

Best car insurance company in Honolulu

Choosing the right auto insurance provider can be difficult considering how many choices you have in Honolulu. The rank data below can help you decide which car insurance companies to look at comparing rates with.

Top 10 Honolulu Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. State Farm - A++
  3. GEICO - A++
  4. Esurance - A+
  5. Nationwide - A+
  6. Allstate - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. AAA Insurance - A
  10. Liberty Mutual - A

Top 10 Honolulu Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. Farmers Insurance
  10. Safeco