Cheaper 2013 Audi S8 Car Insurance Quotes in 2024

Overpriced insurance can eat up your funds and make it tough to pay other bills. Consumers have so many insurers to purchase coverage from, and although it’s a good thing to have a choice, more choices can make it harder to compare company pricing.

Smart consumers take time to get comparison quotes before your policy renews because rates go up and down regularly. Even if you think you had the best premium rates for S8 insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding insurance online, but in this article, you’re going to get some of the best techniques to slash your insurance rates.

The purpose of this post is to tell you the best way to quote coverages and some tricks to saving. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Vehicle owners just need to know the most efficient way to find the lowest price online.

How to buy car insurance online

Cutting your car insurance rates can be surprisingly simple. Just invest a little time to compare free insurance quotes to find out which insurance company has inexpensive insurance quotes. This can easily be done in a couple of different ways.

The most efficient way to get quotes for comparison would be an industry-wide quote request form. This method keeps you from doing separate quote forms to each individual car insurance company. One simple form will return quotes from all major companies.

A more difficult way to get quotes online is going to each company’s website and get a separate price quote. For examples sake, let’s assume you want to compare GEICO, State Farm and Liberty Mutual. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method.

Whichever way you choose to compare rates, do your best to use exactly the same coverage data for each price quote. If your comparisons have mixed coverages you will not be able to make a fair rate comparison.

Don’t miss these discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically prior to getting the savings.

• E-sign – Some of the larger companies may give you up to $50 for buying your policy on their website.
• Homeowners Pay Less – Simply owning a home can save you money because it demonstrates responsibility.
• Waiver for an Accident – Not really a discount, but companies like Progressive, State Farm and GEICO allow you one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
• Cautious Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for S8 insurance than drivers with accident claims.
• Defensive Driver Discounts – Passing a driver safety course may get you a small discount and easily recoup the cost of the course.
• Professional Memberships – Belonging to a qualifying organization is a simple method to lower premiums on your bill.
• Save with a New Car – Insuring a vehicle that is new can save you some money because new model year vehicles have to meet stringent safety requirements.
• Switch and Save Discount – A few larger companies give discounts for switching policies before your current expiration date. You can save around 10% with this discount.
• Anti-lock Brakes – Cars and trucks equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.

A quick disclaimer, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

To choose car insurance companies who offer online car insurance quotes, enter your zip code here.

Special considerations

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• When should my teen driver be added to my policy?
• If I drive on a suspended license am I covered?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I hit my neighbor’s mailbox?
• How can I force my company to pay a claim?
• If my 2013 Audi S8 is totaled, can I afford another vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Learn how to lower your insurance costs

Many things are part of the equation when you get a price on insurance. Some are obvious such as traffic violations, but others are less obvious such as your credit history or your financial responsibility.

The list below includes a few of the things utilized by car insurance companies to help set your rates.

• Why do you need liability? – Your policy’s liability coverage kicks in if you are determined to be liable for personal injury or accident damage. Your liability coverage provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Avoid unnecessary add-on coverages – There are quite a few additional coverages that you can buy on your insurance policy. Coverage for things like rental car reimbursement, accidental death, and Farm Bureau memberships may be costing you every month. You may think they are a good idea at first, but if you have no use for them remove them from your policy.
• How your age affects rates – Teen drivers are statistically shown to be inattentive when at the wheel of a vehicle so they pay higher insurance rates. If you’ve ever had to add a teen driver onto a policy can break the bank. Older people tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
• Bundle policies and save money – Most insurance companies will award a discount to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to check prices from other companies to help guarantee you have the best rates.
• Location can influence price – Living in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. City drivers have much more traffic and much longer commute distances. Lower population translates into fewer accidents as well as less vandalism and auto theft.
• Discounts for alarms and GPS tracking – Buying a car with anti-theft technology or alarm system can get you a discount on your insurance. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
• Your credit history is important – Your credit history is a large factor in determining what you pay. If your credit rating can use some improvement, you could be paying less to insure your 2013 Audi S8 if you clean up your credit. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.
• You might pay more if you are single – Your spouse can get you a discount when buying insurance. Having a significant other generally demonstrates drivers are more financially stable it has been statistically shown that married couples file fewer claims.

Car insurance policy specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Collision coverages – This will pay to fix damage to your S8 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive car insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, hail damage and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, chiropractic care, hospital visits, funeral costs and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, pain and suffering, bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Audi S8.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liability limits.

What is YOUR best insurance company?

Discount 2013 Audi S8 insurance can be purchased from both online companies as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these small, regional companies work with independent agencies.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to discover later that it was a big mistake. Your goal should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.