2017 Audi S8 Car Insurance Rates in 2024 – 8 Savings Tips

Are you irritated from scraping the payment together to buy insurance? You are in the same boat as the majority of other consumers. Online insurance companies like State Farm, Allstate, GEICO and Progressive persistently shower you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

If you have a policy now or are just looking to switch companies, you can use these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need to know the best way to compare price quotes over the internet.

Buy insurance coverage online

Performing a rate comparison can be exhausting if you don’t understand the easiest way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the internet to quickly compare rates.

Many popular insurance companies participate in a marketplace that enables customers to submit their information once, and at least one company returns a competitive quote based on that information. This system prevents you from having to do repetitive form submissions to every company.

To participate in this free quote system, enter your zip code here.

The single downside to doing it this way is you cannot specify the companies you want to price. If you would rather choose individual companies to compare prices, we have a page of insurance coverage companies in your area. Click to enter zip code for insurance companies.

Which method you use is up to you, but make sure you use the same coverages for every quote you compare. If you compare different liability limits it’s impossible to determine the lowest rate for your Audi S8.

Affordable insurance quotes with discounts

Some providers do not advertise all their discounts in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find ways to save on insurance. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

• Sign Online – Certain insurance companies may give you up to $50 for signing up over the internet.
• Auto/Life Discount – Some insurance companies give lower premium rates if you buy some life insurance in addition to your auto policy.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could earn a discount of up to 20% off your total premium.
• Accident Waiver – This isn’t a discount exactly, but certain companies will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
• Good Grades Discount – Being a good student can save 20 to 25%. This discount can apply up until you turn 25.
• Federal Employees – Active or former government employment could cut as much as 10% off for S8 coverage depending on your company.
• Discount for New Cars – Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.
• Telematics Data Discounts – Insureds who allow companies to study where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A partial list of companies who might offer most of the discounts above include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

When comparing rates, check with every insurance company how you can save money. A few discounts may not apply in every state. If you would like to view insurance companies that have a full spectrum of discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you could use an agent’s help.

• Is my nanny covered when driving my vehicle?
• How much can I save by bundling my policies?
• Is my custom paint covered by insurance?
• Is my 2017 Audi S8 covered for flood damage?
• When does my teenage driver need to be added to my policy?
• Should I bundle my homeowners policy with my auto?
• Is a blown tire covered by insurance?
• Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, X-ray expenses, EMT expenses and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your S8 caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, driving through your garage door, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2017 Audi S8.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, hitting a deer, hitting a bird, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability insurance provides protection from damage or injury you incur to people or other property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles, bail bonds, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Save your cold hard cash

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

You just learned a lot of tips how to lower your 2017 Audi S8 insurance rates. The key thing to remember is the more you quote car insurance, the better your comparison will be. Consumers could even find that the best rates are with some of the lesser-known companies. They often have lower car insurance rates on specific markets compared to the large companies like State Farm or Progressive.