2018 Audi A8 Car Insurance Quotes in 2024 – 8 Tips to Save

Searching for cheaper auto insurance rates for your Audi A8? If you are new to online auto insurance, chances are good that you are bewildered by the large number insurance agents and companies that all say they have the best rates.

If you are paying for car insurance now, you will be able to cut costs considerably using this information. Shopping for affordable protection is simple if you know the tricks. But car owners must comprehend how big insurance companies price insurance differently and take advantage of how the system works.

The quickest method to compare insurance rates in your area takes advantage of the fact most of the bigger providers participate in a system to give you rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as if it has an anti-theft system, how your vehicles are used, how much coverage you want, and driver ages. Your information is instantly sent to multiple different insurance companies and you get price estimates instantly to find the best rate.

These eight discounts can lower your insurance quotes

Car insurance companies don’t always list the complete list of policy discounts very clearly, so the list below contains both the well known and also the lesser-known credits available to bring down your rates.

• Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• Lower Rates for Military – Being deployed in the military can result in better premium rates.
• Own a Home – Just being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
• Discount for Life Insurance – Select companies reward you with better premium rates if you take out some life insurance too.
• New Vehicle Savings – Buying insurance on a new vehicle can get you a discount since new model year vehicles are generally safer.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Pay Early and Save – By making one initial payment rather than paying in monthly installments you may reduce your total bill.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

Companies that have some of the above discounts include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you need lower rates, check with all companies you are considering which discounts they offer. Discounts might not be available to policyholders in your area. To find providers who offer discounts, enter your zip code here.

Different people need different insurance coverage coverages

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

• Am I covered when driving a rental car?
• Do I need added coverage for expensive stereo equipment?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need rental car coverage?
• Do I benefit by insuring my home with the same company?
• Can I still get insurance after a DUI?
• Should I have a commercial auto policy?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

But they said I’d save $481 a year!

State Farm, GEICO and Progressive endlessly run ads on television and other media. They all seem to have a common claim about how much you will save after switching your insurance coverage policy to them. That’s great but how can every company cost less than your current company? Just pay attention to how they say it.

Companies give the cheapest rates for the type of insured that will generate a profit. For example, a desirable risk might be between the ages of 30 and 45, has a clean driving record, and drives a safe vehicle. A prospective insured who matches that profile receives the best rates as well as save when switching.

Consumers who do not fit the “perfect” profile may be required to pay higher premiums which translates to the prospect going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can claim big savings. Different companies use different criteria so you absolutely need to compare price quotes frequently. Because you never know the company that will fit you best based on your risk profile.

Information about specific coverages

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage pays for damage to your A8 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, loss of income, emergency aid and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Audi A8.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for nursing services, chiropractic care, funeral costs and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, hail damage, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more, save more

Budget-friendly auto insurance is possible from both online companies as well as from insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies do not provide online quoting and many times these smaller providers provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies can be easier than you think.