2021 Audi S8 Insurance Quotes in 2024 – 6 Savings Tips

Searching for cheaper insurance rates for your Audi S8? Shopping for the cheapest auto insurance can be challenging if you are a beginner to online insurance quotes. But keep reading because there is an easy way to compare rates.

Buy insurance coverage online

Most companies allow you to get prices from their websites. Getting prices online is pretty painless as you just enter your personal and coverage information as requested by the quote form. After you submit the form their rating system sends out for your driving and credit reports and provides a quote based on the information you submitted.

Online quotes makes it easy to compare insurance prices but the process of having to visit several different sites and enter the same data into a form gets old quite quickly. But it’s also necessary to get many rate quotes in order to find better prices.

There is a better way to compare rates

The quickest way to find cheaper rates makes use of a single form to return rates from several different companies. It saves time, requires much less work on your part, and makes price shopping online a little more enjoyable. After sending your information, it is rated and you can choose any or none of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It only takes a few minutes and may result in a nice savings.

To quickly find out what other companies charge, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. Doing this assures you will be getting a fair comparison for similar insurance coverage.

Save money by taking advantage of these six discounts

Some companies don’t always advertise every discount they offer in an easy-to-find place, so here is a list a few of the more well known and also the lesser-known discounts you could be receiving when you buy auto insurance online.

• Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
• Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up on the web.
• Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote auto insurance on S8 insurance with a few insurance companies.
• Safe Driver Discount – Accident-free drivers can save up to 40% or more on their auto insurance quote on S8 insurance than drivers with accidents.
• Discount for Switching Early – A few insurance companies allow discounts for renewing your policy before your current coverage expires. The savings is around 10%.

Just know that some credits don’t apply to the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies with the best discounts, enter your zip code here.

How much insurance do I need?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine if your situation would benefit from professional advice.

• Where can I get insurance after a DUI in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is UM/UIM insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Is my teen driver covered when they drive my company car?
• Am I covered if I wreck a rental car?
• When can my company non-renew my policy?
• Is my state a no-fault state?
• Is a blown tire covered by insurance?
• Does insurance cover tools stolen from my truck?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverage breakdown

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi S8.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, funeral costs, pain medications, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays for damage to your S8 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for liability

This can cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Save your hard earned cash

We just covered many ideas to compare 2021 Audi S8 insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost auto insurance. Consumers could even find that the biggest savings come from the least-expected company.

When getting auto insurance quotes online, don’t be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

The cheapest 2021 Audi S8 insurance is attainable both online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some companies may not offer internet price quotes and these small, regional companies provide coverage only through independent agencies.