Buyers have options when searching for the lowest priced Audi A8 insurance. They can either spend hours contacting agents to compare prices or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for a new or used Audi and get the lowest price.
Consumers should take time to shop coverage around at least once a year because insurance coverage prices trend upward over time. Even if you got the lowest rates for A8 coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.
Auto insurance companies don’t list every possible discount in a way that’s easy to find, so the below list has a few of the more well known as well as the least known discounts that you can inquire about if you buy car insurance online.
It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.
To locate insurers with discount rates, click here to view.
When choosing the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.
These are some specific questions might point out whether or not you will benefit from professional help.
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.
Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, hitting a deer, hitting a bird and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Audi A8.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This coverage pays for damage to your A8 resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for expenses for nursing services, doctor visits, pain medications and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
This protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against claims like loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
People who switch companies do it for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver and even lack of trust in their agent. No matter why you want to switch, switching companies is not as difficult as it may seem.
We just showed you quite a bit of information on how to save on 1999 Audi A8 insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the best premium rates are with a company that doesn’t do a lot of advertising.
Some companies do not offer online quoting and many times these smaller providers sell through local independent agents. Budget-conscious 1999 Audi A8 insurance can be purchased on the web and also from your neighborhood agents, so you need to compare both to get a complete price analysis.
Additional car insurance information can be found on the following sites:
Here’s my info. I live north of Owensboro, Kentucky. Got quotes with Western Auto Insurance, American Family, The General, and Mercury for my Audi and am saving around $70 a year. :P
Live in the southern part of Seattle, WA. Quoted with American Family, MetLife, and a few others for my 1999 Audi A8 and I’m now saving $10 a month. I used their online quote form to compare rates.
Will Allstate be cheaper if I raise deductibles?
I compared a lot of rate quotes for a 1999 Audi A8 in Louisville, KY. Ended up at darn near $90 every six months with Amica. Was with Mercury. I’m a pretty low risk driver. I’m thinking about dropping full coverage though.
I live just outside Tampa, FL. Quoted rates from Western Auto Insurance, Amica, Liberty Mutual, and Safeco for my A8 and cut my rates about $70 a year.
Does Allstate do SR22s in Pennsylvania?
Good site, thanks. Lifelong resident of Aurora, Illinois. Quoted rates from State Farm, Amica, Eastwood, and Hartford for my A8 and saved around $90 a year. Was with USAA. I have several vehicles insured with them. You can get a rate quote online. I think I’ll get rid of full coverage next time.
Not sure what I should be paying. I live west of Grand Forks, North Dakota. I got free quotes with Amica, Nationwide, and USAA for my A8 and I’m now saving $22 a month. Insured with Hartford before. Hopefully won’t need it. Get lots of quotes to find the best rate. Anyone else drop full coverage?
Does South Dakota have minimum liability requirements?
Enjoyed the article. Quoted with Eastwood for my Audi and saved about $70 a year. Was with Farmers. Moved home policy as well.