Looking for cheaper insurance coverage rates for your Audi A8? Finding cheaper insurance for your Audi A8 can normally be a painful process, but you can use a few tricks and make it easy.
There is a better way to find insurance coverage online and we’ll show you the proper way to quote coverages for a new or used Audi and find the best price possible from local insurance agents and online providers.
It’s a good idea to compare prices yearly because insurance coverage rates are usually higher with each renewal. Despite the fact that you may have had the best deal on A8 coverage a few years ago you can probably find a better price now. Forget all the misinformation about insurance coverage because you’re about to learn the tricks you need to know to get good coverage at a lower rate.
Insurance can be prohibitively expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but some must be manually applied in order for you to get them. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.
A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like you could get a free insurance policy, insurance companies aren’t that generous.
A few companies that may offer some of the discounts shown above may include but are not limited to:
If you are trying to find the cheapest car insurance quotes, ask every company which discounts can lower your rates. Discounts may not apply to policyholders in your state. To see a list of insurance companies who offer discounts, click this link.
Finding a lower price on 2001 Audi A8 insurance isn’t really that difficult. The only requirement is to spend a few minutes on the computer comparing price quotes from online providers. This is very easy and can be done in several different ways.
Whichever way you choose to compare rates, double check that you are using nearly identical coverages for each quote you get. If the quotes have different values for each quote you will not be able to make a fair rate comparison.
When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.
For example, these questions can aid in determining if your insurance needs would benefit from professional advice.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.
Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Liability auto insurance – Liability insurance will cover damage or injury you incur to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things such as emergency aid, bail bonds and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.
UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Audi A8.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for surgery, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage covers damage to your A8 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.
Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like a broken windshield, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
In this article, we covered a lot of ways to shop for 2001 Audi A8 insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper car insurance. You may be surprised to find that the best rates are with a small mutual company.
Cheap 2001 Audi A8 insurance can be sourced online and from local agencies, so you need to shop car insurance with both so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and many times these small insurance companies only sell coverage through local independent agencies.
When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best cost while still protecting your assets.
Proud to be from Biloxi, MS. Compared rates from a lot of places. Saved right around $20 a month. GEICO was the cheapest for me.
Cheaper not always better. I’m from Kailua, HI. Can’t remember who all I quoted but I ended up saving about $20 each month. Only insure liability on my A8.
If you have a clean record and live in the vicinity of Columbia, SC, check out State Farm. They seem to be cheaper. I get lower rates because of my clean driving record.
Too expensive. I ride a bike.
Good detail in your article. Got a quote with GMAC for my A8 and cut my rates about $110 a year. I used their website to get prices. Next renewal I’ll just do liability.
Cheaper car insurance is a myth. Got a quote with Hartford for my A8 and saved about $60 a year. Insured with Nationwide before. Just go online and compare their rates.
Like your site, BTW. I live in a small town just outside of Warren, MI. Got quotes with Hartford, Auto-Owners, MetLife, and a couple others for my 2001 Audi A8 and saved about $80 a year. I’m a pretty low risk driver. It’s still not cheap enough. It’s too old for full coverage.
21st Century is decent in Little Rock, AR.
Will State Farm do a SR22 in Indiana?
Do I have to have car insurance in Arizona?
Here’s my quote info. From northwest of Denver, Colorado. Not sure of all the companies but I ended up saving about $30 each month. Was with Esurance.
Anyone compare Progressive and Allstate rates in Aurora, Colorado?
I got quite a few price quotes for a 2001 Audi A8 in Virginia Beach, VA. Ended up at darn near $90 every six months with Auto-Owners. I just carry liability insurance.
Any companies in Jersey City, NJ that will insure a DUI?
Does 21st Century insure after a DUI?
Thought I’d throw in my experience. I’m in the suburbs of Lewiston, Maine. Don’t remember every company but I ended up saving about $20 each month. Was with Nationwide. I have a couple other vehicles on the policy.