2002 Audi A8 Insurance Quotes – 5 Tips for Best Rates

Looking for the cheapest insurance rates for your Audi A8? Are you tired of not being able to afford each month for insurance? You’re in the same situation as many other consumers.

Insurance companies such as Geico and Progressive constantly bombard you with advertising and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to get comparison quotes at least once a year because rates tend to go up over time. If you had the best rate on A8 coverage a couple years back you may be paying too much now. Block out anything you think you know about insurance because it’s time to teach you the tricks you need to know to save on insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Buying car insurance is easy if you know what you’re doing. But car owners must understand the methods companies use to market on the web because it can help you find the best coverage.

Find hidden discounts to get affordable car insurance rates

The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. A few discounts will be applied when you quote, but once in a while a discount must be asked about before being credited.

  • Save with a New Car – Putting insurance coverage on a new car can save you some money since newer vehicles have better safety ratings.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in school.
  • Senior Citizens – Seniors can possibly qualify for a small decrease in premiums on A8 coverage.
  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
  • Paper-free Discount – Many car insurance companies give back up to $50 just for signing your application on the web.

We need to note that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

Large car insurance companies and their offered discounts are shown below.

  • State Farm offers discounts including defensive driving training, Drive Safe & Save, safe vehicle, accident-free, and multiple autos.
  • Farmers Insurance has discounts for business and professional, switch companies, good student, electronic funds transfer, mature driver, alternative fuel, and pay in full.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, continuous coverage, online signing, multi-vehicle, good student, and multi-policy.
  • Geico offers premium reductions for federal employee, anti-theft, driver training, membership and employees, anti-lock brakes, emergency military deployment, and seat belt use.
  • Auto-Owners Insurance may have discounts that include safe driver, company car, safe vehicle, multi-policy, student away at school, paperless, and anti-theft.
  • The Hartford includes discounts for air bag, driver training, anti-theft, vehicle fuel type, good student, and bundle.
  • Farm Bureau discounts include driver training, renewal discount, safe driver, multi-policy, youthful driver, and multi-vehicle.
  • USAA has savings for annual mileage, good student, defensive driver, safe driver, multi-vehicle, and driver training.

Double check with every prospective company to apply every possible discount. All car insurance discounts might not be offered in every state. If you would like to see a list of providers who offer cheap car insurance quotes, click here to view.

Do car insurance companies bend the truth?

Car insurance providers like Allstate, Geico and Progressive consistently run ads on TV and radio. They all seem to convey the message about savings if you change your car insurance policy to them. But how can every company make the same claim? This is how they do it.

Different companies have specific guidelines for the type of driver they prefer to insure. One example of this type of driver may need to be between 25 and 40, has few claims, and has a high credit rating. A customer that hits that “sweet spot” will get the preferred rates and will most likely save if they switch.

Insureds who are not a match for this stringent profile will probably be forced to pay higher premium rates and ends up with the customer buying from someone else. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can confidently make claims that they all have the best prices. This illustrates why you really should compare price quotes frequently. Because you never know which car insurance company will fit your personal profile best.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Do I need more liability coverage?
  • Am I covered when driving in Canada or Mexico?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does having multiple vehicles earn me a discount?
  • Is my trailer covered?
  • At what point should I drop full coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving a rental car?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, medical services, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2002 Audi A8.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

This coverage covers damage to your A8 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, colliding with a tree, rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hitting a bird, theft, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A little work can save a LOT of money

Cheaper car insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer rates over the internet and these regional insurance providers only sell through independent agents.

We just presented quite a bit of information on how to save on 2002 Audi A8 insurance. The key concept to understand is the more times you quote, the higher your chance of finding cheap auto insurance. Drivers may discover the most savings is with some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

Additional information can be read at the links below

Comments About 2002 Audi A8 Insurance

  1. Lacie Bird

    I live just outside Baltimore, Maryland. Quoted prices from GEICO, Farmers, and The General for my Audi and saved just over $80 a year.

  2. Anissa Velasquez

    If you have a good history and live near Birmingham, AL, check out State Farm. They seem to be cheaper. I only have liability coverage on it.

  3. Phoebe Landry

    Allstate was cheapest for my 2002 Audi A8 in Kailua, HI.

  4. Tonja Randall

    I went with Progressive at renewal. Best rates in Columbia, South Carolina. Left AIG Insurance to switch. Have an at-fault accident tho. They were helpful in switching over. I think I’ll get rid of full coverage next time.

  5. Abel Black

    Got a quote with USAA for my A8 and saved around $100 a year. Left Auto-Owners to switch. I have a teen driver too.

  6. Deon Barlow

    Cheap is not always the best policy. From a town just southwest of Boston, Massachusetts. Got car insurance quotes from GEICO, AIG Insurance, and some I forget for my A8 and I’m now saving $13 a month. Insured with Nationwide before. I don’t insure for physical damage though.

  7. Myrta Mack

    Progressive was cheapest for my 2002 Audi A8 in Bismarck, ND.

  8. Fe Robertson

    I got decent rates for a 2002 Audi A8 in Green Bay, WI. Ended up at about $90 every six months with AAA. Not sure if rates are cheaper online or through an agent.

  9. Janel Baker

    Got a quote with Safeco for my 2002 Audi A8 and saved around $110 a year. Left GEICO to switch. I got prices on the web. Anyone else drop full coverage?

  10. Cruz Cantu

    I got decent rates for a 2002 Audi A8 in Columbus, Ohio. Ended up at roughly $90 every six months with AAA. Left American Family to switch. I don’t have comp or collision coverage.

  11. Daniela Glenn

    Thought I’d throw in my experience. Went with Western Auto Insurance for my Audi and saved around $90 a year. Thankfully I’m not a high risk driver. I dropped full coverage awhile back.

  12. Rosana Richardson

    Will 21st Century raise rates after an accident?

  13. Rafaela Stone

    Lifelong resident of Tampa, FL. Got free quotes online for a 2002 Audi A8. Ended up at about $90 savings annually. Went with State Farm. Insured with Progressive before. Even increased coverage a bit. It’s easy to compare rates online now.

  14. Cherryl Mccoy

    Does Progressive settle claims fairly?

  15. Latashia Baird

    Does Massachusetts require liability coverage?

  16. Joya Carson

    Great site. From a town just southwest of Frederick, MD. I quoted with 21st Century, Amica, and some I forget for my Audi and saved just over $70 a year. Insured with MetLife before. I get lower rates because of my clean driving record. I recommend comparing lots of rates.

  17. Lavinia Guzman

    Is a custom audio system covered by insurance?

  18. Lisandra Gonzales

    Does Progressive do SR22s in Rhode Island?

  19. Enedina Bailey

    Any Progressive or Encompass customers near Biloxi, MS?