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.
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.
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.
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.
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.
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.
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.
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.
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
I live just outside Baltimore, Maryland. Quoted prices from GEICO, Farmers, and The General for my Audi and saved just over $80 a year.
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.
Allstate was cheapest for my 2002 Audi A8 in Kailua, HI.
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.
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.
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.
Progressive was cheapest for my 2002 Audi A8 in Bismarck, ND.
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.
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?
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.
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.
Will 21st Century raise rates after an accident?
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.
Does Progressive settle claims fairly?
Does Massachusetts require liability coverage?
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.
Is a custom audio system covered by insurance?
Does Progressive do SR22s in Rhode Island?
Any Progressive or Encompass customers near Biloxi, MS?