Trying to find cheaper insurance coverage rates for your Audi A8? If you are new to online insurance coverage, chances are good that you are baffled by the sheer number of insurance coverage companies offering insurance.
It’s smart to check insurance coverage prices as often as possible since insurance prices are constantly changing. Just because you found the lowest price on A8 coverage at your last renewal there may be better deals available now. There is a lot of bad advice regarding insurance coverage online but in a few minutes you can learn some great ways to lower your insurance coverage bill.
If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. This information will familiarize you with the best way to quote coverages and some tricks to saving. Nevertheless, car owners need to have an understanding of how the larger insurance companies price insurance differently and take advantage of how the system works.
There are several ways to compare insurance prices but some are less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the internet for quick rates.
The majority of car insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quote forms to every company.
To submit your quote information now, click to open in new window.
One minor caviat to doing it this way is you are unable to specify the providers you want pricing from. So if you want to choose specific insurance companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to view list.
You can choose any of those ways to find more affodable coverage, but do your best to enter nearly identical deductibles and coverage limits for each price quote. If each company quotes different limits and deductibles on each one it’s impossible to make a fair comparison for your Audi A8. Just slight variations in insurance coverages can result in a big premium difference. Just remember that comparing more quotes will improve the odds of getting the best price.
Some insurers don’t necessarily list every discount in a way that’s easy to find, so the next list breaks down a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.
Discounts lower rates, but many deductions do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way.
A few of the larger companies and the discounts they provide are:
When getting free insurance quotes, it’s a good idea to each company to apply every possible discount. Some credits may not be offered in your area. If you would like to choose from a list of insurers that provide some of the discounts listed above, click here.
When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that could help you determine whether or not you may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious like where you live or your vehicle rating.
The items below are just a few of the factors companies use to determine rates.
Well-known auto insurance companies like Allstate, Geico and Progressive regularly use ads in print and on television. All the ads tend to make the same promise that drivers will save a bundle if you change to their company. How does every auto insurance company charge you a lower premium? It’s all in how they say it.
Insurance companies offer their best rates for the type of driver that will not have excessive claims. For example, this type of driver could possibly be over the age of 35, has had continuous coverage, and has excellent credit. Someone who matches that profile may get the lowest car insurance rates and therefore will save if they switch.
People who cannot meet these stringent criteria may be forced to pay higher premium rates with the end result being the prospect going elsewhere. The ads say “customers that switch” but not “everyone who gets a quote” save that much when switching. This is how companies can truthfully make those claims. Because of this risk profiling, you should get price quotes at each policy renewal. You cannot predict the company that will have the lowest car insurance rates for your situation.
Understanding the coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Auto liability – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like legal defense fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision coverage – Collision insurance will pay to fix damage to your A8 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, X-ray expenses, hospital visits and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage only to find out they didn’t have enough coverage. Your focus should be to buy enough coverage at the best possible price while still protecting your assets.
More affordable auto insurance is definitely available online in addition to local insurance agencies, so you need to shop insurance with both to have the best selection. Some auto insurance companies do not provide rates over the internet and many times these small, regional companies sell through local independent agents.
People change insurance companies for any number of reasons including high prices, delays in paying claims, high rates after DUI convictions or delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider can be easier than you think.
More detailed auto insurance information can be found at these sites:
I’m in the west part of Salem, OR. Quoted with Sentry, Encompass, GEICO, and Amica for my 2003 Audi A8 and saved just over $70 a year. They have a lot of discounts available. Are quotes cheaper online? Anyone else drop full coverage?
Lots of good stuff here. Checking in from Providence, RI. Quoted with AIG Insurance, Esurance, and Nationwide for my Audi and saved $75 a year. Just go online and compare their rates. I’m thinking about dropping full coverage though.
Just my two cents. Live in the northern part of Bangor, ME. Compared rates from a lot of places. Saved darn near $20 a month. Allstate was the best choice for me. Insured with Encompass before. It’s only liability tho.
I got quite a few price quotes for a 2003 Audi A8 in Madison, WI. Ended up at darn near $120 every six months with AIG Insurance.
I live just outside Rutland, Vermont, and Progressive rates were best. Did it all online. I only have liability coverage on it.
Proud to be from Lexington, KY. I compared lots of rates. Saved right around $30 a month. 21st Century was the cheapest for me. Get lots of quotes to find the best rate.
IT’S ALL TOO EXPENSIVE! From east side of Rockford, Illinois. Got car insurance quotes from AAA, MetLife, and some smaller one I can’t remember the name of for my A8 and saved about $80 a year. Left Farmers to switch. They offer free online rate quotes.
Anyone like their agent?
All companies are crooks. Checking in from Rochester, MN. Went online for free insurance quotes for a 2003 Audi A8. Ended up at about $120 savings annually. Went with 21st Century. I dropped full coverage awhile back.
Progressive is pretty cheap in Ohio! :)
It’s all a rip off. Went with Esurance for my 2003 Audi A8 and saved about $120 a year. Hopefully won’t need it. It’s easy to compare rates online now.
I’ve had GEICO for years. I’m in Great Falls, MT.
Located in Kansas City, MO. Got car insurance quotes from State Farm, American Family, and Eastwood for my 2003 Audi A8 and I’m now saving $22 a month. They have free quotes online. Liability only on my Audi.
I can’t pay high rates. Live in the western part of Idaho Falls, ID. Quoted rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 2003 Audi A8 and saved just over $80 a year. They have free quotes online. Book value doesn’t justify full coverage anymore.
From northwest of Cleveland, Ohio. Received rates from USAA, Auto-Owners, The General, and Nationwide for my A8 and I think I saved around $20 each month.
Here’s what I found out. Lifelong resident of Owensboro, KY. Received prices from 21st Century, Encompass, and The General for my 2003 Audi A8 and saved about $110 a year. Was with Hartford. Even increased coverage a bit.