View 2008 Audi A8 Insurance Quotes

Pretty sure you bought overpriced auto insurance? It’s a common feeling and you’re not alone.

You have so many auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, more choices can make it harder to compare rates.

How insurance providers determine Audi A8 insurance costs

Many things are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving record, although some other factors are not as apparent such as your marital status and annual miles driven.Smart consumers have a good feel for some of the things that go into determining the price you pay for car insurance. If you have some idea of what determines premiums, this enables informed choices that could help you find much lower annual insurance costs.

  • Youthful drivers pay more – Older, more experienced drivers are viewed as being more responsible, are lower risk to insure and tend to be get fewer driving tickets.Youthful drivers have a tendency to be less responsible when driving so car insurance rates are higher.
  • Commute or pleasure use – The more you drive your Audi every year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Autos that are left in the garage qualify for better rates than those used for commuting. It’s a smart idea to ensure your declarations sheet is rated on the right rating data, because improper ratings can cost you money. A policy that improperly rates your A8 may be costing you higher rates.
  • Use credit responsibly and save – Having a good credit history can be a huge factor in calculating your car insurance rates. If your credit rating is not that good, you could be paying less to insure your 2008 Audi A8 by spending a little time repairing your credit. People that have very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with bad credit.
  • Being married is a good thing – Having a spouse can actually save you money on your car insurance policy. Marriage translates into being more financially stable and it’s statistically proven that being married results in fewer claims.
  • Never let your coverage expire – Driving your car without having proper coverage is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will your rates increase, not being able to provide proof of insurance may earn you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Insurance rates in urban areas – Being located in a rural area has definite advantages when it comes to car insurance. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. Residents of big cities tend to have more traffic problems and more severe claims. More time commuting means more chance of being in an accident.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide the best rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.

Discounts can really help lower premiums

Auto insurance companies don’t list every available discount very well, so the list below contains some of the more common as well as some of the hidden credits available to bring down your rates.

  • Renewal Discounts – Some companies reward drivers for switching to them before your current expiration date. This discount can save up to 10%.
  • Government Employees – Federal government employees could qualify for a slight premium decrease on A8 insurance depending on your insurance provider.
  • Driver Education Discount – Have your child enroll in driver’s education in high school.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Defensive Driver Discounts – Passing a class that teaches driver safety techniques is a good idea and can lower rates if you qualify.
  • Theft Prevention Discount – Cars with anti-theft systems help deter theft and that can save you a little bit as well.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

If you would like to choose from a list of companies that offer discounts, click here to view.

Insurance ads bend the truth

Big name companies like State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all try to convey promises of big savings if you get a free insurance coverage quote and switch your policy. But how can every company sell you cheaper insurance coverage? Here is how they do it.

Insurance companies have strict underwriting profiles for the type of customer that will most likely be profitable. For example, this type of risk profile could be over the age of 40, owns their home, and has a high credit rating. Someone who meets those qualifications will probably get the lowest rates as well as save if they switch.

Drivers who do not meet those criteria will be quoted higher premiums which leads to the customer buying from a different company. The trick is to say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can make claims like that.

This really emphasizes why drivers must get insurance coverage quotes from several different companies. It is just not possible to predict which company will have the lowest car insurance rates for your situation.

Will just any policy work for me?

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • Does medical payments coverage apply to all occupants?
  • Should I sign the liability waiver when renting a car?
  • Does my medical payments coverage pay my health insurance deductible?
  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my 2008 Audi A8?
  • Do I need higher collision deductibles?
  • What is the minimum liability in my state?
  • Do I benefit by insuring my home with the same company?
  • Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Audi A8.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

This coverage will pay to fix damage to your A8 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, hospital visits, doctor visits, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, structural damage and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, damage from flooding, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Make a quick buck

Some companies do not offer online price quotes and many times these smaller providers only sell through independent agents. Lower-priced insurance coverage is possible on the web and also from your neighborhood agents, so you need to compare both to have the best rate selection.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

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Comments About 2008 Audi A8 Insurance

  1. Sheree Bowen

    In Aurora, CO, 21st Century auto insurance rates for my 2008 Audi A8 were good. Teenage drivers are expensive! It was easy to get rates.

  2. Rachele Ratliff

    2008 Audi A8 + Progressive = CHEAP! At least inMinnesota anyway.

  3. Arnold Boone

    Like your site, BTW. Proud to be from Concord, NH. Compared rates from a lot of places. Saved about $50 a month. Allstate was the cheapest option for me. Have an at-fault accident tho.

  4. Evelin Herrera

    I’m in Green Bay, WI. Got quotes from GEICO, Hanover, and Erie for my 2008 Audi A8 and saved about $120 a year.

  5. Carline Morgan

    I’m in the north part of Fairbanks, AK. Got quotes from Amica, Esurance, and Mercury for my Audi and I’m now saving $15 a month.

  6. Letty Newman

    Does State Farm have good customer service?

  7. Marya Hughes

    Will Allstate raise rates for a windshield claim?

  8. Jon Byrd

    I’m in the suburbs of Fairbanks, Alaska. Quoted with Progressive, Encompass, and GMAC for my A8 and saved just over $500 a year. Hopefully won’t need it. It never hurts to quote around.

  9. Willie Anthony

    If you have a good history and live around Allentown, PA, check out GEICO. You might save some money. Insured with Liberty Mutual before. They were helpful in switching over.

  10. Chandra Beasley

    I got quite a few price quotes for a 2008 Audi A8 in Knoxville, TN. Ended up at about $340 every six months with American Family.

  11. Terrell Crosby

    Like your site, BTW. I’m in the suburbs of Mobile, AL. Got car insurance prices from State Farm, AIG Insurance, and Esurance for my 2008 Audi A8 and I think I saved around $20 each month. Even increased my liability limits.

  12. Ardella Finch

    Got pretty cheap 2008 Audi A8 insurance from 21st Century in Nashville, TN.

  13. Pat Gould

    Will State Farm do a SR22 in Charlotte, North Carolina?

  14. Rosamaria Knowles

    Does 21st Century prorate premiums at cancellation?