Trying to find cheaper insurance for a new or used Audi A8 can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages for a new or used Audi and locate the lowest possible price.
It’s a great practice to price shop coverage as often as possible because insurance coverage prices change frequently. Even if you got the best deal for A8 insurance a few years ago you may be paying too much now. There is lot of inaccurate information about insurance coverage on the internet, but by reading this article, you’re going to learn some good information on how to quit paying high insurance coverage rates.
Most companies like State Farm, Geico and Progressive provide price estimates on their websites. Doing online price comparisons is fairly simple as you just enter your required coverages as detailed in the form. Once entered, the system automatically orders information on your driving record and credit history and generates a price based on these factors.
Online price estimates makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively complete many quote forms is a big time waster. Unfortunately, it is important to have as many quotes as possible if you want to get better prices.
Isn’t there an easier way to compare rates?
The easiest way to locate the lowest prices uses just one form that analyzes rates from multiple companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.
To use this form to compare rates, click here and submit the form. If you have a policy now, it’s recommended you duplicate the coverages identical to your current policy. This makes sure you will receive a fair comparison based on the exact same insurance coverage.
Insurance can be prohibitively expensive, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will be applied at the time you complete a quote, but a few must be manually applied before you will receive the discount.
A quick disclaimer, many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.
Popular insurance companies and a partial list of their discounts include:
Check with all the companies which discounts can lower your rates. A few discounts may not apply in your area. If you would like to see a list of companies with discount rates, click this link.
When choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.
For example, these questions might point out if your insurance needs could use an agent’s help.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Many things are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are not as apparent like your vehicle usage or your commute time.
The factors shown below are a partial list of the pieces used by your company to calculate rates.
Knowing the specifics of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Collision coverages – This coverage covers damage to your A8 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like crashing into a building, backing into a parked car, sideswiping another vehicle, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Liability auto insurance – This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against things such as emergency aid, pain and suffering, attorney fees, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2009 Audi A8.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Comprehensive coverages – This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, pain medications, X-ray expenses and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
People who switch companies do it for many reasons like being labeled a high risk driver, delays in paying claims, high prices or denial of a claim. No matter why you want to switch, finding a new company is not as hard as you think.
Cheaper insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best selection. A few companies may not offer internet price quotes and usually these small, regional companies work with local independent agencies.
We just showed you many ways to lower your 2009 Audi A8 insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from the smaller companies.
Even more information is located in the articles below:
Enjoyed the article. I’m in the suburbs of San Jose, California. Not sure of all the companies but I ended up saving about $60 each month.
I got quite a few price quotes for a 2009 Audi A8 in Sioux Falls, SD. Ended up at darn near $130 every six months with American Family.
Are custom wheels covered by insurance?
Cheaper not always better. I’m just south of Missoula, MT. Quoted with Hanover, AIG Insurance, Safeco, and a couple others for my 2009 Audi A8 and saved $179 a year. Was with GEICO. Switched homeowners coverage too.
What is comprehensive coverage?
I compared a lot of rate quotes for a 2009 Audi A8 in Frederick, Maryland. Ended up at about $360 every six months with American Family. Insured with Western Auto Insurance before. I get a discount for insuring multiple vehicles.
In Huntington, West Virginia, GEICO auto insurance rates for my 2009 Audi A8 were good. Teenage drivers are expensive!
I’m looking for cheaper coverage. Got a quote with Hanover for my Audi and cut my rates about $420 a year. Insured with AIG Insurance before. Good savings if you bundle.
IT’S ALL TOO EXPENSIVE! Live in Las Vegas, Nevada. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the cheapest option for me. A clean driving record helps. I used their online quote form to compare rates.
What exactly does liability cover?
When do I drop full coverage?