How Much Does 2009 Audi A8 Insurance Cost?

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.

How to get free auto insurance quotes online

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 discounts help cut rates

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.

  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for A8 insurance with some insurance companies.
  • Discount for Low Mileage – Driving less can qualify you for substantially lower prices.
  • Senior Citizens – Older drivers can possibly qualify for a slight reduction on a car insurance quote for A8 insurance.
  • Resident Student – Kids who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more.
  • Responsible Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote for A8 insurance than drivers with accident claims.
  • No Claim Discounts – Claim-free drivers can save substantially when compared to accident-prone drivers.
  • First Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.

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:

  • State Farm offers discounts including good driver, multiple autos, driver’s education, Drive Safe & Save, and passive restraint.
  • Liberty Mutual has discounts for safety features, preferred payment discount, teen driver discount, newly married, and new move discount.
  • American Family discounts include multi-vehicle, good driver, air bags, Steer into Savings, early bird, good student, and mySafetyValet.
  • Progressive includes discounts for continuous coverage, online quote discount, multi-vehicle, online signing, and homeowner.
  • Farmers Insurance policyholders can earn discounts including pay in full, youthful driver, good student, alternative fuel, mature driver, and teen driver.
  • Auto-Owners Insurance offers discounts for safe vehicle, good student, multiple vehicles, paperless, and mature driver.
  • SAFECO may have discounts that include safe driver, homeowner, accident prevention training, drive less, and bundle discounts.

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.

Which is the best car insurance?

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.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How much liability insurance is required?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company denied a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does coverage extend to a rental car in a foreign country?
  • When do I need to add a new car to my policy?
  • Can I afford low physical damage deductibles?

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.

Smart consumers can lower their insurance rates

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.

  • How credit history affects insurance coverage prices – An insured’s credit score is likely to be a major factor in determining premium rates. People with high credit ratings tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit score is not that good, you could pay less to insure your 2009 Audi A8 if you clean up your credit.
  • Save by driving less – The more you drive every year the higher your rates will be. Almost all companies rate vehicles partially by how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level than those used for commuting. An incorrectly rated A8 may be costing you. It’s a good idea to make sure your insurance coverage coverage shows the right rating data.
  • Discounts for married couples – Walking down the aisle can get you a discount on insurance coverage. It demonstrates that you tend to be more stable financially it has been statistically shown that being married results in fewer claims.
  • Men pay more for auto insurance – Over time, data shows that females tend to be a little less risky than males. However, this does not mean females are better drivers. Both genders have accidents at a similar rate, but the male of the species get into accidents with more damage. Not only that, but men also receive more costly citations such as DWI and reckless driving.
  • Prices and your address – Being located in less populated areas of the country has it’s advantages when shopping for auto insurance. Less people living in that area means a lower chance of having an accident in addition to lower liability claims People who live in big cities have traffic congestion and more time behind the wheel. Higher commute times can result in more accidents.
  • You might want pay the minor claims yourself – If you are the type of insured that files lots of claims don’t be surprised to see either policy cancellation or increased premiums. Auto insurance companies give the lowest premiums to people who do not rely on their insurance for small claims. Insurance coverage is designed for major claims that would cause financial hardship.

What car insurance coverages do you need?

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

Summing up your insurance search

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:

Comments About 2009 Audi A8 Insurance

  1. Ila Nash

    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.

  2. Aida Hays

    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.

  3. Sharla Bolton

    Are custom wheels covered by insurance?

  4. Tracie Graham

    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.

  5. Jody Shaffer

    What is comprehensive coverage?

  6. Denis Holloway

    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.

  7. Marion Kelly

    In Huntington, West Virginia, GEICO auto insurance rates for my 2009 Audi A8 were good. Teenage drivers are expensive!

  8. Tressie Navarro

    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.

  9. Onita Sheppard

    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.

  10. Edyth Head

    What exactly does liability cover?

  11. Liza Mckay

    When do I drop full coverage?