2010 Audi A8 Insurance Quotes – 9 Tips for Best Rates

Trying to find better auto insurance rates for your Audi A8? Being forced to pay for expensive auto insurance premiums can diminish your bank account and force you to make sacrifices. Comparing cost estimates is a fast and free way to cut your insurance bill.

Due to the fact that there are so many choices of insurance companies, it can be challenging to locate a more affordable insurance company.

The best way to compare rate quotes is to realize auto insurance companies have advanced systems to quote your coverage. All you need to do is provide the companies a bit of rating information including the make and model of your vehicles, whether you are married, your job, and how much coverage you want. That rating information is submitted instantly to many different companies and they return quotes within a short period of time.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?
  • Am I covered when driving in Canada or Mexico?
  • Do I need added coverage for expensive stereo equipment?
  • Should I have combined single limit or split liability limits?
  • Are rock chip repairs covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I crash into my own garage door?
  • Is business property covered if stolen from my car?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Collision coverage

This coverage will pay to fix damage to your A8 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, crashing into a building, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, hospital visits and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, structural damage and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Audi A8.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Comments About 2010 Audi A8 Insurance

  1. Alysa Cochran

    What does medical payments cover?

  2. Natashia Freeman

    I think I’m paying too much. I live on the south side of Albuquerque, NM. Went online for free insurance quotes for a 2010 Audi A8. Ended up at about $570 savings annually. Went with State Farm. Good savings if you bundle. Did it all online.

  3. Elayne Allen

    Any claims experience with Allstate in Nampa, Idaho?

  4. Russ Gray

    I live in a small town just outside of Phoenix, AZ. Got rates from AAA, MetLife, and USAA for my 2010 Audi A8 and saved around $380 a year. I get lower rates because of my clean driving record. Might find lower rates online.

  5. Millard Orr

    Not sure if this is cheap. From northwest of Bismarck, ND. I got free prices from 21st Century, AIG Insurance, Encompass, and GMAC for my A8 and am saving around $430 a year.

  6. Sherley Tyler

    It all costs too much. I live in Columbus, GA. Checked online prices for a 2010 Audi A8. Ended up at about $480 savings annually. Went with 21st Century. Ask about discounts.