Save on 2012 Audi A8 Insurance Quotes

Searching for better insurance rates for your Audi A8? High-priced Audi A8 insurance can overdraw your bank account and force you to tighten up your finances. Comparing price quotes is an excellent way to make ends meet.

Because there are so many companies and agents to choose from, it can be challenging to choose the most affordable insurance provider.

It’s a good idea to do price comparisons quite often because insurance rates tend to go up over time. Just because you found the best deal for A8 coverage six months ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance because you’re going to learn one of the easiest ways to find lower rates on insurance.

Cheap car insurance

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way. You could waste time driving to insurance companies in your area, or you can utilize the internet for quick rates.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each company then returns a price quote based on that information. This prevents consumers from doing quotation requests to every company. To find out what other companies charge click here (opens in new window).

The one disadvantage to comparing rates this way is that you can’t choose which providers to get pricing from. If you wish to select specific insurance companies to request quotes from, we have a page of car insurance companies in your area. Click here to view list.

Whichever way you use, be sure you’re using the same coverages and limits for each comparison quote. If you use different limits and deductibles on each one you can’t possibly get a fair rate comparison. Quoting even small variations in coverages could mean much higher rates. Keep in mind that comparing a large number of companies gives you a better chance of getting a lower rate. Not every company allows you to get online price quotes, so it’s important to also get quotes from them as well.

Do you qualify for discounts?

Not too many consumers would say car insurance is affordable, but you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you purchase, but once in a while a discount must be asked for before you get the savings.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Accident Forgiveness – Not really a discount, but some companies like GEICO, Allstate and Liberty Mutual will forgive one accident without the usual rate increase so long as you are claim-free for a certain period of time.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Onboard Data Collection – Insureds who allow driving data submission to scrutinize driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Discount for Swiching Early – Some companies provide a discount for switching policies prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
  • Distant Student – who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Multiple Cars – Buying a policy with multiple vehicles with the same car insurance company can get a discount for every vehicle.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for A8 coverage with certain companies.
  • Policy Bundle Discount – When you combine your auto and home insurance with one insurance company you may earn approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, you’re out of luck.

The best car insurance companies and some of their more popular discounts can be found below.

  • Mercury Insurance discounts include ease of repair, low natural disaster claims, age of vehicle, anti-theft, and good driver.
  • Farmers Insurance offers discounts including early shopping, switch companies, good student, teen driver, homeowner, business and professional, and distant student.
  • Farm Bureau may include discounts for 55 and retired, multi-vehicle, good student, multi-policy, renewal discount, and safe driver.
  • State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, good student, good driver, Drive Safe & Save, and multiple autos.
  • Allstate offers discounts for 55 and retired, anti-theft, multi-policy, economy car, resident student, utility vehicle, and EZ pay plan discount.
  • GEICO offers premium reductions for federal employee, five-year accident-free, defensive driver, good student, military active duty, and multi-vehicle.

If you need lower rates, check with each insurance company which discounts they offer. Discounts may not be offered everywhere. To see a list of car insurance companies who offer discounts, click here.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Is a fancy paint job covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • Do all my vehicles need collision coverage?
  • How high should my medical payments coverage be?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I drop full coverage on my 2012 Audi A8?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like X-ray expenses, surgery and EMT expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, theft and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

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

Collision insurance covers things such as driving through your garage door, hitting a mailbox, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage 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 carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

This will cover damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as court costs, structural damage, attorney fees, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.

Comments About 2012 Audi A8 Insurance

  1. Jamison Landry

    I live on the south side of Springfield, MO. Quoted with Western Auto Insurance, Auto-Owners, GMAC, and MetLife for my Audi and saved just over $160 a year. It was easy to get rates.

  2. Mee Vargas

    When should I drop comp and collision?

  3. Janey Pope

    I can’t pay high rates. I’m just south of Detroit, Michigan. Quoted quotes with Allstate, GMAC, and Erie for my A8 and saved $192 a year. Was with AAA.

  4. Karyn Gregory

    I’ve had Progressive for years. I’m in Portland, OR.

  5. Tiana Cooley

    In Springfield, MA, State Farm is a good choice.

  6. Branden Simpson

    I live in a small town just outside of Rapid City, SD. I got free quotes from Auto-Owners, Esurance, and Sentry for my A8 and cut my rates about $160 a year.

  7. Collette Levine

    Well-written and thought out article. From a town just southwest of New Haven, CT. Got prices from American Family, Nationwide, and some smaller one I can’t remember the name of for my A8 and saved $426 a year.

  8. Kenny Stanton

    I’m looking for cheaper coverage. Found cheapest coverage with Nationwide for my Audi and saved around $510 a year. I get multi-vehicle and multi-policy discounts.

  9. Zana Head

    Liked the article. I live just to the west of South Burlington, VT. I got free rates from Amica, Nationwide, and a few others for my Audi and I’m now saving $61 a month. Moved home policy as well.

  10. Hosea Jennings

    Cheap car insurance? What’s that? I live just to the north of Manchester, NH. Quoted quotes with Liberty Mutual, AIG Insurance, MetLife, and a couple others for my A8 and saved $550 a year. Are quotes cheaper online?

  11. Coretta Wyatt

    Looking for cheaper 2012 Audi A8 insurance in Salem, OR. Help!

  12. Mavis Blevins

    I’m looking for cheaper coverage. I live in Aurora, IL. Got car insurance prices from GEICO, Encompass, and GMAC for my 2012 Audi A8 and saved $370 a year. Was with USAA. Got better coverage too. Are quotes cheaper online?