Cheap 2015 Audi A8 Car Insurance Quotes

Have you fallen victim to high-priced insurance? Trust us when we tell you you’re not the only one.

Popular companies such as Progressive, Geico and Farmers Insurance increase brand awareness with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Quote car insurance online

All the larger car insurance companies like Allstate and Progressive provide price estimates on the web. Comparing prices online is very simple as you just type in your required coverages into the form. After the form is submitted, the quote system sends out for reports for credit and driving violations and returns pricing information based on many factors. Quoting online makes it simple to compare prices but the process of having to visit a lot of sites and type in the same information gets old quite quickly. But it’s also necessary to do this in order to get the lowest possible prices on car insurance.

An easier way to lower your rates uses one simple form that gets price quotes from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons much more enjoyable. As soon as you send your information, it is rated and you are able to buy any or none of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the policy. This process takes less than 15 minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you input the insurance coverages identical to your current policy. This ensures you’re receiving a fair comparison using the exact same coverages.

Take advantage of these discounts

Companies do not list every discount they offer very clearly, so the list below gives a summary of both well-publicized and also the more inconspicuous credits that may apply to you.

• Student in College – Children who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
• Data Collection Discounts – Drivers that enable driving data collection to spy on where and when they drive by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
• Low Mileage – Driving fewer miles can earn cheaper rates.
• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you better prices if you take out a life policy as well.
• Bundle and Save – When you combine your auto and homeowners insurance with the same company you could earn a discount of at least 10% off all policies.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will bring down the amount you pay for coverage.

A few of the larger companies and their possible discounts are shown below.

• Farmers Insurance offers discounts for homeowner, switch companies, multi-car, mature driver, and bundle discounts.
• State Farm may offer discounts for accident-free, anti-theft, defensive driving training, multiple policy, driver’s education, and Steer Clear safe driver discount.
• Liberty Mutual offers premium reductions for newly retired, teen driver discount, exclusive group savings, safety features, new graduate, and multi-policy.
• MetLife may include discounts for defensive driver, claim-free, multi-policy, good driver, and accident-free.
• Progressive may have discounts that include online quote discount, multi-vehicle, good student, homeowner, and multi-policy.

If you want cheaper insurance coverage quotes, ask each insurance company which discounts they offer. Some credits may not apply in your area. To choose providers that offer multiple discounts, click here.

Special considerations

When buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

• Does liability extend to a camper or trailer?
• Should I put collision coverage on all my vehicles?
• Does my 2015 Audi A8 need full coverage?
• How can I get high-risk coverage after a DUI?
• Will my insurance pay for OEM parts?
• What if I total my 2015 Audi A8 and owe more than it’s worth?
• Am I covered when driving a rental car?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Informed drivers can save money

Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are less apparent like your vehicle usage or your vehicle rating.

• More miles equals more premium – The higher the miles on your Audi every year the more you will pay for auto insurance. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that sit idle most of the time receive lower rates than those that get driven frequently. Having an incorrect usage rating on your A8 may be wasting your money. It’s always a good idea to double check that your auto insurance policy properly reflects annual mileage.
• Are you male or female? – The statistics show that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Both sexes are in accidents in similar numbers, but men tend to have higher claims. Not only that, but men also have more aggressive citations like driving under the influence (DUI).
• Your credit rating is important – A driver’s credit rating factor in determining premium rates. Insureds that have very good credit scores tend to be more responsible than those with poor credit scores. If your credit history is not that good, you could potentially save money when insuring your 2015 Audi A8 if you clean up your credit.
• Tickets mean higher costs – Only having one ticket can boost insurance rates substantially. Careful drivers have lower premiums as compared to careless drivers. Drivers with dangerous citations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
• High deductibles cost less – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more money you have to pay, the less your company will charge you for insurance for A8 insurance.
• Being married can save you money – Being married helps lower the price on your auto insurance bill. Having a spouse usually means you are more financially stable and it’s proven that being married results in fewer claims.
• Deter theft and pay less – Buying a car with anti-theft technology or alarm system can save you some money. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.
• Your address can influence price – Choosing to live in a small town is a positive aspect if you are looking for the lowest rates. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large cities have to deal with traffic congestion and more time behind the wheel. Spending more time driving means more chances of being involved in an auto accident.

Will you really save $390 on auto insurance?

Respected companies like Allstate and Progressive regularly use ads in print and on television. All the ads convey the message that drivers will save a bundle if you move your coverage. How does each company charge less that you’re paying now? It’s all in how they say it.

Different companies have a certain “appetite” for a prospective insured they prefer to insure. For example, this type of risk profile may be a mature driver, owns their home, and does not commute to work. A customer who fits those characteristics will probably get cheap car insurance rates and most likely will cut their rates if they switch.

Potential customers who fall short of those standards will probably be forced to pay a higher premium which translates to the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings. This really illustrates why drivers must compare quotes as often as possible. It’s not possible to predict the company that will provide you with the cheapest premium rates.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage kick in for immediate expenses such as surgery, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, bail bonds, medical services, loss of income and court costs. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, a broken windshield and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage on a shoestring budget

We’ve covered some good ideas how to save on 2015 Audi A8 insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest prices are with a small local company. Some small companies often have lower rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

As you shop your coverage around, never reduce needed coverages to save money. There are many occasions where someone sacrificed collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Other learning opportunities

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Medical Payments Coverage (Liberty Mutual)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Car Crashes Video (iihs.org)