Cheap 2016 Audi A8 Car Insurance Cost

Are you confused by the wide range of auto insurance providers that you can choose from? vehicle owners have such a large number of options that it can quickly become a big hassle to find better auto insurance rates.

Insurance Discounts

Insurance is neither fun to buy or cheap, but there could be significant discounts that can drop the cost substantially. Many discounts should be triggered when you quote, but a few must be manually applied before you will receive the discount.

  • Distant College Student Discount – Children 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.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts as opposed to accident-prone drivers.
  • Anti-lock Brakes – Cars with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Early Signing – A few insurance companies allow discounts for switching companies before your current policy expires. This can save 10% or more.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower premium rates.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Senior Citizen Discount – Mature drivers could receive a small discount on rates for A8 coverage.
  • Discount for Life Insurance – Some insurance companies give lower prices if you buy some life insurance in addition to your auto policy.
  • Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance because of the fact that having a home requires personal responsibility.

A quick disclaimer, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like you could get a free insurance policy, that’s just not realistic.

Popular insurance companies and their possible discounts are shown below.

  • Mercury Insurance may have discounts that include good driver, accident-free, location of vehicle, professional/association, good student, and ease of repair.
  • Farmers Insurance includes discounts for homeowner, youthful driver, early shopping, business and professional, pay in full, bundle discounts, and alternative fuel.
  • Farm Bureau offers discounts including renewal discount, driver training, multi-policy, good student, and youthful driver.
  • State Farm may offer discounts for accident-free, good student, multiple autos, Steer Clear safe driver discount, safe vehicle, passive restraint, and Drive Safe & Save.
  • Allstate policyholders can earn discounts including resident student, 55 and retired, premier plus, anti-lock brakes, EZ pay plan discount, senior citizen, and FullPay discount.
  • GEICO discounts include defensive driver, air bags, seat belt use, membership and employees, emergency military deployment, good student, and anti-lock brakes.

Check with each company which discounts you qualify for. Some discounts listed above might not apply in every state. To see a list of insurers offering insurance discounts, follow this link.

How you can control Audi A8 insurance costs

Lots of factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but others are more transparent like your continuous coverage and annual miles driven.

  • Proper usage rating affects rates – The more you drive each year the higher your rates will be. A lot of insurance companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your vehicle rating is rated on the right rating data. Incorrect rating for your A8 may be costing you higher rates.
  • With age comes responsibility – Teenage drivers have been known to be less responsible in a vehicle so they pay higher insurance rates. Older drivers are proven to be safer behind the wheel, are lower risk to insure and get fewer tickets.
  • Marriage pays dividends – Being married may cut your premiums when shopping for insurance. Having a spouse translates into being more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Vehicle features impact rates – Buying a car with an alarm system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
  • Better prices on cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Consider raising physical damage deductibles – Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Audi. Examples of covered claims could be collision with another vehicle, hail damage, and having your car stolen. Your deductibles state the amount of money the insured will be required to pay if you file a covered claim. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for insurance for A8 coverage.
  • More than one policy can earn a discount – Most larger companies provide a discount to clients that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even if you already get this discount, you may still want to compare other insurance prices to ensure the best deal.There is a good possibility that you can find a better deal by splitting coverages up.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Do I pay less for low miles?
  • Am I covered by my spouse’s policy after a separation?
  • Does my medical payments coverage pay my health insurance deductible?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if I hit a deer?
  • Will I lose any money if I cancel my policy before it expires?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for things like dental work, pain medications, ambulance fees, chiropractic care and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Audi A8.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, a broken windshield and hail damage. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This coverage can cover damage that occurs to other’s property or people. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for 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. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, hitting a parking meter, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Be a money saver!

Throughout this article, we presented a lot of tips how to reduce 2016 Audi A8 insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the most savings is with the smaller companies.

Some auto insurance companies do not provide rates over the internet small, regional companies prefer to sell through local independent agents. Cheaper 2016 Audi A8 insurance is possible on the web in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from.

When getting insurance coverage quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. The goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

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Comments About 2016 Audi A8 Insurance

  1. Carin Lowe

    I’m looking for cheaper coverage. I live north of Evansville, Indiana. Compared quite a few companies. Saved about $30 a month. Allstate was the best choice for me. Have a couple speeding tickets too.

  2. Marcie Delgado

    Cheap is not always the best policy. I live on the north side of Owensboro, Kentucky. Got car insurance quotes with GEICO, Erie, and Liberty Mutual for my 2016 Audi A8 and I’m now saving $58 a month.

  3. Mikel Riddle

    Great info, thanks for posting. I’m just east of Norfolk, Virginia. Quoted quotes with 21st Century, American Family, and some I forget for my A8 and I’m now saving $61 a month.

  4. Isidra Hurley

    Cheap is not always the best policy. Live in the southern part of Columbus, OH. Got prices from Allstate, Amica, and some I forget for my Audi and I think I am saving around $40 each month. Good multi-policy discounts. God forbid I actually have a claim.

  5. Marie Dickson

    Got pretty cheap 2016 Audi A8 insurance from GEICO in Dallas, TX.

  6. Yetta Anderson

    Thanks for putting this site together. I’m in Wichita, Kansas. Don’t remember every company but I ended up saving about $40 each month. Insured with Auto-Owners before.

  7. Gilma Quinn

    Does Oregon have minimum liability laws?

  8. Anne Owen

    Like your site, BTW. I live just outside New York City, NY. Got car insurance quotes with AAA, Mercury, and Western Auto Insurance for my 2016 Audi A8 and I think I am saving around $60 each month. Teenage drivers are expensive! You can get a rate quote online.

  9. Patrica Espinoza

    From northwest of Lewiston, Maine. I don’t recall every quote but I ended up saving about $50 each month. Still almost need a second mortgage.

  10. Arlette Rodgers

    How are claims handled by 21st Century around Cranston, RI?

  11. Sydney Mcintyre

    I’m from Mobile, AL. Got car insurance quotes with The General, AAA, Nationwide, and a couple others for my A8 and saved just over $290 a year. Even increased coverage a bit.

  12. Eun Farley

    Does Progressive settle claims fairly?