2016 Audi S8 Insurance Quotes – 8 Tips for Cheaper Rates

Finding low-cost insurance for a new or used Audi S8 can normally be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy auto insurance and we’ll show you the quickest way to compare rates on a Audi and locate the cheapest rates from both online companies and local agents.

Choosing the best insurance company for you is not that difficult. If you are insured now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Drivers only need an understanding of the tricks to get comparison rates online.

More discounts mean affordable premiums

Auto insurance companies don’t always list every available discount very clearly, so the list below details some of the best known as well as the least known credits available to you.

  • Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance on S8 coverage depending on your company.
  • Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts up to 30%.
  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Military Rewards – Being on active deployment in the military may qualify for rate reductions.
  • Membership in Organizations – Being in qualifying employment or professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn lower prices on the low mileage vehicles.

As is typical with insurance, many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount should help lower your overall bill.

Popular auto insurance companies and their offered discounts are outlined below.

  • State Farm may include discounts for good student, multiple autos, accident-free, student away at school, and Steer Clear safe driver discount.
  • Farmers Insurance includes discounts for mature driver, homeowner, electronic funds transfer, business and professional, distant student, bundle discounts, and youthful driver.
  • Progressive offers discounts including multi-vehicle, online signing, good student, multi-policy, homeowner, online quote discount, and continuous coverage.
  • Geico may offer discounts for driver training, anti-theft, defensive driver, air bags, and good student.
  • Auto-Owners Insurance policyholders can earn discounts including mature driver, anti-lock brakes, company car, good student, and teen driver.
  • The Hartford discounts include good student, bundle, air bag, anti-theft, and vehicle fuel type.
  • Farm Bureau has discounts for renewal discount, good student, 55 and retired, driver training, multi-policy, and safe driver.
  • USAA may have discounts that include multi-vehicle, safe driver, vehicle storage, military installation, new vehicle, multi-policy, and family discount.

Before you buy a policy, ask every prospective company which discounts they offer. Some discounts may not apply in every state. To find auto insurance companies that offer many of these discounts, follow this link.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when using my vehicle for business?
  • Is my dog or cat covered if injured in an accident?
  • What is the difference between comprehensive and collision coverage?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

What auto insurance coverages do you need?

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Audi S8.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

This coverage pays for damage to your S8 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, hitting a parking meter, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for surgery, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This can cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, repair costs for stationary objects, loss of income, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Feed the piggy bank

In this article, we covered a lot of ways to save on 2016 Audi S8 insurance. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper car insurance. Consumers could even find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

Cost effective 2016 Audi S8 insurance can be sourced on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and most of the time these regional carriers work with local independent agents.

When searching for the cheapest car insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price.

More learning opportunities

Comments About 2016 Audi S8 Insurance

  1. Ahmed Bennett

    If you don’t have tickets and live around Idaho Falls, ID, check out 21st Century. They seem to be cheaper. I get a discount for insuring multiple vehicles. They offer free online rate quotes.

  2. Shyla Delacruz

    I’ve bought from Progressive forever. Cheapest rates in Lexington, KY.

  3. Debbie Riggs

    Hope my car insurance gets cheaper. I live just to the south of New Haven, CT. Got car insurance rates from Progressive, American Family, and some I forget for my S8 and I think I cut my rates about $40 each month. Was with 21st Century. Did it all online.

  4. Junior Sharp

    When should I drop comp and collision?

  5. Louisa May

    Got a quote with Auto-Owners for my 2016 Audi S8 and am saving around $120 a year. Was with AAA.

  6. Percy England

    Anyone try to read their policy?

  7. Randee Johns

    I think Progressive has low rates in Oregon. For me anyway.

  8. Stevie Berry

    Any Progressive or Farmers customers near Great Falls, Montana?

  9. Len Higgins

    Will GEICO raise rates if I file a claim?

  10. Wilton Peters

    What exactly does liability cover?

  11. Izetta Anderson

    What exactly does liability cover?

  12. Shyla Villarreal

    I was with Liberty Mutual last year but switched to GEICO. From Jackson, Mississippi. They were helpful in switching over.

  13. Terri Yang

    IMHO Newark, New Jersey seems to have good rates from Allstate.

  14. Milford England

    Where is cheaper car insurance? Quoted with Erie for my Audi and saved around $530 a year. Left Allstate to switch. It’s easy to compare rates online now.