2017 Audi A8 Insurance Rates – 9 Savings Tips

Finding low-cost insurance for an Audi A8 could be difficult, but you can use the following methods to find lower rates. There is a better way to shop for insurance coverage and we’ll show you the absolute fastest way to compare rates on a Audi and obtain the cheapest rates from local insurance agents and online providers.

Slash your insurance rates with these nine discounts

Not many people think insurance is cheap, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before you will receive the discount. If you are not receiving all the discounts available, you’re paying more than you need to.

• Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
• E-sign Discounts – A few companies may give you up to $50 shop car insurance over the internet.
• Government Employees – Having worked for a branch of the government can save as much as 8% on A8 coverage with certain companies.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
• Telematics Data – People who choose to allow their insurance company to monitor driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
• Low Mileage – Driving less can earn lower prices on the low mileage vehicles.
• Waiver for an Accident – but some companies like Geico and Liberty Mutual permit an accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
• Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of up to 20% and get you cheap car insurance.

Please keep in mind that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free insurance policy, you won’t be that lucky.

Large insurance companies and a summarized list of policyholder discounts include:

• Geico may have discounts that include multi-vehicle, air bags, defensive driver, five-year accident-free, emergency military deployment, good student, and anti-lock brakes.
• Auto-Owners Insurance discounts include multi-policy, teen driver, air bags, paid in full, anti-theft, anti-lock brakes, and company car.
• American Family offers discounts including accident-free, Steer into Savings, TimeAway discount, defensive driver, good driver, air bags, and bundled insurance.
• Esurance includes discounts for renters, safety device, claim free, defensive driver, anti-lock brakes, and good student.
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, homeowner, multi-policy, and good student.
• State Farm may include discounts for accident-free, driver’s education, student away at school, anti-theft, multiple policy, and good driver.
• AAA may offer discounts for good driver, education and occupation, AAA membership discount, pay-in-full, and anti-theft.

Double check with each insurance company which discounts you may be entitled to. Some discounts listed above may not apply in your area. To view companies with significant discounts, click here.

You are unique and your auto insurance should be too

When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation might need professional guidance.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my ex-spouse still covered by my policy?
• What is high-risk coverage and where do I buy it?
• I have health insurance so do I need medical payments coverage?
• Am I missing any policy discounts?
• Is rental equipment covered for theft or damage?
• How much liability do I need to cover my assets?
• Should I buy more coverage than the required minimum liability coverage?
• If my pet gets injured in an accident are they covered?
• Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for doctor visits, ambulance fees, dental work and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, legal defense fees, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Audi A8.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

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

Comprehensive insurance covers claims like falling objects, hail damage, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your A8 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Shop. Compare. Save.

When shopping online for car insurance, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Consumers leave their current company for any number of reasons including poor customer service, policy cancellation, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

There are still a few companies who may not offer the ability to get a quote online and these regional insurance providers only sell through local independent agents. Affordable 2017 Audi A8 insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture.

More information is available below:

• Insuring a Leased Car (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Choosing an Insurance Company (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)