Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 15, 2017

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Looking for lower insurance rates for your Audi V8? Did you come to the realization that you have overpriced insurance? Don’t sweat it because there are lots of people in the same boat. Companies like Allstate, Progressive and GEICO increase brand awareness with ad campaigns and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.

If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to know the most efficient way to shop their coverage around over the internet.

Insurance policy discounts you can’t miss

Companies offering auto insurance don’t always publicize every possible discount in a way that’s easy to find, so the below list has some of the best known as well as the least known credits available to lower your premiums when you buy insurance online. If you do not double check each discount you deserve, you are not getting the best rate possible.

  • Student Discounts – Excelling in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
  • Driving Data Discount – Drivers who elect to allow their company to spy on driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
  • Government Employee Discount – Active or retired federal employment may reduce rates when you quote insurance for V8 coverage with a few insurance companies.
  • Driver’s Education for Students – Require your teen driver to enroll in driver’s education in high school.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.
  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn slightly better prices than normal.
  • No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as opposed to bad drivers.
  • Buy New and Save – Buying a new car model can cost up to 25% less because new model year vehicles are generally safer.

Policy discounts save money, but most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts should help lower the premium cost.

Companies and a partial list of their discounts are outlined below.

  • GEICO may include discounts for good student, membership and employees, air bags, anti-theft, and anti-lock brakes.
  • Travelers offers discounts including multi-car, IntelliDrive, early quote, continuous insurance, and driver training.
  • Farm Bureau has savings for 55 and retired, multi-vehicle, multi-policy, safe driver, and renewal discount.
  • Liberty Mutual includes discounts for preferred payment discount, good student, teen driver discount, exclusive group savings, hybrid vehicle, and newly married.
  • American Family offers premium reductions for defensive driver, mySafetyValet, good student, bundled insurance, good driver, and air bags.
  • Progressive discounts include continuous coverage, good student, online signing, multi-policy, online quote discount, and homeowner.

When quoting, ask every insurance company which discounts you qualify for. All car insurance discounts may not apply to policyholders everywhere.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out whether you would benefit from an agent’s advice.

  • Am I insured when driving a different vehicle?
  • Is business equipment covered while in my vehicle?
  • When should I not file a claim?
  • Should I buy additional glass protection?
  • How much liability coverage do I need in my state?
  • What is the difference between comprehensive and collision coverage?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like nursing services, funeral costs, X-ray expenses and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, vandalism and fire damage. 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 consider dropping full coverage.

Liability insurance

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $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. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, pain and suffering, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Feed the piggy bank

We just showed you a lot of tips how to save on 1990 Audi V8 insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Affordable 1990 Audi V8 insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and many times these smaller providers only sell coverage through independent agents.

Additional detailed information can be read at these sites: