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: Jul 23, 2018

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Searching for cheaper car insurance rates for your Audi A8? Locating cheaper insurance for a new or used Audi A8 can be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to quote coverages for your Audi and locate the lowest price.

It is always a good idea to compare prices every six months because prices are usually higher with each renewal. Even if you got the lowest rates for A8 insurance on your last policy the chances are good that you can find a lower rate quote today. There is a lot of wrong information about car insurance online, but I’m going to show you some good information on how to save money.

Finding affordable coverage is not that difficult. If you have insurance now or need new coverage, you can use this information to cut your premiums while maximizing coverage. Drivers just need to learn the tricks to shop for insurance coverage online.

The cheapest car insurance

Effectively comparing car insurance prices can be challenging if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

The majority of car insurance companies belong to a marketplace where prospective buyers submit one quote, and each participating company then returns a price quote for coverage. This saves time by eliminating quote forms for every car insurance company. To use this form to compare rates click here (opens in new window).

The one downside to using this type of system is you don’t know exactly which insurance companies to get quotes from. So if you prefer to choose specific providers to compare prices, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using identical coverage data for every company. If you are comparing different coverage information it will be next to impossible to make a fair comparison for your Audi A8.

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

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Are you earning every discount?

Some companies do not advertise the entire discount list very clearly, so here is a list a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

  • Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% for A8 insurance with some auto insurance companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off the PIP or medical payment premium.
  • Good Student Discount – Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Defensive Driving Course – Successfully completing a driver safety course may get you a small discount and easily pay for the cost of the class.
  • Air Bag Discount – Factory air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Anti-theft System – Vehicles that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance quote.
  • Multi-car Discount – Insuring all your vehicles on a single policy qualifies for this discount.

Don’t be shocked that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and a selection of discounts can be found below.

  • State Farm policyholders can earn discounts including safe vehicle, good driver, anti-theft, Drive Safe & Save, accident-free, passive restraint, and multiple policy.
  • Farmers Insurance has discounts for distant student, teen driver, multi-car, early shopping, bundle discounts, and alternative fuel.
  • GEICO may offer discounts for multi-policy, driver training, five-year accident-free, emergency military deployment, air bags, and military active duty.
  • American Family offers discounts for bundled insurance, multi-vehicle, Steer into Savings, early bird, and TimeAway discount.
  • Nationwide discounts include family plan, defensive driving, multi-policy, Farm Bureau membership, accident-free, and business or organization.
  • Progressive may have discounts that include homeowner, multi-vehicle, good student, continuous coverage, online quote discount, online signing, and multi-policy.

Check with each company or agent the best way to save money. Some discounts may not be available in your area. If you would like to choose from a list of auto insurance companies with the best auto insurance discounts, click this link.

When in doubt talk to an agent

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Is business property covered if stolen from my car?
  • What if I total my 1997 Audi A8 and owe more than it’s worth?
  • Are rental cars covered under my policy?
  • Do I need roadside assistance coverage?
  • Why do I only qualify for high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance prices are influenced by these factors

An important part of buying insurance is that you know some of the factors that aid in calculating the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.

The factors shown below are some of the things used by your company to calculate prices.

  • Save money with alarms and GPS tracking – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can thwart your vehicle from being stolen.
  • Big cities mean more claims – Having an address in small towns and rural areas is a good thing when trying to find low car insurance rates. Drivers in populated areas have congested traffic and more severe claims. Less people corresponds to lower accident rates in addition to fewer liability claims.
  • Single vs. married – Walking down the aisle can get you a discount on your policy. Having a significant other may mean you are less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Credit rating impacts premiums – Your credit rating factor in determining premium rates. Drivers with good credit tend to be more responsible than drivers who have poor credit scores. If your credit can be improved, you could be paying less to insure your 1997 Audi A8 by taking the time to improve your credit score.

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

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Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like funeral costs, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, vandalism, falling objects, rock chips in glass and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Best coverage at the best price

Drivers switch companies for a variety of reasons including unfair underwriting practices, poor customer service, an unsatisfactory settlement offer and questionable increases in premium. No matter why you want to switch, choosing a new insurance company is actually quite simple.

When getting insurance quotes online, do not reduce coverage to reduce premium. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. Your goal should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

Some insurance coverage companies do not offer price quotes online and most of the time these regional insurance providers only sell coverage through local independent agencies. Discount 1997 Audi A8 insurance is possible on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.

Much more information about insurance coverage can be read at the links below