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 13, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Locating better insurance prices for an Audi A8 can normally be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to find insurance online so you’re going to learn the absolute fastest way to get price quotes for your Audi and get the best price possible.

It’s smart to take a look at other company’s rates at least once a year because rates are variable and change quite frequently. Just because you had the lowest rate for A8 coverage two years ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money.

Finding the best rates is not rocket science. If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers only need to know the most effective way to find the lowest price online.

The most recommended method to compare insurance rates from multiple companies is to know most larger insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is give them some information such as your general credit rating, if you lease or own, your job, and level of coverage desired. That rating information is then sent to multiple top-rated companies and they respond with quotes instantly.

To start a quote now, click here and enter your coverage details.

Lower rates by qualifying for these seven discounts

Some providers do not list the entire discount list in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous car insurance savings.

  • Multi-car Discount – Buying insurance for multiple cars on the same car insurance policy may reduce the rate for each vehicle.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Professional Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
  • Onboard Data Collection – People who choose to allow data collection to scrutinize where and when they drive by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Swiching Early – A few larger companies allow discounts for switching companies prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.

Keep in mind that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

Popular car insurance companies and their offered discounts are:

  • Progressive discounts include multi-policy, good student, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.
  • The Hartford offers premium reductions for vehicle fuel type, anti-theft, driver training, air bag, good student, and bundle.
  • Mercury Insurance may offer discounts for professional/association, type of vehicle, low natural disaster claims, anti-theft, age of vehicle, ease of repair, and multi-car.
  • GEICO has savings for membership and employees, multi-vehicle, emergency military deployment, daytime running lights, and air bags.
  • AAA offers discounts for AAA membership discount, multi-car, pay-in-full, anti-theft, and good student.
  • State Farm offers discounts including good driver, Drive Safe & Save, safe vehicle, multiple policy, passive restraint, driver’s education, and anti-theft.

If you want low cost insurance coverage quotes, ask every insurance company how many discounts you can get. Some credits might not be offered in your state. To choose insurance companies who offer free car insurance quotes, click this link.

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

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Insurance is unique, just like you

When choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Are my friends covered when driving my 1998 Audi A8?
  • When would I need rental car insurance?
  • Is a blown tire covered by insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • When should my teen driver be added to my policy?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Specific coverage details

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, EMT expenses, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, vandalism, damage from a tornado or hurricane, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they 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 many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.