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: Oct 5, 2015

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Want the cheapest insurance rates for your Audi A8? Finding more affordable premium rates on insurance could be hard for people not familiar with comparison shopping online. People have so many companies to choose from that it can be more work than you anticipated to find better prices.

Cheapest insurance coverage rate quotes

When shopping for low cost insurance quotes, there are a couple of ways to compare quotes from insurance coverage companies in your area. The simplest method to find cheaper Audi A8 rates is simply to get online rate quotes. It’s really quite simple and can be done in a couple of different ways.

  • If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quote forms for each company you want a rate for. One form submission will get you rate comparisons from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  • A different way to compare rate quotes requires you to visit the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want rates from USAA, 21st Century and American Family. In order to compare rates, you need to spend time going to each site individually and enter your information, which can get old fast. To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you are using the exact same coverage limits and deductibles on every quote you get. If you compare mixed coverages you will not be able to make an equal comparison. Even a minor difference in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps increase your odds of locating the best price. Some smaller insurers to not give prices over the internet, so it’s recommended that you also compare rates from them as well.

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

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Lower-cost auto insurance rates with discounts

Companies offering auto insurance don’t always publicize all disounts very clearly, so the following list contains some of the best known in addition to some of the lesser obvious auto insurance savings.

  • Military Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Organization Discounts – Having an affiliation with a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
  • Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance for A8 insurance depending on your auto insurance provider.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in school.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before your rates go up if your claims history is clear for a specific time period.
  • Cautious Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less for A8 insurance than drivers with accident claims.
  • Resident Student – Older children who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy a life insurance policy as well.

It’s important to note that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may have some of the discounts shown above are:

When comparing rates, check with all the companies which discounts you may be entitled to. Some discounts may not be available in your area.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Should I drop comprehensive coverage on older vehicles?
  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?
  • If my 1999 Audi A8 is totaled, can I afford another vehicle?
  • Why is insurance for a teen driver so high?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

The Audi A8 insurance price equation

Consumers need to have an understanding of the rating factors that aid in calculating your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that may result in lower rates.

The items below are some of the major factors utilized by car insurance companies to help set rates.

  • Premiums drop with age – Youthful drivers have a tendency to get distracted easily when behind the wheel therefore car insurance rates are much higher. Older people have been proven to be more responsible, tend to file fewer claims and are safer drivers.
  • Incidental coverages that aren’t used – There are a lot of additional extra coverages you can purchase on your A8 policy. Insurance for things like rental car reimbursement, towing coverage, and motor club memberships may be costing you every month. They may sound like good ideas initially, but your needs may have changed so think about removing them and cutting costs.
  • Do you work long hours in a stressful occupation? – Careers such as lawyers, business owners and emergency personnel are shown to have higher premium rates due to intense work-related stress and long work hours. Conversely, occupations like scientists, athletes and retirees pay lower than average rates for A8 insurance.
  • Lower rates for cars with good safety ratings – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Audi A8 scored better than four stars on it is probably cheaper to insure.

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

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Does car insurance advertising bend the truth?

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. They all make an identical promise that people will save just by switching your car insurance coverage to their company. How can each company say the same thing? You have to listen carefully.

Many companies offer their best rates for the type of driver that is profitable for them. One example of a desirable risk might have to be over age 30, has had continuous coverage, and drives less than 10,000 miles a year. Someone that fits those parameters will qualify for the lowest prices and will most likely save quite a bit of money when switching.

People who don’t meet this ideal profile must pay a higher rate with the end result being the customer not buying. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that kind of money. That’s why companies can truthfully lure you into getting a quote.

This really illustrates why you really need to compare quotes as often as possible. It’s impossible to know the company that will have the best premium rates at this point in time.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision protection

This coverage pays for damage to your A8 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, falling objects and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Audi A8.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, chiropractic care, pain medications and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damage that occurs to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Online plus local equals savings

Consumers leave their current company for a variety of reasons including high prices, being labeled a high risk driver, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason, choosing a new insurance company can be pretty painless.

We just showed you a lot of tips how to save on 1999 Audi A8 insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest premium rates are with the smaller companies.

Some companies may not have internet price quotes and most of the time these small insurance companies only sell coverage through independent agencies. Low-cost 1999 Audi A8 insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis.

Much more information about insurance coverage is available on the following sites: