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: Apr 13, 2018

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Looking for lower auto insurance rates for your Audi A8? Are you regretting buying high-priced auto insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive auto insurance. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best price available.

Consumers should take time to compare premium rates on a regular basis because rates are usually higher with each renewal. Even if you think you had the lowest rate on A8 insurance a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to quote online to find better coverage at a better price.

If you have a current car insurance policy or need new coverage, you can use these techniques to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of how to shop their coverage around over the internet.

How to get low cost auto insurance

Cutting your auto insurance rates is not a difficult process. You just need to spend a few minutes on the computer to get quotes provided by online insurance companies. It’s really simple and can be done in a couple of different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This quick form keeps you from doing boring form submissions to each individual auto insurance company. Completing one form will return quotes from several companies.
  • A less efficient way to compare prices requires you to visit each company’s website and complete a new quote form. For instance, let’s assume you want to compare prices for Nationwide, 21st Century and Farmers. In order to compare rates, you need to go to every website and repeatedly type in your coverage information, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming method to find cheaper rates is to drive around to each insurance agency near you. Comparing rates online has reduced the need for local agents unless you’re the type of person who wants the guidance that only an agent can give. If you prefer, some companies allow you to obtain prices from the web but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but double check that you are using nearly identical quote information for every quote you compare. If each company quotes different data it’s impossible to make an equal comparison.

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

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Use discounts on insurance coverage

Some providers do not advertise the complete list of policy discounts very well, so we researched some of the best known and the more hidden savings tricks you should be using when you buy insurance online.

  • Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their insurance quote on A8 insurance than drivers with accident claims.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Early Signing – Some companies reward drivers for signing up prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • More Vehicles More Savings – Buying coverage for multiple vehicles on a single policy can get a discount on all vehicles.
  • Military Discounts – Being on active deployment in the military could qualify you for better insurance coverage rates.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will allow you to have one accident without getting socked with a rate hike if you have no claims for a certain period of time.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

A list of insurance coverage companies and their possible discounts can be read below.

  • State Farm has discounts for good driver, Drive Safe & Save, good student, defensive driving training, and passive restraint.
  • GEICO policyholders can earn discounts including defensive driver, federal employee, driver training, five-year accident-free, multi-policy, and multi-vehicle.
  • SAFECO may have discounts that include homeowner, teen safety rewards, anti-theft, accident prevention training, teen safe driver, anti-lock brakes, and drive less.
  • Farmers Insurance offers premium reductions for teen driver, distant student, mature driver, pay in full, and switch companies.
  • AAA offers discounts for education and occupation, multi-policy, AAA membership discount, multi-car, and anti-theft.
  • USAA may include discounts for safe driver, defensive driver, vehicle storage, family discount, military installation, and good student.

When getting a coverage quote, ask each company which discounts you qualify for. Some of the discounts discussed earlier may not apply in every state. If you would like to choose from a list of insurance coverage companies that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine if you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • How do I file an SR-22 for a DUI in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • What are the financial responsibility laws in my state?
  • Does my 2001 Audi A8 qualify for pleasure use?
  • Do I have coverage if my license is suspended?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills for ambulance fees, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Audi A8.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability coverages – This protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, legal defense fees, funeral expenses, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hitting a bird, falling objects, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.